China Construction Bank have interest-free loans to buy a car, which is a "direct car loan", that is, the buyer first borrows from China Construction Bank and then goes to the dealer to buy a car.
the characteristic of this kind of business is that it does not occupy the credit card itself, and the bank will give another special installment line for use, but this money is earmarked and can only be used by designated cooperative merchants.
in terms of expenses, as long as the payment is made in full according to the bill on schedule, the bank will not charge interest. As for the installment fee, it depends on the actual handling situation, and some of them are not charged by installment. In terms of the number of issues, the shortest is 12 issues, and if it is long, it will reach 36 issues.
Extended information:
China Construction Bank has an interest-free loan line, but it can only handle it after the borrower meets certain conditions. At present, China Construction Bank has two kinds of interest-free loans, namely, national student loans and venture loans. Among them, national student loans are generally only available to college students.
The interest-free loan fee for buying a car is 3.5%. Take a car with a total price of 12, yuan as an example, the down payment of 4% means 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, * 3.5% = 2,45 yuan. If the car loan is interest-free, the total cost of car purchase is 122,45 yuan.
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