The car loan mode of China Construction Bank is to buy a car with a credit card (debit card), so it is necessary to apply for a car loan with a credit card (debit card) of China Construction Bank. Users who already have a credit card (debit card) of China Construction Bank can apply for a car loan directly. Without a card, they need to apply for a credit card (debit card) before applying for a car loan. Banks are generally reluctant to do car loan business, but credit card (debit card) installment car purchase is a new car loan model and the main type of car loan promoted by banks.
In fact, when applying for a car loan, 4S stores usually require users to apply for a car loan directly from the bank with a credit card (debit card), and users are not advised to apply for a car loan temporarily with a credit card (debit card).
Do you need a credit card for bank car loans?
You can borrow money to buy a car without applying for a bank credit card. \x0d\ According to the current situation, you don't need to apply for a credit card from this bank for general loans. After the loan application is successful, the lender only needs to repay the monthly payment on time every month. The way to repay the loan is generally transfer and deduction. In other words, the bank or another lending institution will deduct the money within the agreed repayment time. Only the lender applies for a credit card to buy a car in installments. For this kind of loan, the bank is required. \x0d\ When handling mortgage loan or mortgage loan in the bank, the lending bank will have a series of bundled sales behaviors, requiring you to handle a credit card, and both the loan account and repayment account should be opened in the lending bank, which is a promotion strategy after the bank's tasks are linked. \x0d\ can refuse the bank's card application. If the bank insists on coercing customers to apply for a card, it can complain to the local banking supervision department.
Can I apply for a loan to buy a car without a credit card
You can apply for a car loan without a credit card. Individuals who apply for car loans from local banks or auto financing companies do not need to provide credit cards, so individuals can apply for car loans directly as long as they meet the relevant conditions of car loans. \x0d\ However, if an individual wants to buy a car by installment with a credit card, he/she needs a credit card. To purchase a car by installment with a credit card, you need a credit card from a cooperative bank of auto merchants, and the applicant needs to prepare a down payment of not less than 30% of the total purchase price. \x0d\ Therefore, no matter whether an individual wants to apply for a car loan to buy a car or wants to use a credit card to buy a car in installments, if there is no credit card at present, he can do it. Before buying a car with a loan, you can consult the local lending institution according to your personal situation to understand the relevant requirements of car loan. \x0d\ In addition, after the borrower successfully obtains the loan, he must remember to repay it in full and on time every month, otherwise the overdue period will seriously affect the borrower's own credit record.
I don't have a credit card. Can I get a car loan?
You can apply for a car loan, and the information needed for the car loan: the original ID card, household registration book or other valid proof of residence, and provide its copy; Proof of professional and economic income, running list of personal accounts in the past 6 months; The car purchase agreement, contract or letter of intent signed with the dealer; Other documents required by the Cooperation Organization.
When making a loan, the lender needs to prepare proof materials, go to the bank, fill out the application form and fill out the contract. Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms.
If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If the loan is unsecured, there is no need to sign such a contract. Finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up note issued by the bank.
Extended data:
Optional loan methods: one-time principal and interest repayment method and installment repayment method (equal principal and interest, average principal).
One-time repayment of principal and interest: The borrower will not repay the principal and interest on a monthly basis during the loan period, but will repay the principal and interest once the loan expires. Recently, the People's Bank of China issued a personal housing loan with a term of 1 year (including 1 year), which adopted this method. The calculation formula of one-time repayment of principal and interest is as follows:
One-time repayment amount = loan principal ×[ 1+ annual interest rate (%)] (loan term is one year)
One-time repayment of principal and interest at maturity = loan principal ×[ 1+ monthly interest rate (‰ )× loan term (month)] (loan term is less than one year)
Monthly interest rate = annual interest rate12
Matching principal and interest: refers to the repayment of the same amount of loans (including principal and interest) every month during the repayment period.
Calculation of monthly repayment amount: [loan principal× monthly interest rate× (1+monthly interest rate )× repayment months ]≤[( 1+ monthly interest rate )× repayment months]
Average capital: At first, the lender was under great pressure to repay, but with the passage of time, the monthly repayment amount became less and less.
Monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.
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