The loan extension process is as follows: 1. Contact the loan bank by telephone to confirm the application conditions for loan extension; 2. Prepare relevant handling materials; 3. Go to the bank outlet for loan extension on working days; 4. The delay is completed and a new loan repayment agreement begins. : 1. It is up to the lender to decide whether to grant the loan, but the guarantor, mortgagor and pledger need to issue a written consent certificate. If there is an agreement, it shall be implemented in accordance with the agreement; 2. The loan extension period shall not be lower than the original loan conditions. The extension of short-term loans shall not exceed the original loan term; The extension of medium-term loans shall not exceed half of the original loan term; The longest extension of long-term loans shall not exceed 3 years; 3. The lender's application for extension needs to be true, and there can be no malicious non-repayment.
ICBC's car loan interest rate: The annual car loan interest rate of ICBC is increased by 20%(6.45%), and the interest = 44,000 * 6.45% *120% * 2 = 6811.2 yuan car loan interest = loan amount * loan interest rate * loan time. Specific interests are based on these three. The biggest cost for banks in automobile mortgage is loan interest. Different banks, different loans and different interest rates. The benchmark interest rate for 2-year futures is 6.45%. The actual loan interest rate is usually higher than the benchmark interest rate. Most benchmark interest rates have gone up by 30% to 40%. Are there any other expenses besides mortgage interest? It depends on the specific situation of payment. Car loan application conditions (1) The car buyer must be at least 18 years old and be a citizen of China with full civil capacity. (2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products. (3) During the loan application period, the car buyer will deposit the car purchase down payment lower than that stipulated by the bank into the account of the bank savings counter. (4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan. (5) Car buyers are willing to accept other conditions deemed necessary by the bank. Choose a bank loan to buy a car, the loan interest rate is moderate, and there are many kinds of cars to choose from. However, in the process of handling loans, it actually takes time and energy. In order to control risks, banks usually spend a long time reviewing and require applicants to submit a lot of information. If you want to apply and are not afraid of trouble, bank loans are a good choice; As we all know, credit cards don't charge interest by installment, which is also the biggest advantage of buying a car by installment. At the same time, credit card installment is convenient and quick, and it can be done with one phone call. Sometimes banks can enjoy certain discounts when they cooperate with car dealership companies.