There are three ways to buy a car by mortgage.
At present, the mortgage methods provided in the market include entrusted company, intermediary guarantee and bank loan, and consumers can choose according to their own needs.
Generally speaking, the car is relatively simple, and the bank's interest rate is relatively low, but the procedures are relatively cumbersome, and the car buying business guaranteed by real estate agents has just begun.
Auto financing companies provide mortgage loans.
Car is a gold organization that provides gold for car buyers. In China, the approval of CBRC and the content and scope of its services should also be supervised by CBRC.
The most important functions of auto financing companies are to provide loans for consumers to purchase vehicles and operating equipment, provide guarantees for loans to purchase automobiles, and other credit businesses approved by China Banking Regulatory Commission.
The loan term of an auto financing company is generally 12-60 months, and the down payment is not less than 20% of the sales price of the vehicle, so there is no guarantee, household registration restriction and real estate mortgage, and the interest is the only one.
Among them, the public financing interest rate is 365,438+00 for ten thousand yuan, and the five-year interest rate is 6.99% (200 for ten thousand yuan). The GMAC interest rate is: 3-year monthly payment of 309) and 5-year annual interest rate of 7.33% (1 10,000 yuan monthly payment of 200).
Intermediary guarantee bank mortgage loan
At present, the loan from the guarantee company can greatly shorten the audit time, as long as 1 day at the earliest, and only if it is slow.
Dealers can assume the role of guarantee companies, which can only be done through car dealers, who directly handle loans and insurance for customers.
It is reported that the biggest problem for car dealers to handle this business before was the lack of personal credit information system. Things are different now. At present, the city's personal credit information system has been established and started to operate, which can quickly review personal repayment ability and credit status.
The banking system provides mortgage loans.
At present, directly from the moment, for example, lenders must be employees, doctors, teachers, lawyers and other occupations with stable income; Cheng; Implement a floating interest rate of 10%.
Recently, the central bank raised loan prime rate by 0.27 percentage points, from 58% to 5.85%, from 5.76% to 6.03% for one to three years, and from 5.85% to 6 for five-year loans.
2. What are the requirements for Guangzhou Automobile Chuanqi gs8 loan to buy a car?
Generally speaking, Guangzhou Automobile Chuanqi gs8 loan needs personal income certificate and payroll, and personal credit record should not be too bad.
3. What are the requirements for Guangzhou Automobile Chuanqi gs8 loan to buy a car?
Id card, driver's license, bank account
4. What is the monthly down payment of 6,543,800 yuan for 4.gs8?
Around 3200.
Chuanqi GS8 Deluxe Zhilian Edition has a down payment of 654.38+ 10,000 yuan and a monthly payment of about 3,200 yuan. 3. The price of this configuration is about 6.5438+0.8 million yuan after the discount of bare car. If the down payment is 6,543.8+0,000 yuan and the loan is 80,000 yuan, the monthly payment for the third phase is about 2,300 yuan.