At present, there are three kinds of auto loans available to consumers in the auto market, namely, bank loans, credit card installment payments and auto finance company loans. Generally, the down payment of these three ways of buying a car is 30%, and the loan ranges from three to five years. For borrowers, it is most important to choose the most suitable loan method for their own economic situation. 1. From the threshold, the procedures and formalities required to apply for bank car loans are quite strict. The down payment is generally around 30%, and the loan time can last up to five years. The monthly pressure of borrowers is relatively small, which is suitable for borrowers with credit history and stable economy. 2. The threshold of credit card installment payment is second only to banks. Although it also has an audit process, it should be relaxed. However, the down payment ratio of credit card installment payment is relatively high, and the loan amount will be limited. The longest loan time is only 2 years, so the repayment person needs to bear the greatest monthly payment and down payment pressure. Although the credit card installment payment has zero interest, there is usually a handling fee, and the discount is not obvious after the two offsets, which is suitable for consumers who are already credit card customers of the bank and have a certain amount of money. 3. Auto financing companies have the lowest threshold for auto loans and relatively low monthly payment pressure, and usually provide choices for consumers who are difficult to pass the examination of commercial banks and cannot bear the pressure of monthly payment of credit cards, such as people with bad credit records. Among the three, bank car loans cover the widest range of vehicles, covering almost all vehicles on the market, while credit card installment payment is usually jointly launched with manufacturers, so the vehicles targeted are limited. Borrowers should make comprehensive choices when choosing loan business. References:
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Second, the three rural loan caliber
1. Conditions required by individual first-hand housing loan borrowers: 1, full capacity for civil conduct and legal and valid identity documents; 2. Have the ability to repay the loan principal and interest; 3. Good credit status; 4. A legal and effective house sales contract has been signed, and the house purchased is for residential purposes; 5, there is no less than the minimum required proportion of the first payment certificate; 6. Set mortgage guarantee for the purchased house in principle; 7. Other conditions stipulated by the Agricultural Bank. Note: The specific business type, handling process and handling conditions are subject to the relevant regulations of local branches. Second, the scope of handling personal car loans: the handling bank, the borrower, the insurer and the guarantor should be located in the same prefecture-level city, and the loans should not be distributed in different places. Mortgaged vehicles must go through the licensing and mortgage registration procedures at the vehicle management office of the traffic management department of the public security organ where the handling bank is located, and shall not be handled in different places (except as otherwise stipulated or approved by the head office); A tier-one branch may decide whether to apply for compulsory notarization according to the situation. Note: The specific business type, handling process and handling conditions are subject to the relevant regulations of local branches. III. Definition of Netjet Loan Netjet Loan refers to a small consumer loan that China Agricultural Bank issues in cash to individual customers of China Agricultural Bank who meet certain conditions, and is self-applied, quickly received, automatically approved and self-credited. Application conditions (1) Basic conditions 1. At least 18 years old and no more than 60 years old, with China nationality and full capacity for civil conduct. 2. Hold legal and valid identity documents. 3. Our e-banking customers and holders of security authentication tools issued by our bank. (Currently only second-generation KBao customers are supported) 4. Credit status is good. 5. There is no unexpired "NetJet Loan" loan amount and no outstanding "NetJet Loan" loan balance. 6 stable income, with the ability to repay credit on schedule. 7. The loan is used reasonably, and the loan amount applied by NetJet is clearly 3,000-300,000 yuan; The loan amount is valid for 30 days, and the borrower needs to use the loan within the validity period. The loan amount cannot be applied, approved and issued in a few minutes.
Third, is the loan for agriculture, countryside and farmers true?
It's true, this is the state's support for entrepreneurship in the agricultural field, and most of it is done by local people.
4.202 1 When does the financial consolidation start?
2021April 15.
That is, the National Security Education Day, the People's Bank of China issued a document "How to fight a tough battle to prevent and resolve major financial risks and earnestly safeguard financial security".
The full text is as follows:
The tough battle to prevent and resolve major risks is one of the three tough battles determined by the 19 th National Congress of the Communist Party of China. Under the strong leadership of the CPC Central Committee and the State Council, the People's Bank of China has conscientiously implemented various decisions and arrangements, curbed the upward trend of systemic financial risks, fundamentally reversed the blind expansion of financial risks, and achieved overall convergence and overall controllability. The financial industry has developed steadily and healthily, and important achievements have been made in preventing and resolving major financial risks.
◆ The economic efficiency of financial services entities has been significantly improved ◆
A prudent monetary policy is more flexible and appropriate, and we will increase support for small and micro enterprises, private enterprises, agriculture, rural areas and farmers, poverty alleviation and other key areas and weak links in the national economy. Vigorously respond to the impact of the COVID-19 epidemic, strengthen the response of monetary policy, and organize the implementation of two monetary policy tools directly facing the real economy, namely, the extension of principal and interest of loans for small and micro enterprises and the Pratt & Whitney of Small and Micro enterprise credit loans. The reform of loan market quotation (LPR) continued to deepen, and the loan interest rate remained low, which created a good interest rate environment for the smooth completion of the financial system's reasonable profit-making to the real economy/kloc-0.5 trillion yuan.
◆ Smooth and orderly disposal of high-risk financial institutions ◆
First, the reform and restructuring of Baoshang Bank proceeded smoothly. Since taking over Baoshang Bank, all the work has progressed smoothly, breaking the rigid payment in an orderly manner, completing the assets and capital verification as scheduled, and successfully completing the establishment of Shang Meng Bank and the sale of four branches outside the region by the end of April 2020.
Second, the risk disposal and reform and restructuring of Jinzhou Bank have been basically completed. In July 2020, the financial restructuring, capital increase and share expansion of Jinzhou Bank were completed, the self-hematopoietic function was initially restored, and the operation was put on the right track.
The third is to successfully take over nine financial institutions under the "Tomorrow Department". Regulatory authorities] Take over nine financial institutions including Tianan Property Insurance in accordance with the law, operate in a timely and stable manner, maintain uninterrupted basic financial services, and promote assets verification, reform and restructuring in an orderly manner.
Fourth, the risk disposal of Anbang Group was basically completed. On February 22, 2020, the CBRC ended its takeover of Anbang Group; /kloc-In September, 2004, Anbang Group held a general meeting of shareholders and resolved to dissolve the company and set up a liquidation group (to be established).
◆ Shadow banking risks continue to converge ◆
Centralized rectification of non-standard inter-bank, wealth management and off-balance-sheet business. New regulations on asset management and its supporting implementation rules have been promulgated one after another, unifying the regulatory standards for asset management business, establishing a statistical system for asset management products, strengthening penetrating supervision and functional supervision, and pushing asset management business back to the original point of "the seller is responsible and the buyer is responsible". Reasonably set the transition period for adjusting the new regulations on asset management, improve supporting policies and incentive and restraint mechanisms, and promote the early rectification and transformation of financial institutions. Through efforts, the scale of shadow banking has been greatly reduced, and disorderly development has been effectively managed.
◆ Comprehensively clean up and rectify the financial order ◆
All the P2P online lending institutions in the camp closed down, and the rectification work in the fields of Internet asset management and equity crowdfunding was basically completed, which has been transferred to normal supervision. Severely crack down on illegal financial activities such as illegal fund-raising, and a number of cases of illegal fund-raising that have accumulated for many years and have been unresolved for a long time have been handled. Standardize the third-party Internet platform deposit business of commercial banks. We will steadily and orderly promote the clean-up and rectification of various trading places. Effectively respond to abnormal fluctuations in financial markets and external shock risks.
First, comprehensively adopt market-oriented debt-to-equity swap, merger and reorganization, bankruptcy and reorganization to effectively resolve corporate debt risks.
Second, continue to monitor and respond to imported risks, and actively prevent and resolve external shock risks.
Third, adhere to the principle of "establishing rules and regulations, non-intervention and zero tolerance" and improve the institutional mechanism of the stock market. In 2020, the A-share market has withstood the test of external shocks such as the violent turmoil in the international financial market.
Fourth, keep the RMB exchange rate basically stable at a reasonable and balanced level and keep the foreign exchange market running smoothly.
◆ The system for preventing and resolving financial risks has been vigorously promoted ◆
We will improve the framework of macro-prudential management system, establish a countercyclical capital buffer mechanism, introduce measures for evaluating systemically important banks, issue regulatory rules and access regulations for financial holding companies, and coordinate the supervision of financial infrastructure.
Gradually unify the rules of default disposal and information disclosure of corporate credit bonds, establish a full-caliber, normalized real estate financing monitoring, analysis and correction mechanism, and introduce a centralized management system for real estate loans. We will continue to carry out rating and stress testing of financial institutions of the central bank to guide financial institutions to operate steadily.
Promulgated the Regulations on the Prevention and Disposal of Illegal Fund Raising. Deeply participate in international affairs, promote the high-level opening of the financial industry, deeply participate in the relevant work of international organizations such as the Financial Stability Board (FSB) and the Basel Committee on Banking Supervision (BCBS), and actively participate in the formulation of international financial rules.
Cancel the restrictions on the ratio of foreign shares in banking, securities, fund management, futures and life insurance, and continuously relax the qualifications of foreign shareholders. The restrictions on the investment quota of overseas institutional investors will be completely abolished to further facilitate the participation of foreign investors in China's financial market. Give foreign investors national treatment in the fields of enterprise credit investigation, credit rating and payment.