Question 1: What is the direct customer model? The indirect customer model. The "direct customer model" means that car buyers first go to the car loan consumption agency established by the bank to obtain a car loan limit, and then use this limit to the car. Choose a car that satisfies you in the market. After selecting a car model, go to the bank to pay the down payment and sign the relevant loan contract, and then you can drive the car home. That is to say, you first get a loan and then buy the car. However, the car buyer directly applies for a car loan from the bank. Direct car loan process The customer consults the bank ↓ If there is an intention to purchase a car with a loan, submit relevant materials ↓ The bank issues a "Loan Approval Notice" ↓ The customer goes to the dealer to purchase a car ↓ Pay the down payment and related fees ↓ Sign the car purchase contract ↓　The bank acts as an agent for notarization and insurance matters↓　Customers pick up the car (the bank takes care of the license plate on their behalf). The "intermittent customer model" refers to the car buyer buying the car first and then getting a loan. The car dealer provides a full guarantee to the car buyer and is responsible for the purchase of the car. Conduct credit investigations on people, help them apply for loans from banks, and collect the principal and interest of car payments on behalf of the bank. Car buyers do not need to contact the bank, but the dealer acts as an intermediary to handle various matters, and has an indirect lending relationship with the bank, so it is called the intermediary style. Intermittent car loan process The customer consults the dealer ↓ The customer decides to purchase ↓ Preliminary review ↓ Exchanges opinions with the bank, and the bank approves the loan ↓ Pay the down payment and related fees ↓ Sign the car purchase contract ↓ The dealer notarizes and insures on behalf of the customer ↓ The customer picks up the car ( The dealer takes the auction on his behalf)

Question 2: What are "direct customer style" and "indirect customer style"? They mainly include the following points:

1. Different loan channels. The direct customer type means that the borrower directly submits the relevant car loan application materials to the bank and makes an application, while the indirect customer type means that the borrower goes to the bank's authorized car dealer to purchase a car, submits the relevant loan application materials and makes an application.

2. Loan fees are different. Direct applications often only incur interest fees. The intermittent service generally incurs more handling fees and other expenses.

3. The processing time is different. Direct customer service is generally more complex, requires numerous procedures, and takes a long time to process. The intermittent service is generally handled by the staff of the car dealer, which will relatively shorten the processing time.

Question 3: What is the difference between "direct customer" and "indirect customer" car loans? Bank credit card application requires certain conditions: in most cases, one must have full capacity for civil conduct (in mainland China, the minimum requirement is 10 years and above) Citizens who are 18 years old) and have certain direct financial resources can apply for a credit card from the card issuing bank; to apply for a credit card, a person must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantees include personal guarantees, unit guarantees and personal fund guarantees

Question 4: Between the CCB Long Card credit card, which one is suitable for car purchase installments or direct installments depends on whether you have enough money on hand. You can pay for the car and then make installments, or you can pay 40% directly and then make installments.

Question 5: Which ICBC credit card can apply for car mortgages? Now, ICBC handles car mortgages in the form of credit cards. Now, you don’t need to apply for a credit card first!

Question 6: Several ways to pay off a car loan. Be careful to pay penalty for early repayment. 1. Bank loan to buy a car. In the past, commercial banks were the main force in the car loan market. However, due to bad debts, loan fraud and other phenomena, It happens so frequently that, except for a very few banks, many commercial banks have chosen to withdraw from the field of auto loans. Nowadays, with the gradual maturity of the auto loan market, the gradual improvement of the personal credit system, and the enhanced controllability of bank risks, many commercial banks have begun to increase their efforts to promote the auto loan business. Bank loans for car purchases can be divided into two types: direct loans and indirect loans. Direct customer service means that car buyers go directly to the bank to apply for a loan, and then go to the dealer to purchase the car after the bank approves.

The inter-client type means that the borrower can first go to the bank's authorized car dealer to purchase a car and submit relevant loan application materials. The car dealer will submit the loan application to the bank on his behalf. After the bank's approval, the loan contract and guarantee contract will be signed. , go through notarization and insurance procedures. The main advantage of bank loans to buy a car is that the interest rate is relatively low, floating slightly based on the central bank's benchmark interest rate. Some banks also take preferential measures such as lowering the down payment ratio, extending the loan period, and lowering the loan interest rate based on the customer's integrity. The disadvantage is that the application procedures are complicated, requiring car loan buyers to provide a series of supporting documents as well as valid rights pledges recognized by the bank or third-party guarantees with repayment capabilities. 2. Financial leasing companies As the car loan market becomes increasingly promising, financial leasing companies have also joined in, providing a way to buy a car by renting before buying or renting and buying at the same time. Currently, there are some specialized leasing companies that join forces with dealers and banks to sell cars through financial leasing. That is, the bank issues a loan and the individual uses it as a lessor. After the loan is paid off, the property rights belong to the individual. Currently, guarantee methods for rent-to-buy consumption include deposit guarantees, credit ratings, property guarantees, mutual guarantees, etc. The installment payment period can be as long as 10 years, and the monthly loan repayment pressure on car buyers is very light. The down payment is very low, and some financial leasing companies even offer zero down payment. At the same time, other car purchase expenses such as license plates, insurance, purchase tax, car decoration, etc. can also be paid in installments. Advantages: 1. Low down payment and low monthly payment. For lease-purchase purchases, you can choose zero down payment, and other car purchase expenses such as license plate, insurance, purchase tax, car decoration, etc. can also be paid in installments, which significantly reduces the pressure for car buyers with high monthly income. 2. Once the rental payment is not paid on time, advance payment can be negotiated, and the car buyer will not face the risk of the vehicle being repossessed and disposed of. 3. The interest rate is low. The interest rate of financial leasing is based on the bank, which is generally the loan interest rate announced by the People's Bank of China. Disadvantages: The total expenditure is high. Since there is no 10% reduction in interest rates, the total cost of financial leasing may be higher than the new car loan products launched by banks. 3. Auto Finance Company In 2004, auto finance companies had the right to carry out auto finance business. Subsequently, many foreign auto giants such as General Motors, Ford, and Volkswagen successively opened auto finance companies in China. The banking industry sadly withdrew from the auto loan field a few years ago, giving auto finance companies a vast space for development. It is understood that the down payment of auto finance companies is generally 20 to 30 yuan, and the loan period does not exceed 5 years. Car buyers select the car model they intend to buy and then go to the dealer of the car company they belong to to purchase it. Advantages: 1. Flexible repayment. Auto finance companies generally offer two types of loans, standard credit and flexible credit, suitable for different consumer groups. 2. The procedure is simple. In terms of loan conditions, auto finance company loans pay more attention to the personal credit of the car buyer. Education, income, employment, etc. are all reference standards. They do not need to be pledged like banks, and overseas residence will not be an obstacle to obtaining a loan. Generally speaking, the materials that borrowers need to provide are: personal household registration book, ID card, copy of house book, and original proof of residence and income certificate. 3. Loans are granted quickly and can usually be processed within a few hours to a few days. Disadvantages: 1. The loan interest rate is high. 2. If the consumer repays the loan early, he will have to pay liquidated damages.

Question 7: Advantages and Disadvantages of Car Color I won’t talk about which group of people the color is more suitable for. As far as car owners are concerned, these models are all metallic paints with relatively hard paint surfaces. Nowadays, some car models are painted in yellow, red, and some are ordinary paint, and some are white. No matter what car model, white must be ordinary paint, because the car paint does not contain metal particles, so the paint surface is relatively soft!

Each of these colors has advantages and disadvantages. Black is most afraid of dust and soil, which is very obvious when it falls on the paint surface.

Gray and silver have little impact on the visual effect of dust, but this The two colors are more obvious on the car paint on muddy roads in rainy days!

Also, the key depends on what model you choose. If it is a compact car, it is recommended not to choose black, because black will make the car appear smaller!

Question 8: What are the procedures for buying a car loan? 20 points Different forms of loans may provide different procedures.

Generally speaking, there are direct bank loans, which are handled by yourself, which are more stringent and require real estate, etc.;

There are also manufacturers and banks who join forces, which is generally easier to handle. In addition to real estate, you can also get credit for various aspects such as salary income;

Then there are the manufacturers’ own fund loans, such as General Motors, which provide more relaxed conditions. In addition to the above conditions, you can also use your own credit card Loans made with repayment records.

In fact, the conditions are similar, but it is easier for manufacturers or joint ventures to pass, and it is quite difficult to apply for it on your own.

Question 9: Is it appropriate to buy a car with a loan? Hello, if you want to apply for a car loan at China Merchants Bank, the following information is for your reference:

Credit card car loan: Our bank's credit card center has launched an easy car purchase activity for some models, and you can pay in installments with a credit card. If you have a China Merchants Bank credit card, you can call 4008855855 for detailed information or open the webpage ccclub.cmbchina/...t.aspx to view it.

All-in-one car loan: Our bank has launched a personal car loan business in some cities, which is issued to customers who purchase new non-commercial cars under their own names. The loan is used to pay for the vehicle purchase (currently does not support second-hand car loan). Generally, the minimum loan amount is 50,000 yuan, and the maximum loan amount does not exceed 2 million yuan, and the maximum loan amount does not exceed 70% of the purchased vehicle price (excluding various additional taxes and premiums) (some branches have special regulations); the loan period is generally not More than 3 years, no longer than 5 years. If you have already chosen the car model you want to buy through a car dealer, you can check with the car dealer whether it has cooperation with China Merchants Bank. If not, you can try to directly contact the local personal loan department at the counter of China Merchants Bank to handle your application. For loan applications, the handling bank needs to specifically review your situation to determine whether it can be processed.

If you have other questions, it is recommended that you consult "Customer Service Online" forum.cmbchina/...ncmu=0. Thank you for your attention and support!

Question 10: What are the specific requirements for applying for a car loan? This is China Construction Bank’s car loan, you can refer to it~~

Basic regulations

1. Loan objects: A natural person who is between the ages of 18 (inclusive) and 60 (inclusive) and has full capacity for civil conduct.

2. Loan amount: If the vehicle purchased is for personal use, the loan amount shall not exceed 80% of the purchased car price; if the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the purchased car price. Among them, the loan amount for commercial trucks shall not exceed 60% of the purchase price of the car; if the purchased vehicle is a second-hand car, the loan amount shall not exceed 50% of the borrower's purchase price of the car, and the loan amount shall not exceed 200,000 yuan;

3. Loan period: If the vehicle purchased is a self-use vehicle, the loan period shall not exceed 5 years; if the vehicle purchased is a commercial vehicle or a second-hand car, the loan period shall not exceed 3 years;

4. Loan interest rate: in accordance with the loan interest rate regulations of China Construction Bank;

5. Guarantee method: When applying for a personal car loan, the borrower must provide certain guarantee measures, including pledge, using the vehicle purchased with the loan as collateral, real estate Mortgage, third-party guarantee, etc. You can also purchase personal auto loan performance bond insurance.

6. Required application materials:

(1) "Personal Loan Application";

(2) Valid personal identity document. Including resident identity cards, household registration books, military officer ID cards, passports, travel passes for compatriots from Hong Kong, Macao and Taiwan, etc.

If the borrower is married, the spouse’s identity certificate must be provided;

(3) Household registration certificate or long-term residence certificate;

(4) Personal income certificate, if necessary, family income or Proof of property;

(5) Proof of intention to purchase a car issued by the car dealer;

(6) Proof of down payment for car purchase;

(7) With If the purchased vehicle is guaranteed by means other than mortgage, the relevant materials for the guarantee include the pledged rights certificate, the mortgaged real estate ownership certificate and evaluation certificate, a letter of intent for third-party guarantee, etc.;

(8) If If the vehicle purchased with a loan is a commercial vehicle, proof that the purchased vehicle can be legally used for operation must also be provided, such as an affiliation agreement with a transportation fleet, a lease agreement, etc.;

(9) The vehicle purchased with a loan is For second-hand cars, you also need to provide proof of intention to purchase the car, a vehicle evaluation report issued by an evaluation agency recognized by China Construction Bank; the vehicle seller's vehicle ownership certificate, the "Motor Vehicle Registration Certificate" of the vehicle being traded, the vehicle annual inspection certificate, etc.

Handling channels and procedures

1. Handling channels: Handle personal car loan business through branches of China Construction Bank that offer personal car loan business. In some large and medium-sized cities, China Construction Bank has established The Auto Finance Service Center specializes in personal auto loan business, and the Personal Loan Center is also a professional acceptance agency for auto loans.

2. Processing process:

① The borrower submits application materials;

② The handling bank conducts a preliminary review of the application materials submitted by the borrower, and Conduct credit investigation and customer evaluation;

③ Approval of loan applications that pass the preliminary review and credit investigation and meet the loan conditions;

④ If approved, notify the borrower to sign the contract, Relevant procedures such as lending, mortgage or pledge; if it fails to pass the examination and approval, an explanation must be provided to the borrower;

⑤After the loan contract takes effect, the handling bank will issue the loan. A special lending method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the account of the dealer where the borrower purchases the car.