After the 3 into a down payment loans to purchase a car.

The 26 year old Zhou Jing was one of the first to enjoy the automobile credit of the owner, bought a comparative economic can enjoy credit Alto car. At that time the installment purchase a car person, always enjoy people surprised eyes. Originally the very normal matter, then to do is unusual, not only the car's economic situation, but also very test the patience of parties. The car credit waited more than half a month." Zhou Jing recalls, in 2006 when the automobile credit also is very strict, dealers are also not past the "enthusiastic", he had to follow the procedures to do step by step slowly. "When a car loan need ID card, residence booklet, proof of income, proof of real estate, housing that almost six proof. Through dealers, banks, insurance companies, departments, in foreign countries for several hours to run business, need at least a few days or even longer time at home.

And after 3 years, the cause has a little improvement, and is planning to marry Zhou Jing and her boyfriend, want to change a new car as a wedding anniversary, but in order to buy a house do wedding wine has been emptied their pockets, Zhou Jing once again played the installment of the idea of buying a car, discuss and her boyfriend a feasibility decision a car, "two people like a madman was so excited. First, every Internet search information, screening the bank cooperation brand. Our family is not rich, so I can only see about one hundred thousand, Shoufu 40000, the remaining instalments, two years to pay off, a month to 2500 yuan, within our reach, so to look at." The newly married Zhou Jing in front of his inner secret reporter and happiness.

A good check information, Zhou Jing and boyfriend access to every 4S shop. Beijing modern, Dongfeng Peugeot, Dongfeng Citroen, Guangzhou Honda, FAW Volkswagen, Changan Suzuki, Shanghai Volkswagen Skoda, even high-end brand Volvo has seen it all, many models have 12 and 18 stage zero fee, zero interest activities.

"We linger in the crystalline two cars and the Citroen C21.6L. Because of their fee concessions, can save several thousands. Finally, considering the monthly repayment, the husband decided to buy 18 zero fee Citroen C21.6L." The two time Zhou Jing car loans experience lets her ways of installment payment buy what kind of benefits and their advantages and disadvantages have been well known.

Bank car loan rates high but the repayment pressure is relatively small

At present, many banks offer car loans, however, as the car loan risks, banks will be the implementation of the benchmark lending rate is floating interest rate.

Shenzhen Development Bank is responsible for a car loan business staff told reporters, as long as people are buying cars, family cars, can apply for a car loan. However, lenders must be civil servants, university teacher or 500 strong enterprises staff etc.. Generally credited to 70%, the maximum loan to 1500000 yuan. The longest period of 5 years.

"Because the auto loan risk is relatively large, and only need to use the car as collateral, and the car has been devalued, so the interest rate, we can only implement the benchmark interest rate or appropriate broke surface." Shenzhen Development Bank auto loan business department staff on the financial weekly newspaper reporter explained, according to the people's Bank of China announced the loan interest rate, the benchmark interest rate 1 of the original 3 years to 7.56 relaxation, 3 of the original 5 year benchmark interest rate to 7.74 relaxation. The bank will decide how much interest rate broke surface according to the different situations of customers.

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