The advantages of ICBC's credit card installment car purchase are obvious, that is, zero interest rate and low handling fee. Take Mazda as an example, the down payment is 50%, the loan is one year 1, and there is no handling fee. Consumers can choose from mazda 6 and mazda 8.
Usually, buying a car with a credit card loan is divided into 12 periods (months), 24 periods (months) and 36 periods (months). The procedure fee for choosing different repayment periods will be different.
Compared with the traditional car loan interest rate, credit card car loan is more favorable. However, credit card car loan has certain restrictions on customers' car purchase. There are regulations on the model and the flagship store to be purchased. It is generally required to go to the designated flagship store and buy the designated model. At present, most of the automobile brands designated by banks are loved by the public, mainly popular and cost-effective models.
2. What procedures does ICBC need to handle car loans?
1. loan application approval form.
2. My valid ID card and a copy.
3. Original and photocopy of spouse's valid ID card, and written proof of consent to mortgage.
4. Proof of residential address (household registration book or rent, water, electricity and gas receipts for the last three months).
5. Work and income certificate (original and photocopy of work certificate; Bank payroll, passbook, etc. ).
6. Provide a down payment certificate of not less than the specified proportion when buying a car.
7. Proof of loan guarantee; The loan guarantee can be pledge of rights, mortgage guarantee or third-party guarantee.
8. Personal settlement account voucher opened in China Industrial and Commercial Bank.
9. Other information required by the bank.
3. What are the loan materials for ICBC to buy a car?
ICBC needs to meet some conditions when applying for car loan. First of all, you must have valid identification and full capacity for civil conduct; Can provide fixed and detailed address proof; Have a stable job and the ability to repay the loan principal and interest on time; Personal credit is good; Holding a car purchase contract or agreement approved by the lender; Other conditions stipulated by the cooperation organization. China Industrial and Commercial Bank auto loan information 1. Approval form for loan application. 2. My valid ID card and a copy. 3. Original and photocopy of spouse's valid ID card, and written proof of consent to mortgage. 4. Proof of residential address (household registration book or rent, water, electricity and gas receipts for the last three months). 5. Work and income certificate (original and photocopy of work certificate; Bank payroll, passbook, etc. ) .6. Provide a down payment certificate of not less than the specified proportion when buying a car. 7. Proof of loan guarantee; The loan guarantee can be pledge of rights, mortgage guarantee or third-party guarantee. 8. Personal settlement account voucher opened in China Industrial and Commercial Bank. 9. Other information required by the bank.
4. What information do I need to take to the bank to go through the formalities after I have paid off my car loan from ICBC? 1? 2. Do I need to go to the bank that originally handled the car loan?
You must go through the formalities at the bank where you used to handle the car loan, bring the loan settlement certificate, a copy of the decompressor, the registration form, the power of attorney, and some formalities that the vehicle management office needs a loan officer must be stamped with the contract or business seal of the branch.