When users apply for other credit cards (debit cards), they can submit the car loan credit card (credit card) as application materials to the bank, and the bank can judge the user's repayment habits and ability through the credit limit, consumption and repayment records of the card. After passing the bank review, a credit card (debit card) with a relatively large amount will be issued, so as to achieve the purpose of applying for a card with a card.
Of course, the bank ultimately examines the applicant's credit conditions, and the car loan credit card (debit card) is only an auxiliary material, which can play a positive role, but it cannot play a decisive role.
How to apply for car loan with CCB credit card? CCB's credit card car loan strategy is coming.
There are generally two ways to apply for a car loan from a bank, with or without mortgage. For convenience, many borrowers will choose to use CCB credit card to apply for car loans and buy cars directly by means of consumer loans, thus avoiding a series of procedures such as vehicle mortgage cancellation. How to apply for car loan with CCB credit card? CCB credit card car loan strategy is coming!
How to apply for car loan with CCB credit card?
The installment of CCB credit card car loan means that the cardholder applies to CCB to use his dragon card to buy a family car at the designated dealer of CCB when he agrees to pay the down payment. After the approval of CCB, the actual installment amount will be divided into several installments on average, and the cardholder will repay each month within the agreed time limit and pay a certain handling fee.
1, CCB credit card car loan application conditions
The applicant must be 18 years old or above, not a college student; Hold CCB Dragon Card, and there is no credit stain on personal credit information; Have a certain ability to repay the principal and interest, and have a stable source of income; Hold the certificate of intention to buy a car and the down payment certificate issued by the dealer.
2. Term and amount of the loan
Loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle.
Loan Term: The purchased vehicle is for personal use, and the longest loan term shall not exceed 5 years. The purchased vehicle is a commercial vehicle, and the loan period does not exceed 3 years.
3. Loan process
The borrower shall prepare the loan application, valid personal identification, personal income certificate, car purchase intention certificate and other related materials and submit them to the Construction Bank. CCB will submit the approval results within 15 working days. After approval, the borrower will sign a loan contract with CCB, and CCB will complete the loan within 7 working days. After that, the borrower goes to the dealer to pick up the car, pay by credit card, and then repay it on schedule.
The above is the related content sharing of "CCB Credit Card Car Loan", I hope it will help everyone!
What are the conditions for buying a car with a credit card loan? I understand the process of buying a car with a credit card loan for one second.
Buying a car is the pursuit of many young people, but the actual economic ability does not allow it, so credit card loans give them hope. More and more people have credit cards. What are the conditions for buying a car with a credit loan and what is the process of buying a car?
Conditions for buying a car with a credit card loan
Credit card loans to buy a car are lower than bank loans, and the review is faster. If you have a stable income and good personal credit, you can apply easily. Some people have special credit cards to buy cars. So, what conditions do you need to buy a car with a credit card loan? Let's take a closer look:
1. The applicant must be a natural person aged 18-60 with full civil capacity;
2. The applicant must be a China citizen or an overseas person who meets the conditions for issuing unsecured cards, and meet the stability conditions required for issuing cards;
3. The applicant must have a stable source of work or income and the ability to repay the principal and interest of the loan on schedule;
4. No bad credit record, no cash or multi-head credit, and no excessive debt.
Credit card loan car purchase process
If you meet the above conditions for buying a car with a credit card loan, you can start the process of buying a car with a good credit card.
1. After the cardholder chooses to buy a car, the dealer will confirm whether the car is within the scope of credit card loan;
2. The cardholder applies to the bank for credit card installment by telephone, including installment amount and installment times;
3, bank staff to review the borrower's application;
4. After approval, sign a loan agreement with the borrower;
5. The bank transfers the money to the car dealer's account;
6. The cardholder shall go through the formalities of automobile mortgage registration;
The above is the introduction of the conditions and process of buying a car with a credit card loan. If you need to buy a car and want to buy it with a credit card loan, then introduce the credit card processing channels, where you can find any credit card you want to apply for. Generally, banks will have corresponding preferential activities when they buy a car with a credit card loan. Friends who want to enjoy the preferential treatment must know for themselves.
What is the process of buying a car with a credit card loan?
With the popularity of credit card loans, more and more people choose credit card loans to buy cars, so what are the ways to buy cars with credit cards? What information do you need for a credit card loan to buy a car?
First, the way to buy a car with a credit card loan
There are two ways to buy a car with a credit card loan. One way is to buy a car at a car dealer that cooperates with the bank. After signing a car purchase contract or agreement with the dealer, the dealer will apply for a loan from the bank. The other is to apply for a loan directly at a bank outlet. After signing a loan contract with the bank, you can choose to sell your car and buy your favorite car.
Second, the characteristics of credit card loans to buy a car:
1, the credit card loan to buy a car is limited, and the maximum credit card loan is 200,000;
2. Some banks have requirements for the holding period of credit cards;
3. Credit card loans are limited to buy cars;
4. No interest, only handling fee.
Third, credit card loan to buy a car information
1. Fill in the loan application form;
2. The lender's valid identity documents, occupation and income certificates and basic family information;
3. The proof or document of the lender's guarantee requirements, and the car purchase contract or agreement shall be provided when applying for the loan through the dealer;
4. Other conditions required by the bank.
Fourth, the process of buying a car with credit card loan
1. After the cardholder chooses to buy a car, the dealer will confirm whether the car is within the scope of credit card loan;
2. The cardholder applies for credit card installment payment by telephone;
3, bank staff to review the borrower's application;
4. After approval, sign a loan agreement with the borrower;
5. The bank transfers the money to the car dealer's account;
6. The cardholder shall go through the formalities of automobile mortgage registration;
7. The cardholder uses the car.
I have a CCB credit card. How can I get a car loan?
Go to local bank outlets or local bank credit card centers or ICBC CCB to support official website's application.
The following conditions must be met: at least 18 years old; Have a stable repayment ability.
The following documents are required: ID card; Work certificate or income certificate; Work phone, home phone and my mobile phone; Tax payment certificate; Proof of assets such as real estate and vehicles under the name of the individual; Other banks, credit cards and so on.
The entry standards of each bank are different, so the above information may not be all, depending on the requirements of the bank. Work or income proof is very important.
In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submitted makes the bank feel that you have enough repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards.
First, please ask the credit card salesman or lobby cashier to fill out the application form. The other party will generally ask you to fill in the application form when your conditions are likely to approve the card, and then submit the above information to the bank for approval. Whether or not to approve the card and the amount of the card depends on the comprehensive score of the bank.
Let's stop here for the introduction of how to apply for a car loan credit card.