As we all know, banks can handle car loans, but you certainly don't know the whole process of self-service car loans, do you? The car e-loan of CCB is one of the fast loan products of CCB, and it is a full-process online self-help pure credit car loan. So, is this car e-loan good? I heard that it is still zero interest! Introduce it to everyone!
Application conditions
1, the age requirement is 22 (inclusive) -60 years old (inclusive)
2. The credit status is good, there are no overdue debts at present, and there are no bad information such as overdue personal credit information.
3 Chinese mainland residents (excluding Hong Kong, Macao and Taiwan)
4. Customers who hold CCB personal financial assets (including deposits and wealth management products) or have outstanding CCB personal housing loans.
Loan amount: 1, 000-500,000 yuan.
Loan term: 12 months or 36 months.
Annual loan interest rate: subject to the actual execution interest rate at the time of handling. Generally speaking, the loan interest rate will not be very high. To buy a Dongfeng Peugeot, you need to apply for a loan with preferential annual interest rate when the e-loan of CCB Auto expires: online loan for car selection and offline credit card for car pickup. After the loan application is successful, you can choose the intended vehicle online, click "Reservation" to make an offline loan payment with the car dealer and pick up the car. Cooperative automobile brands include: Dongfeng Peugeot, Mao Yi Auto Network, etc.
Zero interest on loans?
In some car loan activities of CCB, there are advertisements with zero interest, sometimes even zero handling fee. You can't say that other people's cars are fake, but according to the routine, there are preconditions. For example, there are restrictions on the type of car purchase, and the car purchase price can no longer enjoy other concessions. Another possibility is that vehicle insurance may also be subject to designated insurance products and institutions.
Construction Bank Longka Credit Card Loan Car Purchase Process
It is better to buy a car in full by stages! There are many interest-free and fee-free activities for CCB credit cards this year. For car owners, you can choose CCB credit card to handle it in installments. The process is very convenient, as follows.
Car purchase process:
1. The customer first selects the car at the dealer and tests it, and negotiates with the dealer to determine the purchase price;
2. Show your credit card and ID card, and fill in the installment payment application form;
3. The distributor submits the customer application materials to CCB;
4. After the application is approved, the customer pays the down payment at the dealer and goes through the relevant formalities;
5. After receiving the dealer's notice to pick up the car, pay the final payment with a credit card and pick up the car;
6. Repay in monthly installments through Longka Credit Card.
How to handle the car loan of CCB
CCB's auto loan application materials: (1) Personal loan application; (2) Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided; (3) proof of household registration or long-term residence; (4) personal income certificate, family income or property certificate when necessary; (5) Certificate of intention to buy a car issued by the automobile dealer; (6) proof of down payment for car purchase; (7) If the purchased vehicle is secured by other means other than mortgage, relevant materials for the guarantee shall be provided; (8) If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the affiliation agreement and lease agreement for the vehicle to be affiliated with the transportation fleet. Specific process: 1, CCB auto loan processing process: customer application: customers apply to the bank, fill in the application form in writing, and submit relevant materials at the same time; Signing a contract: after the application materials submitted by the borrower are reviewed and approved by the bank, both parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate; Lending: after all formalities are completed, the bank will directly transfer the loan to the car dealer's account by transfer according to the contract; Repayment on schedule: the borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract; Loan settlement: loan settlement includes normal settlement and early settlement. (1) Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment); (2) Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, it must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval. After the loan is settled, the borrower will take back the legal documents and relevant supporting documents kept by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate. Second, the mortgage process of auto loan, buying a car from a qualified dealer who cooperates with the bank and signing a car purchase contract. In the contract, you should indicate the car price, taxes and fees, the payment method of insurance premium and the proportion of the remaining mortgage. You can't ask the dealer to write a general sentence about the price of the vehicle in the price. Fill in the loan application form at the dealer (or bank), and pay attention to the loan amount and term. , bring relevant documents (usually ID card, marriage certificate, income certificate, driver's license-it can be someone else's, driving license, vehicle registration certificate) and your spouse (if any) to the bank and the dealer to sign the loan contract, chattel mortgage list and other related documents at the bank (banks generally require face-to-face signing to prevent fraud, you'd better go), and then check the loan amount with the bank staff. And calculate each mortgage payment and performance guarantee insurance according to the loan amount (this insurance calculation method is% of the total monthly mortgage loan and loan year). This insurance can be partially returned after you repay the loan in advance (friends who repay the loan in advance don't forget to ask for it, and the general bank will issue a certificate for you to get it from the designated insurance company). Note here: if you are more careful, you can ask the bank staff to write down the loan amount on the contract before signing it; If you have time, you can wait for the bank staff to write all the contracts and check them correctly before signing them, but you may have to go to the bank several times. This contract cannot be changed. Once revised, you can ask for a new one. Get on the bus and go to the vehicle management office with the dealer to register the vehicle mortgage. Of course, you should bring all the relevant information, but you don't have to worry at this time. Banks and dealers will usually prepare for you, such as contracts, mortgage lists, vehicle engine numbers and frame numbers, vehicle registration certificates, etc. After handling, the vehicle management office will print your mortgage amount and the receiving bank on the vehicle registration certificate. There is no need to go to the bank again, but the dealer can do the following procedures. Let him take the original or copy of the vehicle registration certificate to the bank, and the bank will transfer the corresponding money to the dealer account or your account according to the contract, and then automatically transfer it to the dealer account. Deposit the mortgage amount in full into the designated account before the monthly repayment date agreed in the contract (the general bank will ask you to open a credit card account without overdraft, which is convenient for you to deposit and facilitate his deduction), and there will be a penalty period for the extension. If the payment is delayed, you should inform the bank to deduct it in time after payment, otherwise the bank may deduct it again in the next period, so your penalty interest will increase. Note that if the payment is delayed, you should pay more than usual, so that the bank can deduct the full amount, and the bank will not deduct the less. If you lose your credit card or forget that account, you should go to the bank to reapply in time and tell them your latest credit card or account number so that they can modify the computer information in time, otherwise the bank may delay processing and impose a penalty interest. If you claim compensation from the insurance company after the accident, the insurance company will ask you to go to the bank to open a certificate of your repayment credit. If you repay the loan on time, the insurance company will pay you the premium in full. If you don't repay the loan in time, the insurance company will pay the compensation to the bank to offset the mortgage, and the bank will certainly not issue a certificate for you. So you are concerned about your repayment credit. 1. After all the loans are paid off, ask the bank for relevant certificates and bring the vehicle registration certificate to the vehicle management office for cancellation of vehicle mortgage. You can take the car as your own. If the loan is repaid in advance, part of the performance insurance premium may be refunded, and there may also be vehicle insurance premium received by the insurance company in advance in the following year. 2. Please pay attention to the loan term and determine it reasonably according to your repayment ability. Don't think that the longer the time, the lighter the monthly repayment burden, because banks generally require mortgage vehicles to be insured. The higher the accumulated premium, the higher the loan interest and performance premium. In general, a good driver may not need so much insurance. You can calculate this account well!
How to apply for an interest-free car loan from CCB?
How does CCB apply for a car loan? As a kind of loan issued by automobile bank, it is the product of residential loan, second only to mortgage loan.
Faced with such an important product, the application conditions for the establishment of CCB will naturally not be very simple.
At present, the conditions for applying for CCB car loan are: at least 18 years old, under 60 years old, with full civil capacity as stipulated by law; 2. Have the ability to pay the basic down payment (20% for self-use vehicles and 30% for commercial vehicles) and provide proof of down payment; 3. Buying a car can pay off the loan within 5 years, and buying a commercial vehicle can pay off the loan within 3 years; 4. In addition to paying loan interest, it can also provide vehicle mortgage, loan guarantee, performance guarantee insurance, etc.
According to needs; 5. Certificate of intention to buy a car issued by the car dealer; 6. For friends who buy commercial vehicles, they also need to provide proof of car purchase for legal purposes; 7. Personal credit is good and there is no record of non-performing loans in the past five years.
It is not difficult to see from the above application conditions that there are many conditions to apply for CCB car loan.
However, this is not difficult for most people to achieve.
In order to ensure that everyone can get a car loan smoothly, I suggest you go to the local CCB to learn about the latest car loan policy of CCB.
How much is the handling fee for buying an interest-free loan? It is more favorable to buy a car with an interest-free loan.
Everyone is familiar with car loans, but after CCB bought a car with zero down payment and interest-free loans, everyone began to get impatient. Many friends want to apply, because it is more comfortable to buy a car without interest pressure, but interest-free loans also require car loan fees. So how much is the handling fee for CCB to buy a car with an interest-free loan? What are the modes for CCB to buy interest-free loans?
I. Conditions for CCB to buy a car with an interest-free loan
1, a natural person with full capacity for civil conduct
2. Have a local permanent residence or valid residence status and a fixed detailed address.
3. Have a proper occupation and a stable and reliable source of income.
4. Holding the agreement or contract signed with the dealer designated by the lender for the purchase of designated brand cars.
5. To provide mortgage or pledge with the property recognized by the lender, the guarantor shall be an individual or unit recognized by the lender with compensatory ability and joint liability.
6. If the buyer is a husband and wife or a family member, they must apply together.
Two, CCB car interest-free loan model
Hyundai Honda, Dongfeng Honda, Da Yue Kia, Geely, FAW Mazda and FAW-Volkswagen Audi.
3. What is the handling fee for the interest-free loan of CCB?
The handling fee for CCB's interest-free loan to buy a car is based on a car with a total price of10.2 million, and the down payment is 40%, that is, the maximum loan amount is 72,000 yuan. Generally, according to bank regulations, the down payment is 50,000, and the total installment amount is 70,000. According to 12 installment payment, the monthly repayment is 70,000 yuan/12 = 5,833 yuan, and the handling fee is 70,000 yuan. If the car loan is interest-free, the total cost of car purchase is 122450 yuan.
If you choose a one-year automobile consumption loan, the total cost is 70,000 yuan plus loan interest, then the total cost of buying a car is125,229 yuan. It is not difficult to see that it is more affordable to buy a car with an interest-free loan.
The above is an introduction to the handling fee of interest-free loan for car purchase. I hope I can help you.
Which cars of China Construction Bank have interest-free loans?
If the credit card of CCB is used for installment, the following models are Mazda, Dongfeng Da Yue, Beijing Hyundai, Guangqi Honda and Skoda with 0 handling fee and 0 interest rate.
The interest-free loan of CCB to buy a car is a "direct loan for car", that is, the buyer first borrows from CCB and then goes to the dealer to buy a car.
The characteristic of this business is that it does not occupy the credit card itself, and the bank will give another special installment quota for use, but this money is earmarked and can only be used by designated cooperative merchants.
In terms of fees, the bank will not charge interest as long as the bill is paid in full and on time. As for the installment fee, it depends on the actual handling situation, and some have no installment fee. In terms of the number of issues, the shortest is 12 and the longest is 36.
Extended data:
China Construction Bank has an interest-free loan line, but the borrower can only handle it after meeting 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 provided to college students.
The interest-free loan fee for buying a car is 3.5%. Take a car with a total price of 6.5438+0.2 million as an example. A down payment of 40% means the maximum loan amount is 72,000 yuan. Generally, according to bank regulations, the down payment is 50,000 yuan, and the total installment amount is 70,000 yuan. According to 12, the monthly repayment is 70,000 yuan/12 = 5,833 yuan, and the handling fee is 700,003.5% = 2,450 yuan. If the car loan is interest-free, the total cost of car purchase is 122450 yuan.