Bank of Communications credit card loan to buy a car conditions:

1, ID card, household registration book;

2. Personal tolerance certificate;

3. Have any bad records;

4. Bank running bills for the first three months;

5. Proof of real estate (if there is no real estate, you can find a local real estate license as a guarantee, and the guarantor can apply for a loan if he meets the loan conditions).

When the car loan is paid off, you need to go through the mortgage cancellation procedures and get back the car property certificate, so that the car really belongs to you. , when handling the mortgage cancellation registration procedures, you must prepare the following information:

1. Valid identification documents of the borrower, the applicant and the vehicle owner;

2. The loan contract signed with the bank;

3. Loan repayment card;

4. Original motor vehicle registration certificate.

Can I buy a car with Bank of Communications credit card?

Yes, Bank of Communications credit card loan to buy a car refers to the installment payment that the cardholder applies to the bank when he agrees to pay the down payment. There are three stages: 12 months, 24 months and 36 months. After approval, you can go to the 4S store that cooperates with Bank of Communications to buy the model you like.

To apply for a car loan from Bank of Communications, you need to meet the following conditions:

1. A natural person with full capacity for civil conduct (including Hong Kong, Macao and Taiwan and overseas people) has a fixed residence in the local area.

2. Age plus loan period shall not exceed 60 years old.

3 in good condition, and have a legitimate occupation and a stable source of income.

In order to meet the market demand, Bank of Communications launched the credit card installment car purchase business-e-car loan. In the car purchase business of Bank of Communications, its guarantee can be in four ways: mortgage, pledge, guarantee and credit, or combined guarantee.

Among them, the collateral is mainly housing, commercial housing, commercial and residential housing. If the house is used as collateral, the maximum credit line shall not exceed 70% of the value of the collateral, and if the commercial house or commercial and residential dual-use house is used as collateral, the maximum credit line shall not exceed 50% of the value of the collateral.

Pledges include certificates of deposit, voucher-type government bonds, savings bonds, etc. For high-quality customers with stable income and good credit record, they can also apply for credit e-car loan, which is the first choice for middle-and high-income people.

What's the interest rate for Bank of Communications to buy a car with a credit card loan? The conditions and procedures for Bank of Communications to borrow money to buy a car are all here.

Bank of Communications credit card loan to buy a car means that credit card holders of Bank of Communications can apply for loans through credit cards, thus achieving the goal of buying a car by stages. In essence, it belongs to a loan business of Bank of Communications, which requires the borrower to prepare a certain down payment. What's the interest rate for Bank of Communications to buy a car with a credit card loan? The conditions and procedures for Bank of Communications to borrow money to buy a car are all here!

What's the interest rate for Bank of Communications to buy a car with a credit card loan?

The loan interest rate of bank of communications credit card car loan has nothing to do with the credit card installment interest rate, but is mainly linked to the benchmark interest rate of bank of communications. Generally, it will fluctuate 10% on the basis of LPR interest rate, and then it will fluctuate according to the borrower's comprehensive personal qualifications. For example, if the LPR interest rate is one year, the borrower's loan interest rate will be higher than 6%.

If you want to apply for a credit card car loan from Bank of Communications, the borrower must first hold a gold card from Bank of Communications. Ordinary cards have a low quota, and the amount of loans that can be applied for is limited.

In addition, the cardholder must be over 18 years old, not a college student, with spotless credit and monthly income more than twice the monthly payment. It is also necessary to provide at least three months of bank bills, loan contracts signed with car dealers, etc.

After meeting the basic conditions of the loan, the borrower needs to bring his identity certificate, marriage certificate, car purchase contract, down payment certificate, income certificate, payroll, tax bill and other materials to the Bank of Communications to fill out the loan application form.

The Bank of Communications will examine and approve the results within 7 working days, and then notify the borrower. If the loan is approved, the borrower needs to go to Bank of Communications to sign a loan contract and go through the formalities. After that, Bank of Communications will issue loans, and the borrower can pick up the car directly at the dealer with a credit card.

The above is the related content sharing of "What is the interest rate of Bank of Communications credit card loan to buy a car?" I hope it will help everyone!

Bank of communications credit card e car loan bank of communications credit card installment loan to buy a car

Buying a car by credit card is a very common way to buy a car by loan at present, and many banks have withdrawn from this service. In response to citizens' demand for car purchase, Bank of Communications has launched the "e-car loan" service, which can be handled by anyone with valid identification, a fixed residence in the local area, a fixed occupation and a stable income.

Brief introduction of bank of communications credit card e car loan

"e-car loan" products are optimized for the needs of car buyers. Car buyers can apply for a loan line from the bank in advance when choosing the target model, and the bank will give the car buyers a credit line available within a certain period of time after approval. After signing the car purchase contract, the car buyer can provide loans in real time and pick up the car at the 4S shop designated by the Bank of Communications. The car purchase procedure is exactly the same as the full payment, so there is no need to wait.

Bank of Communications E Car Loan Application Conditions

1, valid identification, local fixed residence, fixed occupation, stable income,

2. Have repayment ability and no bad credit record,

3. A natural person with full civil capacity,

4. Other application conditions required by Bank of Communications.

The specific process is as follows

1. First, choose a car loan, and ask the bank if it can lend, and what is the loan amount.

2. If a loan application is filed in an auto shop and relevant materials are submitted, the relevant person in charge shall submit the application to the bank.

3. After the bank has approved the personal information, it will give the individual a certain amount.

4. Car buyers should go through mortgage and insurance procedures.

5. Banks issue loans.

Detailed explanation of four advantages of bank of communications credit card e car loan

1, unique electronic function, easy and simple.

With the perfect electronic channel function, car loan enables customers to independently arrange the use and return of the loan at any time according to the household income and expenditure situation. 24 hours a day, 365 days a year, e-car loan supports customers to repay it as they borrow.

2. Convenient process optimization

Whoever it is wants to take his car early. Therefore, the process of e-car loan of Bank of Communications has been optimized. Car buyers can apply for a loan amount from Bank of Communications in advance when choosing the target model. After approval, Bank of Communications will give car buyers a credit line that can be used within a certain period of time. After signing the car purchase contract, the car buyer can issue the loan on his own in real time and pick up the car at the 4S shop designated by the Bank of Communications. The car purchase procedure is exactly the same as the full purchase, and there is no waiting.

3. Low cost and expected annualized interest rate.

Loan cost is an important point in car purchase. E the car loan fee is low and the expected annualized interest rate is low. Car buyers can rest assured that the wallet is "less blood". Why do you say that? We might as well compare the "e-car loan" to the credit card installment of the bank. The loan principal is 200,000 yuan and the loan period is two years. First, through the credit card installment website of a bank, the loan cost is 1.90 million yuan, while the interest is only 1.33 million yuan by using the "e-car loan" of Bank of Communications and choosing the average capital repayment method.

4. There are many ways of guarantee and flexible handling.

According to reports, "e-car loan" can be guaranteed by mortgage, pledge, guarantee and credit, or by combination guarantee. Among them, the collateral is mainly housing, commercial housing, commercial and residential housing. Where the house is used as collateral, the credit line shall not exceed 70% of the value of the collateral; Where commercial housing and commercial/residential dual-use housing are used as collateral, the credit line shall not exceed 50% of the value of the collateral. Pledges include certificates of deposit, voucher-type government bonds, savings bonds, etc. If you are a high-quality customer with stable income and good credit record, you can also apply for "e-car loan" with credit, and the procedure is equally simple and convenient.

Comparison of credit card installment purchase among China Merchants Bank, China Construction Bank, ICBC and Bank of Communications

Car loans such as buying a car with a credit card have their own advantages in terms of methods. There are two credit card modes for buying a car by credit card: one is to pay in full by credit card and then apply to the bank for bill installment. The premise is: your credit card is enough to pay for the car. Second, most car dealers support buying a car by credit card, but the difference is that the banks designated for cooperation by stages are different, so be sure to ask the merchants before buying. The bank credit card you hold can buy a car by stages.

Comparison of credit card installment payment among China Merchants Bank, China Construction Bank, Industrial and Commercial Bank of China and Bank of Communications;

China Merchants Bank "Cheyigou"

Once the threshold of "small quick loan" is lowered, ordinary credit card customers can also buy cars by credit card installment, which is equivalent to a maximum loan of 50,000 yuan. The 24-month installment fee is only half of the expected annualized interest rate of car loan every year.

According to the Credit Card Department of China Merchants Bank, 20% of the incremental customers of some car dealers are contributed by them. Credit card installment does not need to apply for mortgage and fill in complicated information, which is increasingly favored by cardholders.

It is not cost-effective to buy a car with a credit card loan from China Merchants Bank. Deposit 30,000 yuan, spend 50,000 yuan on a credit card, and then repay 20,000 yuan in installments, because that 20,000 yuan can only apply for "bill installment", and the highest 80% of 20,000 yuan, that is, 1006 yuan, can apply for repayment in three, six or 12 installments, and bear the handling fee respectively, which is the point.

The suggested method is to try to apply directly for the "Easy Car Purchase" of China Merchants Bank's credit card to buy a car without a deposit of 30,000 yuan. 20 thousand can also do a higher car price range, and it is 0 interest and 0 handling fee. The main points are as follows:

1 According to different car models, the total installment amount of China Merchants Bank's credit card car purchase business ranges from 300,000 yuan to 200,000 yuan, which is determined by the cardholder's credit card limit, credit status and other factors, and the cardholder can arbitrarily choose the total installment amount within the limit.

2. The minimum down payment ratio of CMB credit card to buy a car is 30% of the car payment.

3. The total handling fee of China Merchants Bank's credit card car purchase = total installment amount × handling fee rate (handling fee is included in the first bill after car purchase by installment).

4. China Merchants Bank "Cheyigou" must be insured with theft insurance, three liability insurance and car damage insurance, and the number of insurance periods cannot be less than the number of installments.

Warm reminder: different models have different installment rates in different periods, and some banks can only specify the installment of models. The credit card installment threshold is not low, and the credit card limit in the hands of card friends is generally 6.5438+10,000 yuan-200,000 yuan.

China construction bank

Car buyers need to hold a dragon card (excluding business card, student card, supplementary card and security card) to buy a car at the car dealer designated by CCB. After the buyer pays part of the down payment and applies for a certain amount of loan and submits it to CCB for approval, the actual installment amount will be divided into several installments on average, and the cardholder will repay the loan every month within the agreed time limit and pay a certain handling fee.

The process is as follows:

Terms and conditions:

(1) CCB provides 12 (one year), 18 (one and a half years), 24 (two years) and 36 (three years) car purchase installment services.

(2) Generally, the installment amount range of car purchase is 200,000-500,000 yuan (the installment amount range is different according to different models). CCB will decide whether to approve or not and the amount of approval according to the cardholder's credit behavior and consumer repayment.

(3) The down payment ratio shall be at least 30% of the online car price (the down payment ratio will be different according to different models), and the down payment shall be paid by cash or debit card.

(4) Cardholder's handling fee = installment amount × cardholder's handling fee rate (handling fee is included in the bill of the first month after installment consumption).

(5) The cardholder shall be insured against motor vehicle loss when buying a car by stages, and the insurance period is the same as that by stages.

(6) If the installment amount cannot be divisible by the number of repayment periods, the system will automatically round off the repayment amount of each period.

(7) The repayment amount in installments in the first month = the installment amount/installment number of the cardholder's handling fee; Monthly repayment amount from the second month = installment amount/number of installments.

ICBC credit card installment car purchase process

1. Customers choose their favorite car model, but the car model must be provided by the car dealer designated by ICBC to participate in the installment car purchase service of ICBC credit card. Please refer to the installment purchase plan of ICBC credit card for specific optional models;

2. Apply to ICBC or a designated car dealer for credit card installment car purchase (just submit the required materials);

3. ICBC examines customers' application for credit card loans to buy cars;

4. The customer pays the car down payment to the car dealer;

5. After passing the audit, ICBC signs contracts such as loans and guarantees with customers;

6. ICBC issues loans, and banks directly transfer the loans applied by customers to the accounts of auto dealers.

7. You can pick up the car after handling auto insurance and other businesses;

8. Repay ICBC on time by credit card every month.

ICBC's credit card car purchase process has been determined. Then, what is the handling fee for ICBC's credit card installment car purchase? In fact, this is a comprehensive decision based on different car brands, models and stages.

Bank of Communications credit card installment purchase process:

(1) When you go to the garage, choose your favorite car first, and then remember the price and performance of a good car;

(2) Contact the credit card center of the relevant bank, provide your own relevant information, and ask yourself whether you can apply for the credit card installment car purchase service. If the bank gives you a definite answer that you meet the requirements of installment payment, then the basic conditions can go to the next step.

(3) Fill in the credit card installment application form in the 4s shop that wants to buy a car. Of course, this 4S store should be a partner of the bank, and the model you buy depends on the designated cooperative model, so that the 4S store will fax your application to the credit card center and wait for a reply.

(4) After the approval of the bank, you can pay the down payment to the 4S shop to pick up the car.

Bank of communications does not determine the handling fee by the length of the term, but by the installment amount. The more money, the lower the handling fee. In other words, it depends on how much you buy a car and how much you pay down.

What are the requirements for buying a car by stages?

Property certificate is generally required.

1. Installment payment is mostly used for some products with long production cycle and high cost. Such as the export of complete sets of equipment, large vehicles and heavy machinery and equipment. Installment payment means that after the import and export contract is signed, the importer pays a small part of the payment to the exporter as a down payment, and most of the rest is paid in installments after part or all of the products are produced and shipped, or after the goods are installed, debugged, invested and guaranteed. The buyer and the seller sign a contract at the time of transaction, and the buyer pays the goods and services to the seller in installments within a certain period of time. The date and amount of each payment are stated in the contract in advance.

2. At present, the corresponding installment fee can be calculated by multiplying the fee rate corresponding to the credit card by the consumption amount. However, there are many kinds of credit cards on the market at present. Banks such as Bank of China, Bank of Communications, China Construction Bank and Shenzhen Development Bank have all launched their own credit cards, and even the same bank has launched a variety of credit cards.

So much for the introduction of how to buy a car by installment with the Bank of Communications credit card.