What bank's credit card can lend money to buy a car? Share three kinds of credit card car loan products

Go to the bank to apply for a car loan, one is to apply directly, and the other is to apply for a credit card loan to buy a car in installments. If the borrower holds a credit card of a bank, the possibility of handling a car loan will increase a lot. What bank's credit card can lend money to buy a car? Share three credit card car loan products for everyone!

what bank's credit card can lend money to buy a car?

1. CCB Longka Car Loan

CCB Longka Car Loan is a car installment loan product that only users who hold CCB Longka can apply for. The borrower first needs to go to the dealer to select the car, then determine the car price with the dealer and prepare the car loan contract. Then, the borrower carries the information such as dragon card and ID card, and goes to the bank to fill out the application form for car purchase by stages.

after about 5 working days, you will receive a notice of approval from CCB. Wait patiently for about 3 days, and CCB can lend money. After that, the borrower can take the dragon card to the 4S shop and pay the final payment. CCB Longka car loan is essentially a car loan product, which does not conflict with the credit card quota.

2. China Merchants Bank Car Purchase Easy

China Merchants Bank Car Purchase Easy is a credit card loan installment car purchase product under China Merchants Bank. Before applying for China Merchants Bank Car Purchase Easy, borrowers need to prepare at least 3% down payment ratio. After the loan application is successful, the borrower needs to buy auto insurance in the bank, and the vehicle is mortgaged to the bank before the repayment is completed.

3. agricultural bank card loan

agricultural bank card loan has no specific requirements for borrowers to hold agricultural bank credit cards, but if they do, the pass rate will increase a little. The maximum loanable amount of Agricultural Bank of China's Kajie loan is 3 million yuan, which belongs to mortgage loan and can be used for car purchase, and the longest installment period is 5 years.

The above is the sharing of the related content of "What bank's credit card can borrow money to buy a car", hoping to help everyone!

Is there a credit card to borrow money to buy a car?

Yes. 1. If you have a credit card under your name, you can apply for a loan to buy a car. 2. Credit cards cannot have overdue records. 3. Provide your own bank salary flow certificate. 4. Many banks and 4S shops have cooperative car loans, which is very simple to handle. As long as it is used normally and repaid on time, you can apply for a loan to buy a car.

when using a credit card, if it has been overdue for more than 6 times in the past two years, or if the overdue time exceeds 9 days, the application for car loan will be directly rejected. Secondly, because the credit card limit will occupy the personal credit limit, if the accumulated credit card limit is too high or the utilization rate of the credit card is too high, it will be more difficult to apply for car loan, considering the great repayment pressure and the increased loan risk. Applying for a car loan is mainly to examine the applicant's personal credit, repayment ability and debt ratio. Simply having a credit card is not overdue, the amount is not used much, and the applicant's income is high and stable, so it is not a big problem.

car loan processing flow:

first, the lender needs to prepare proof materials such as ID card, residence certificate, work certificate, loan purpose certificate, etc., go to the bank once, fill out an application form and fill out a 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 in some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract, a mortgage contract, and go through mortgage registration procedures; If it is, there is no need to sign such a contract.

secondly, banks issue loans to lenders. Generally, banks will issue loans within 2 to 3 weeks or 1 month after the approval, and the loan can be issued within 1 day at the earliest. 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 slip issued by the bank.

note: in the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, a copy of household registration book, a copy of marriage certificate, income certificate, bank statement, a copy of real estate license and other procedures.

if you have outstanding credit card money, you can borrow money to buy a car if there is no bad information in credit information. According to the credit card, the overdue repayment has passed the delayed application, which will not affect his personal credit record. According to Article 11 of the Interim Measures for the Administration of Personal Loans.

an individual loan application shall meet the following conditions: (1) the borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

if you apply for a CMB card and apply for a car loan through a savings card, if you have seen the car you need to buy through the car dealer, you can confirm whether you have cooperation with CMB through the car dealer. If not, you can try to contact the personal loan department at the local CMB counter directly to apply for your loan. The handling bank needs to examine your situation in detail to determine whether you can handle it. If a credit card is used for car installment, the Bank mainly distinguishes the installment application methods and application materials to be submitted by different cardholders according to their card performance (such as card holding time, consumption habits, fixed quota, etc.), professional status and income.

how to repay the car loan with a credit card

the owner can use the credit card to repay the loan at the ATM of the mortgage bank, or set the automatic repayment by binding the credit card with the bank card.

the cardholder can repay the car purchase money in monthly installments only by bearing a certain handling fee.

There are several points to pay attention to when repaying a car loan with a credit card:

First, the credit card cannot pay the down payment of the car.

second, there is a one-time handling fee for credit card car purchase, which needs to be paid off at the first repayment.

3. If the buyer pays off the money in advance, the one-time handling fee will not be refunded.

The repayment method of CCB's car loan is as follows:

1. Open the CCB app and click the place indicated by the arrow in the upper right corner.

2. Next, click Login Now to log in to the app client of CCB.

3. after logging in, click the loan indicated by the arrow.

4. After entering the loan page, click Repay Now as indicated by the arrow to repay the car loan.

that's enough for the introduction of how to get a car loan with a credit card.