1. Loans that must be taken if you own a car
1. Ping An Car Loan-Credit is a vehicle credit loan product launched by Ping An Bank, but the requirements are relatively strict. Users who are required to apply for a loan must be the owner of a vehicle mortgage loan from Ping An Bank before they can apply. However, the loan limit of Ping An Auto Loan-Credit Bei is relatively high and it is much more convenient to use. 2. 58 Car Loan is a vehicle credit loan product launched by 58 Group. The car is not pledged. Users only need to install the specified GPS device according to the contract. The amount currently provided to users by 58 Car Loan is relatively low among car loan products. , but the interest rate is also relatively low in the industry. You can choose to apply according to your own situation. 3. Fanpu Express, a vehicle credit loan affiliated to Fanpu Jinke, does not guarantee the car or install a GPS, but it has strict requirements on personal credit information, and it also has certain requirements on the purchase period and insurance of the vehicle. 4. Bee Auto Loan Bee Auto Loan is a popular vehicle credit loan product currently on the market. Users need to install the platform’s designated GPS device to apply for a loan. Bee Auto Loan’s amount is not low, and the loan term is optional. It is also very popular and has very high user ratings. 5. A vehicle credit loan product under Jiachedai Niwodai, which does not require a car pledge or GPS installation, does not affect the user's normal life, and provides users with a loan period of up to 3 years to help users reduce repayment pressure. : 1. Car loan refers to a loan granted by a lender to a borrower who applies to purchase a car. Car consumption loans are a new loan method that banks issue RMB-guaranteed loans to car buyers who purchase cars at their authorized dealers. The interest rate of automobile consumer loans refers to the ratio of the loan amount to the principal issued by the bank to consumers, that is, borrowers, for the purchase of self-use cars (non-profit family cars or commercial vehicles with 7 seats or less (inclusive)). The higher the interest rate, the greater the repayment amount the consumer will have to pay. 2. Car loan types: Personal loan car purchase business is divided into three types: direct customer loan, indirect customer loan, and credit card car loan. The direct customer type is generally a bank car loan where the customer meets directly for the loan, and the indirect customer type is generally a car finance company car loan where the auto finance company transfers the customer to the customer. 1. For direct bank car loans, the fees collected are deposit, principal and interest, 3 guarantee fees, etc. The fees for high-quality bank customers will be discounted, but each bank's preferential policies are different. 2. In addition to paying the above fees, the car loan of Jianke Auto Finance Company also needs to bear supervision fees, fleet management fees, and warranty renewal deposits. 3. Credit card car loans and credit card installment car purchase loans only provide installment payments to bank credit card users, not It can be applied for any conditions, and there is an audit procedure. It is difficult for credit card users with bad credit records to apply. 3. The specific steps for credit card installment car purchase are as follows: 1. The cardholder (or applicant) calls the bank's credit card center or goes to a local bank to find out whether he or she can apply for a credit card car loan. 2. The cardholder goes to the dealer with his/her identity document to fill out the car purchase installment order on site, and submits it to the bank's backend for review. 3. When the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures. 4. After the vehicle has a license plate, the cardholder needs to go through the mortgage procedures with the bank and purchase the required types of auto insurance. 5. Finally we can drive the car away smoothly.
2. Which online loan APP is easy to use?
Yes, quite a lot. New mouth, Sina has something to borrow. The limit is 5,000, and the payment will be made quickly depending on the situation. If everything goes well, Sina Youyi will receive it in seconds.
Bank loan approval is slow and varies from bank to bank, usually within a month. Of course there is a relationship, or it will be much faster if the assets are strong. Banks generally take 15 to 25 working days. We do not rule out the possibility that individual banks may have slower approval times, which will be faster in the first half of the year. Generally, the end of the year is slower because banks have to collect payments, so they don’t lend much in the last month. Hope this helps.
3. Where can I get a loan if I have a car?
If you have a local branch of our bank and meet the loan conditions, you can try to apply to our bank. The application requirements for each loan type The terms and conditions are all different. First, what is the purpose of your loan? Loans from our bank are issued for specific loan purposes (such as buying a house, buying a car, running a business, studying abroad, etc.), and when applying for a loan, you must provide relevant supporting materials based on the "loan purpose". Since each branch carries out different types of loans, it is recommended that you first log in to the homepage of China Merchants Bank, click "Online Customer Service" in the upper right corner and select manual entry. After providing the city where the all-in-one card account is opened and the purpose of the loan, we will check for you whether the local branch has the type of loan you need. Application conditions and required materials.
4. Find a loan in seconds!
There should be relatively few loan opportunities available within seconds. Unless it is an individual loan, it will take more than half a day at the earliest.