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SAIC-GM Finance Co., Ltd. was established in August 2004 and is headquartered in Shanghai, China. It is the first auto finance company in the country approved by the China Banking Regulatory Commission. The company's registered capital is RMB 1.5 billion, funded by SAIC Finance Co., Ltd., GMAC UK PLC (a wholly-owned subsidiary of General Motors) and Shanghai General Motors Co., Ltd. After ten years of development, the company's assets have reached 58 billion yuan.

Loan products:

1. Worry-free smart loan:

Commonly known as "loan half, pay half"; 50% repayment at the end of the loan period, during the loan period There are three options at the end: pay the balance in full; apply for a 12-month extension; or exchange a used car.

2. Smart loan:

Divide the loan into two parts and repay them respectively in the first period and the last period. There are three options at the end of the loan period: pay the smart balance in full; apply for a 12-month extension; and exchange used cars.

3. Repayment in equal installments:

During the loan period, the repayment amount in each period is the same. The loan term is 13-60 months, and the down payment is as low as 20%. Based on the customer's personal qualifications and the car they purchase, we will provide a loan plan specially designed for them

4. Staged repayment :

Divide the loan into several segments, each segment contains several repayments; in each single segment, the total amount of each repayment is different; there are three options at the end of the loan period: pay the balance in full ; Apply for a 12-month extension; Used car replacement.

Based on different repayment methods, SAIC-GM Finance provides a variety of loan packages to choose from: Worry-free Smart Package, Smart Smart Package A, Smart Smart Package B, Easy-to-Enjoy Stable Package A, Easy-to-Enjoy Stable Package B, and Easy-to-Go Package. At the same time, personalized loan products can be customized according to the needs of car buyers.