Is it true that Ningbo Bank credit card can be used to borrow money without interest?
It is true. It is true that Bank of Ningbo credit cards can be used to borrow money without interest, but there is a time limit, which lasts from 25 to 56 days. Depending on the time of consumption of the cardholder, the interest-free period that the cardholder can enjoy will naturally be different. During this period, as long as the cardholder holds the If the cardholder can repay the total amount due on the current statement in full, he will not have to pay any interest generated by non-cash transactions.
Detailed explanation of Ningbo Bank’s credit card loan car buying guide (Love Home Installment)
As mentioned earlier, China Merchants Bank Credit Card Car Easy Purchase, Minsheng Bank Car Purchase Pass, China Construction Bank Long Card Installment Payment, Bank of China Chedaitong, these products allow you to use credit card loans to buy cars. Today I want to introduce to you a scoring product from Bank of Ningbo that allows you to use credit cards to apply for loans to buy cars - Aijia Installment.
Introduction to the "Love Home Installment" product
Handling fee details: 6th, 12th, 18th, 24th, 30th and 36th periods. In addition, consumers can apply for installments from 6 Installment loan services range from 36 to 36 installments, and the handling fee is also determined based on the number of installments. In addition, if you repay the loan early, you will also need to pay relevant liquidated damages to the bank and the handling fee will not be refunded.
The minimum down payment is RMB 30. If consumers want to repay in advance due to personal financial reasons, consumers need to submit an application in advance. In addition, the handling fee will not be refunded, and a part of the liquidated damages will also need to be paid.
Advantages:
More models are allowed for loans
Disadvantages:
Limited to the southern market, extremely strict restrictions, early repayment Liquidated damages are required.
Ningbo Bank’s “Love Home Installment” business is understood to cover all models and brands sold. Consumers can apply for a loan after selecting a vehicle at any 4S store.
In addition, consumers can apply for installment loan services ranging from 6 to 36 installments, and the handling fee is also determined based on the number of installments. In addition, if you repay the loan early, you will also need to pay relevant liquidated damages to the bank and the handling fee will not be refunded.
Conditions for applying for a credit card loan from Bank of Ningbo
What needs to be explained here is: Bank of Ningbo’s “Love Home Installment” is only for cardholders who hold mid-to-senior positions in Fortune 500 companies. Only those with certain positions can apply for it. From this point of view, the loan restrictions of Bank of Ningbo are extremely strict.
Car price requirement: more than 130,000 yuan;
Vehicle type requirement: sedan;
Income requirement: monthly income after tax of more than 5,000 yuan, monthly salary required Filing water;
Working years: 6 consecutive months of working in the current unit, 2 years of working in the same industry (paying local social security);
Real estate requirements: Shanghai local commercial housing;
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Quality industries: civil servants, administrative employees, state-owned monopoly enterprises, regular employees of enterprises with a registered capital of more than 30 million;
Industry requirements: finance, insurance, securities industry, lawyers, accounting firms Formal practitioners are temporarily not accepting applications from third-party outsourcers.
What are the credit loan conditions of Bank of Ningbo?
1. The loan applicant must have the nationality of the People’s Republic of China.
2. The loan applicant is between 18 and 60 years old and has full civil capacity.
3. The loan applicant has a stable income and the ability to repay on time.
4. The loan applicant must have a valid identity certificate and a fixed residence.
5. The credit status of the loan applicant is good.
6. The loan applicant meets other conditions of Ningbo Bank.