Many people will buy a car, which will bring a lot of convenience to life, but there will be corresponding problems after buying a car. For example, do you know what parking space is?

What kind of business is parking space staging?

In fact, when buying a car, when not driving, the car will stop at one location, so you need to buy a parking space in the community. However, the cost of buying a parking space is relatively high, so many people will choose to go to the bank for loans when buying a parking space. This loan is called parking installment, because you repay it in installments. The installment interest rate of parking lots in each bank is different. You can compare the interest rates of various banks, and then choose which bank to handle the parking lot installment business. Bian Xiao also thinks it is necessary to buy a parking space, because cars must be parked in one place. If you park your car in someone else's parking space, someone else will move your car.

How to handle parking space installment business?

Having said that, I believe many people know what parking space staging is, so how to run this business? After all, it costs a lot of money to buy a parking space, which ordinary families can't afford at once. By this time, major banks have cooperated with various communities. You can get a loan from the bank and then buy a parking space in the community. Parking spaces can be purchased by stages, which reduces the burden on car owners, reduces the probability that the property can't sell parking spaces, and is also beneficial to banks. Therefore, more and more people have handled this business in recent years. If you want to handle the parking lot installment business, you can go to the bank to consult the staff, and the staff will tell you where to handle the business, which is also very convenient.

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So now everything you buy can be paid in installments, which is also very convenient, which can reduce the financial burden of your family and allow you to buy your favorite products. This can not only promote the social and economic cycle, but also improve the quality of life.

Is it cost-effective to pay by installment for the credit card parking space of Guangfa Bank?

If it's cost-effective, it's definitely more cost-effective, but when you can't bear the cost at one time, it's more cost-effective to pay by installment. Take Guangfa Bank as an example. The credit card of Guangfa Bank has the business of buying cars by stages, and it is still very cost-effective to buy cars and parking spaces at merchants designated by Guangfa Bank.

Is there a contract for buying a parking space with a credit card loan?

There is a contract.

In Zhengzhou, the number of private cars is increasing, and parking is becoming more and more difficult. Parking spaces in first-tier cities such as Hong Kong and Shanghai have become new favorites for investment. If you want to buy a parking space, you may not have enough money. What should I do? In fact, parking spaces can also be purchased by credit cards in installments, just like buying home appliances in installments.

Like a cell phone. At present, Bank of East Asia has taken the lead in opening credit card parking space installment business in Zhengzhou, quietly promoting some properties of well-known local developers, and CCB and other banks have also launched similar businesses.

Staging of parking spaces in Zheshang Bank

There are seven.

1 id card 2 income certificate issued by the unit 3 purchase contract 4 parking space down payment invoice or receipt 5 purchase invoice or receipt 6 parking space subscription agreement 7 screenshot of bank card flow or provident fund deposit in the past year.

There are 12, 24 and 36 installment repayment methods for credit card parking spaces in Hangzhou Bank. After the borrower successfully applies for parking space installment, the installment principal will be shared equally on schedule and repaid monthly. The 3rd of each month is the bookkeeping date, and the 28th of each month is the repayment date. The maximum amount of a single transaction is not more than 300,000 yuan, which is determined according to the parking space value. The value of the parking space will generally be determined according to the market transaction price, allowing early repayment, but not refunding the handling fee.

How many years can I borrow a parking space loan?

Apply for parking space loan, and the longest loan period shall not exceed 10 year. For the information such as the execution interest rate, amount, loan term and repayment method of the loan you specifically apply for, the handling bank needs to specifically review your comprehensive information after you apply for the loan, and the loan can only be determined after it is approved.

However, some banks will have a longer service life, and some banks will have a shorter service life, mainly because of bank regulations.

Parking loan also stops car loan, which is a loan product specially launched by banks for car owners.

Many banks, such as China Construction Bank, Industrial and Commercial Bank of China, Minsheng Bank, Bank of China, Foshan Rural Commercial Bank, etc., have launched parking space loans to help car owners "grab parking spaces". Although many banks have launched parking loans and other products, friends who intend to apply should not be too happy.

Because parking spaces are part of real estate, parking space loans and real estate loans must be applied by the same bank. This is also the fundamental reason why some friends who apply for parking loans can't apply for down payment.

Let's take a look at the down payment and interest rate of CCB parking space loans. If you are interested in applying for CCB parking space loan and meet the requirements, don't miss it.

Down payment for parking space loan of CCB:

The parking loan provided by China Construction Bank (Asia) can reach 70% of the purchase price or valuation of parking spaces. In other words, borrowers who apply for parking loans only need to pay more than 30% down payment to apply.

Another major feature of China Construction Bank (Asia) is that the borrower does not have to be a building mortgage loan customer of China Construction Bank. Moreover, the application procedure is simple, and the borrower can call (852)27795533 or apply in person at each branch of the bank.

CCB parking space loan interest rate:

In addition, China Construction Bank (Asia) can enjoy lower interest rates and charges than other banks or lending institutions when applying for parking loans.

At present, the interest rate standard of parking space loan of CCB is as follows: if it is a building mortgage loan customer of CCB, the interest rate of parking space loan is implemented according to the individual housing loan interest rate, the annual interest rate of loans with a loan term of ≤5 years is 4.77%, and the annual interest rate of loans with a loan term of more than 5 years is 5.04%; If you apply for a parking loan separately, the interest rate will increase. Loan term ≤ 1 year, loan annual interest rate 5.3 1%, loan annual interest rate 5.49% for 2 to 3 years (including 3 years), loan annual interest rate 5.58% for 3 to 5 years (including), and loan term 5 to 10 years (including).

In addition, the borrower can also apply for the installment service of parking space credit card launched by CCB, which is more convenient, but the term is relatively short, and there are 12, 24 and 36 installments to choose from.

The down payment and loan interest rate of CCB parking space loans are roughly the same as above. Please consult CCB for details.

Can I mortgage or pay in installments for the parking space?

There are more and more private cars now, but it is easy to buy a car, but I don't know where to put it. Parking spaces need to be bought, and the price is not low. So can I mortgage or buy a parking space by installments?

I learned in several communities in Xi 'an that there used to be 60,000 to 70,000 parking spaces, but now there are basically 6,543,800 parking spaces, ranging from 6,543,800 to 200,000, and even more than 200,000. Most parking spaces in residential areas are only sold to owners, which are divided into property rights, non-property rights but use rights and mechanical parking spaces. Parking spaces with property rights are generally more expensive than those without property rights.

Parking spaces can be paid in installments.

Is there anything else to buy a parking space besides paying in one lump sum? In Xi 'an, some banks use credit cards to buy parking spaces in installments, and only some banks have the business of parking space mortgage.

According to the staff of the personal loan center of Agricultural Bank of China, the bank has parking space installment business, with a down payment of 30%, low down payment, no mortgage and zero interest. , but it is required to be repaid within three years and pay the handling fee 10%. However, in this business, individual citizens cannot apply to the bank. If developers don't agree to sell parking spaces in this way, citizens can't buy parking spaces by stages. CCB also said that parking spaces can be purchased by credit cards in installments, and the down payment is not less than 20%, provided that the real estate of the purchased parking space has a cooperative relationship with it.

As for the parking space mortgage loan, according to the staff of the personal loan center of Bank of Communications and China Merchants Bank, the premise of the parking space mortgage loan is that the purchased parking space must have a property certificate. Property ownership certificate, collateral, cooperative developer, borrower's income level, repayment willingness and personal reputation are the focus of its investigation and review. Few banks are willing to mortgage independent parking spaces. First, the loan amount of parking spaces is low. Second, the number of parking spaces buyers is relatively limited, which is not easy to realize, and banks are at great risk.

Parking installment is good, but considering the cost, property rights and other factors, the cost of buying a parking space is much higher than the cost of renting a parking space, so the parking installment business is not attractive.

This is the end point of installment payment of parking credit card and the introduction of parking loan credit card. I wonder if you found the information you need from it?