1. How much is the interest-free loan fee for buying a car? Interest-free loans are more favorable for buying a car.
Car loans are familiar to everyone, but after CCB bought a car with zero down payment and interest-free loans, everyone began to be impatient. Many friends wanted to apply, because it would be more comfortable to buy a car without interest pressure, but interest-free loans also required car loan fees. So what is the handling fee for the interest-free loan of CCB to buy a car? What are the models of CCB to buy an interest-free loan?
1. Conditions for CCB to buy a car with an interest-free loan 1. A natural person with full capacity for civil conduct 2. A local permanent residence or valid residence status, a fixed and detailed address 3. A legitimate occupation and a stable and reliable source of income 4. Holding a purchase agreement or contract for a designated brand car signed with a dealer designated by the lender 5. Providing property mortgage or pledge recognized by the lender, and the guarantor shall bear joint and several liabilities for an individual or unit recognized by the lender with compensatory capacity. 6. If the buyer is a husband and wife or a family member, he/she must apply together. Second, CCB buys interest-free loan models Hyundai Honda, Dongfeng Honda, yueda Kia, Geely, FAW Mazda and FAW-Volkswagen Audi. Third, what is the interest-free loan fee for buying a car? Take a car with a total price of 12, as an example, the down payment is 4%, that is, the maximum loan amount is 72, yuan. Generally, according to bank regulations, the down payment is 5,, and the total installment amount is 7,. Calculated by 12 installments, the monthly repayment is 7,/12 = 5,833 yuan, and the handling fee is 7, yuan. If the car loan is interest-free, the total cost of car purchase is 122,45 yuan. If you choose a one-year automobile consumption loan, the total cost will be 7, yuan plus the interest of the loan, so the total cost of buying a car will be 125,229 yuan. In this respect, it is not difficult to see that it is more affordable to buy a car with interest-free loans. The above is about the introduction of the interest-free loan fee for buying a car. I hope I can help you.
second, CCB applied for an interest-free car loan, with a loan of 48, yuan. It will pay nearly 6, yuan to pay off the handling fee in three years, saying that it will charge 12 points of handling fee! Is it too expensive?
it's not very high, and it's in the middle and lower level of inter-bank car loans. I'm the bank that makes personal loans. Can you come to me and guarantee that the interest rate is much higher than the current rate? Can you swipe your credit card only at 7 or 8%? The daily interest rate of the credit card is five ten thousandths, which makes the total annual interest rate 18%, even if it's in installments, it's not cheap. Only the mortgage interest is a little lower, but the premise is to use the real estate as collateral, and with the evaluation fee of the real estate, it is not much better. I am very responsible to tell you that this interest rate is really not high.