The personal commercial vehicle loan amount shall not exceed 60% of the car purchase price of the borrower (the down payment shall be at least 40%, unless otherwise approved by the Head Office). The car price in this article refers to the lower of the actual transaction price of the car (excluding various additional taxes, insurance premiums, etc.). ) and the price announced by the car manufacturer.
Individual commercial vehicle loan applicants shall meet the following conditions:
(1) China citizen, aged between 18 (inclusive) and 60 (inclusive), with full capacity for civil conduct and legal and valid identification.
(2) It has the household registration certificate or valid residence certificate of the place where the handling bank is located, and its business activities are legal and compliant, in which the individual commercial vehicle loan applicant needs to be affiliated with a transportation company or operating fleet with legal intercity passenger transportation management right or transportation management right; The borrower of construction machinery truck loan needs to obtain the construction qualification of the project.
(three) the credit record and income level are in line with the relevant provisions of the "Measures for the Administration of Personal Credit Business of Agricultural Bank of China" and have the ability to repay the credit on schedule.
(four) the car purchase behavior is true, and can pay a down payment of not less than the prescribed proportion.
(5) Being able to provide qualified guarantee.
(six) before the implementation of credit business, open a current deposit settlement account or bank card account in China Agricultural Bank, and be willing to accept the credit supervision and settlement supervision of China Agricultural Bank.
(7) Personal credit rating is above Grade A (general grade) (inclusive).
(eight) other conditions required by the handling bank. Note: The specific business type, handling process and handling conditions are subject to the relevant regulations of local branches.
The loan period for individual commercial vehicles shall not exceed 3 years at the longest, and the loan maturity date for passenger cars and trucks shall not exceed the expiration date of vehicle affiliation agreement at the longest. The loan shall be recovered upon maturity and shall not be extended. For specific business development, it is recommended to consult the local Agricultural Bank outlets nearby.
Second, how can I get a loan to buy a truck? What is the annual loan interest rate of 65438+ 10,000 yuan? each
At present, PBOC has announced the benchmark annual interest rate of loans: 0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%;
To calculate the monthly information for reference, please open the following link:/cmbwebpubinfo/cal _ loan _ per.aspx? Chnl=dkjsq tries to use the benchmark interest rate of the current loan to try monthly payment. (You can view information such as monthly payment, monthly principal, monthly interest, principal balance, total interest and total repayment).
Third, how to calculate the interest on truck loans and how to save money.
Trucks can bring a lot of economic profits to car owners, but when buying a car, many people may not be able to afford it because of its high price. So the loan will be issued at this time, and interest is a crucial factor. Next, let's take a look at how the interest on truck loans is calculated and other matters needing attention.
The interest on a truck loan is the same as that on an ordinary car. According to the different ways of car loan, there are roughly three kinds of interest rates or handling fees for truck loans: 1, bank loan interest, bank automobile mortgage, benchmark interest rates for three-year loans from different banks and loan interest for different maturities. The actual loan interest rate is usually higher than the benchmark interest rate, and the benchmark rises by 30% to 40%. For example, the interest on a three-year futures car loan of 654.38 million yuan is generally 654.38 million yuan, that is, 6 150 yuan. 2. Credit card fees If you use a credit card to buy a car in installments, there is no interest on the truck loan, but there will be installment fees (except for a few vehicles that are designated free of charge). General 12 installment total cost is above 10%. There are two payment methods for credit card installment fees: one-time payment and installment payment, and different banks have different credit card installment fees. 3. Other handling fees Some car loans need to be guaranteed. If it is guaranteed by a guarantee company, it is generally necessary to pay a certain deposit, which generally costs several thousand yuan. If you use real estate as a mortgage loan, there will be real estate assessment fees, mortgage registration fees and other fees. If the borrower repays the loan on time, the guarantee company can refund a certain amount of deposit as agreed. In addition, car loans and credit cards may also need to pay a certain agency fee to the dealer. So to sum up, the bank loan interest is the lowest when the truck is loaned. How to save money on truck loans 1 Choose the appropriate loan term. The longer the loan term, the higher the interest rate. In other words, even if the loan is repaid on the same day, the interest to be paid is different. 2. Choose a suitable lending institution. The interest rates of different banks and financial lending institutions are different. Before a truck loan, you must shop around and choose a low-interest bank that suits you in all aspects. 3. When signing the agreement, carefully consider the truck loan. When signing the agreement, you must keep a clear head and think twice.
Fourth, how to calculate the interest of the supply car?
Trucks can bring a lot of economic profits to car owners, but when buying a car, many people may not be able to afford it because of its high price. So the loan will be issued at this time, and interest is a crucial factor. Next, let's take a look at how the interest on truck loans is calculated and other matters needing attention.
The interest on truck loans is the same as that of ordinary cars. According to the different ways of car loan, there are three kinds of interest rates or handling fees for how to calculate the interest of freight car loan:
1, bank loan interest
The bank's benchmark interest rate in automobile mortgage for three years is 6. 15%, and the loan interest of different banks and different maturities is different. The actual loan interest rate is usually higher than the benchmark interest rate, and the benchmark rises by 30% to 40%. For example, the interest on a three-year futures car loan of 65,438+10,000 yuan is generally 65,438+10,000 yuan15%, which is 6 150 yuan.
2. Credit card fees
If you buy a car by installment with a credit card, there is no interest on the truck loan, but there will be an installment fee (except for a few vehicles that are designated as free of charge). General 12 installment total cost is above 10%. There are two payment methods for credit card installment fees: one-time payment and installment payment, and different banks have different credit card installment fees.
3. Other handling fees
Some car loans need to be secured. If it is guaranteed by a guarantee company, it is generally necessary to pay a certain deposit, which generally costs several thousand yuan. If you use real estate as a mortgage loan, there will be real estate assessment fees, mortgage registration fees and other fees. If the borrower repays the loan on time, the guarantee company can refund a certain amount of deposit as agreed.
In addition, car loans and credit cards may also need to pay a certain agency fee to the dealer. So to sum up, the bank loan interest is the lowest when the truck is loaned.