How to buy a car in stages in CCB?

1. How does CCB buy cars by stages?

To purchase a car by stages, CCB must first apply to the bank counter and submit the necessary materials such as the car purchase contract, ID card, income certificate and vehicle information. The bank will review the car according to the applicant's credit record and repayment ability, and if it passes the review, it will issue a car loan to the applicant in stages.

In addition, CCB also provides online installment car purchase service, and applicants can apply directly at CCB official website or Mobile Banking app, making the process more convenient.

After the application is successful, the bank will directly transfer the money into the car dealer's account, and the applicant only needs to repay the money on schedule. The repayment method of CCB's car purchase by installment is flexible, and it can choose a variety of repayment methods such as equal principal and interest, average capital, interest first and principal later, which makes the car purchase more flexible. It is worth noting that if the repayment is not timely, it will affect personal credit. It is recommended to seriously consider your repayment ability before applying for a loan.

2. What are the procedures for applying for installment payment of China Construction Bank?

CCB needs a single installment 1 1,000 yuan or more. If there is not enough money on the card, you can call customer service to apply for a temporary increase in the quota.

Three. The Process of Handling CCB License by Stages

The process of handling CCB licensed vehicles by stages is as follows: 1. First of all, you need to go to the dealer designated by CCB to choose a car for a test drive and negotiate with the dealer to determine the purchase price. 2. Show your CCB Longka credit card and ID card at the dealer, and then fill in the installment payment application form. 3. The dealer will submit the application materials such as the application form for installment payment of car purchase that you filled in to CCB. 4. CCB will review your application materials. After the application is approved, you can go to the dealer to pay the down payment and go through the relevant procedures. 6. Then wait for the notice. After receiving the dealer's notice to pick up the car, pay the final payment by credit card and pick up the car.

4. How can I find out how many installments of China Construction Bank's installment card remain?

After handling the CCB car loan, it means that the monthly payment needs to be paid back every month. The user wants to inquire about the car loan balance of CCB.

1, telephone inquiry: users usually need to provide some basic information of themselves, and the customer service staff can inform them.

2. Personal online banking inquiry: Users can log in to the Construction Payment Service-My Loan through the browser to view the relevant CCB car loan information and know their remaining loan term.

3. Mobile Banking Inquiry: Download the latest version of China Construction Bank's mobile banking, register and log in your account, and find "Loan" on the page, then you can see your remaining repayment periods in detail.

China Construction Bank is one of the four state-owned banks in China, and its business covers various loan types. There are banks, but as long as they meet the loan conditions, it is not difficult to apply for a car loan, and its loan funds are abundant.

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method for banks to buy cars at their special dealers. The interest rate of automobile consumption loan is an example of the loan used to buy self-use cars (non-profit or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.

Auto loan regret date type

Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. Direct customer loan is generally a bank car loan that allows customers to meet directly and then receive a car loan from the customer's auto finance company.

The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.

In addition to paying the above fees, the deposit will be renewed.

And credit cards, car loans. Credit card installment car loans can only be handled by bank credit cards, and there is also an audit procedure with bad credit records.

The specific steps of buying a car by credit card are big.

1. The cardholder (or applicant) calls the bank credit card center to find out whether it can be processed.

2. The cardholder holds his ID card to the dealer's site to fill in the installment order for car purchase and submit it to the bank for review.

3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.

4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance.

5. I can finally drive away smoothly.

loan limit

The maximum loan amount generally does not exceed 80% of the price of the purchased car.

Letter of credit clause

1, with valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

Application material

1, the original ID card, residence booklet or other valid proof of residence, and provide its copy;