The Hongkong market is unable to meet the development ambitions Island banking institutions in the domestic financial market, great strides forward, to HSBC, East Asia as the representative of the Hong Kong bank to enter into the domestic market. Combined with the mainland market, become the inevitable factors, personal automobile consumption loan bank of East Asia's rise today, the business has become one of the business in the mainland. The Bank of East Asia, easy credit Chinese hereby explain the product, make fair, objective evaluation on its growth.

Click free applicationPersonal auto loan

[introduction]

Use:For automobile consumption loans personal.

The main application conditions:At the age of 20-55 though, time for a monthly income of 5000 yuan, in East Asia recognized office units (units or registered capital of more than 30000000 enterprises) became the official staff of not less than 1 years, to own property in the loan.

Business city:Shanghai, Beijing, Dalian, Shenyang, Xi'an, Chongqing, Tianjin, Huizhou, Shenzhen, Hefei, Beijing, Guangzhou, Chengdu, Urumqi, Qingdao, Hangzhou, Wuhan, Nanjing.

The amount of the loan:The highest price of 7 to purchase a car.

The term of the loan:The longest up to 5 years.

Interest rates:A period of 5 years as the benchmark interest rate, 5 years for the benchmark interest rate broke surface 10-20%.

Method of repayment:Matching service, matching principal, biweekly for.

Easy credit Chinese [comments]

From the characteristics of the Bank of East Asia, it is not difficult to detect subtle to the extreme of Hong Kong style, just two or three years of business development, let the Bank of East Asia's personal automobile consumption loans become the hottest car loan products, Bank of East Asia's outlets in the rapid expansion, personal car consumption loans with the constant breakthroughs in our fast approaching people living in.Click apply to automobile consumption loans

The analysis of personal automobile consumption loans advantages in East Asia bank details

-- regardless of Chinese foreigner, can enjoy.

East Asian personal automobile consumption loans to the applicant's nationality is very open, people can not help but think of Hongkong all rivers run into sea inclusive. The Bank of East Asia personnel introduces, whether domestic or foreign citizens, fellow in residence for more than one year, the Hong Kong and Macao, all can apply for the business. This point enough to see the vision, strategy, due to the rapid development China economy, to domestic work, learning foreign people is gradually increasing, their demand for the car the same strong.

-- eighteen City occupy the mainstream market, car city.

One of the magic weapon for the banking market is widely distributed network, the Bank of East Asia in this regard is also positive and prudent, its extensive operations in large and medium-sized city, and then the personal automobile consumption loan transplantation to new outlets in the city. A second tier city, car loan market has a gradual awakening of the car loan demand, this point, East Asia has been noted that, in 2009, it is by this having foresight, East Asia has made the car loan business breakthrough in more than one city.

-- washed off business cooperation limited, any brand of any type can apply for.

The current mainstream car loan products, and automotive manufacturers, distributors linked to become a common model, to a certain extent limits the freedom of choice of the borrower. The Bank of East Asia is liberated from this model, the borrower can free choice models, but in the eyes of easy credit Chinese, it also will become the mainstream mode of our country car loan business in the future.

-- establish price with time and limit for the borrower, decompression.

A maximum of five years, the highest purchase a car 70% lines, flexible repayment, the Bank of East Asia to build personal auto loan "relief valve", it is understood, at present the mainstream life car consumption loans for 1 - 3 years. To 100000 yuan, the loan period of five years, the benchmark interest rate, the monthly repayment amount is less than 2000 yuan; while the three year monthly repayment will exceed 3000 yuan, is a not small challenge for many families.

The analysis of the Bank of East Asia, personal automobile consumption loan limitation

There are both advantages and disadvantages, the Bank of East Asia business is still not perfect, but it does so while allowing some wanted to come to apply for the borrower pass to him.

First, the higher requirement on the borrower's income, industry. While in Beijing, Shanghai and other central city, 5000 yuan a month to be not at all surprising, but a lot of development of the second tier city, and inland first-tier cities, salary gap. But only recognized institutions and large enterprises, while ensuring high quality customers coming, but will be more shut sb. needs of people.

Second, the long time of loan approval, positive difference. As in the domestic share of foreign banks is still small, less liquidity of Bank of East Asia, deposits do not have significant advantages, the total loan amount can not achieve breakthrough, from its "come in easy out difficult", we can clearly see the amount of loans cautious matching co..

Third, for the purchase of compulsory insurance, restricting lenders choose insurance free. Because each person for the insurance demand is not a very difficult, through coercive means that lenders convinced. At present, cross strong insurance, third party liability insurance, non deductible liability insurance is the basic insurance purchase, and purchase a car pilfer rush to deal with an emergency, in many people it seems not essential, it deviates from the basic intention of consumers.

Conclusion: East Asia at the same time in the military, also in the continuous improvement of the shortcomings of individual automobile consumer loans, while it gallantly mergers and stock respectfully to buy a plan, will be in the domestic two off lay a more solid foundation of capital car loan business.