Let's summarize the latest car loan portal, Fengtian New Camry! ! On the occasion of the third anniversary of Camry's appreciation, the activity of buying cars with zero interest loans is widely circulated. The banks of China Merchants Bank and Toyota Motor Finance (China) Co., Ltd. provide customers with zero interest concessions on auto loans. As long as it applies to China Bank and China Merchants Bank.
Indeed, the advantage of auto financing companies is that they are not influenced by banks and lend faster. The disadvantage is that the interest rate is relatively high, so it must be 0 interest rate, but the requirements are relatively high.
Handling fee: 1. If Toyota's RAV4 manufacturers have preferential policies, there is no handling fee. Generally, you only need to pay the loan deposit and mortgage fee. In some places, it needs to pay loan management fees. If there are discounts, there will be full discounts and partial discounts. It depends on the policy of the manufacturer at that time. 2. If you get a financial loan without discount from Toyota, you will.
I am a salesman in Toyota 4S shop, which is similar to the items and procedures of general bank car loan. The main reason is that the procedures should be confirmed two or three times and submitted to the regional headquarters for re-examination before lending. You don't have to bother to have a salesman to help you, but you should be prepared first, and don't think the loan procedure is complicated (it is not easy to get a loan now).
ICBC credit card lends money on the same day, but it needs real estate license. All credit card car loans are basically the same fee, neither low nor high, either high interest, high installment fee or both, but it is the same to charge you three or two thousand yuan for agency procedures. If you want to mortgage, you'd better find a civil servant's ID card.