First of all, answer directly.
To calculate the loan interest of CCB, we need to know the loan amount, loan interest rate and loan method.
Second, the specific analysis
1, loan amount: This depends on the vehicle price and the down payment ratio.
The minimum down payment ratio of CCB's personal car loan is 20%, and the remaining 80% of the car price can be loaned; For commercial vehicle loans of CCB, the minimum down payment ratio for general commercial vehicles is 30%, and the minimum down payment ratio for commercial vehicle loans is 60%.
2. Loan term: The loan term of CCB's self-use cars is different from that of commercial vehicles, in which the longest loan term for self-use cars is 5 years and that for commercial vehicles is only 5 years.
3. Loan interest rate: 4.35% for different loans, 4.75% for 15 years and 4.9% for more than 5 years.
4. Pay back the Party's money or average capital.
You can make a quick inquiry in Beijian, get a large overdue record, and put on your own online loan, credit investigation and credit investigation. If you want to pay back the money but don't have enough funds, then follow the online lending platform to minimize the impact on yourself.
3. What is the 3-year interest on general car loans?
Car loan is actually that the borrower provides the bank with information such as bank flow and personal collection, and then applies for a loan.
Each borrower's personal comprehensive qualifications are different. If they can apply for the same, the interest they need to pay each month is naturally different.
Of course, each bank's loan policy will be different. Take CCB's car loan as an example. Let's calculate together and apply for 3 interest.
According to the data of CCB official website, if you apply for a short-term loan in CCB, that is, within one year (including one year), the loan interest rate is 4.35%.
Apply for medium and long-term loans in CCB, and the loan interest rate is 4.75% for 3 to 5 years (including 5 years).
Most people go to CCB to apply for a car loan, and they can only apply for a repayment period of three years at the longest.
In other words, if users go to CCB to apply for a car loan, the loan interest rate is about 4.35%-4.75%.
Assuming that the amount of car loan applied by the borrower is 200,000 yuan, according to the loan interest rate, the interest that the borrower needs to repay every year is between 8,700 and 9,500 yuan.
The total interest to be paid in three years is between 26100-28,500 yuan.
Of course, the above is only calculated according to the minimum loan interest rate of CCB.
In fact, not many users can apply for the lowest loan interest rate, and borrowers still need to calculate interest according to the actual loan interest rate.
2. What is the interest rate of China Construction Bank's credit card car loan?
Hello, CCB's car loans are mostly 4% for one year, 8% for two years and 3 years 12%.
But this is not absolute. Some car dealers engage in activities for specific models, and the car dealers will help customers bear part of the handling fee, and the handling fee will not be given to the car dealers.
The so-called 3% car dealer handling fee is also called (management fee) in some places ... This is the overlord treaty, and the fees are completely different from place to place. This matter is negotiable.
3. What is the car loan interest rate of CCB?
1. The auto loan interest rate of China Construction Bank is adjusted according to the benchmark interest rate issued by the central bank. The specific car loan interest rate may vary from CCB outlets, subject to the provisions of local CCB outlets.
2. In addition, you can refer to the general loan interest rate of China Construction Bank:
3. The loan interest rate for loans with a term of more than one year (inclusive) is 4.35%;
4. The loan interest rate with a loan term of one to five years (inclusive) is 4.75%;
5. For loans with a loan term of more than five years, the loan interest rate is 4.90%.