China Merchants Bank credit card "car purchase" purchase a car guide 4

Four, the business rules
1, car purchase business stage total range of 30000 yuan -200000 yuan (based on different models, different installment amount range, details can be consulting 4008855855 or local distributors), the cardholder can in my stage lines (to call 4008855855 queries) of arbitrary choice stage total amount (must be an integer multiple of 5000), the amount from my credit card, credit status and credit card usage decision

2, purchase a car Shoufu lowest price to purchase a car 30% (based on different models, Shoufu ratio will be different, details can be consulting 4008855855), and the first payment for non China Merchants Bank credit card payment payment. 　
3, car purchase easy service provides 12 period, 24 period (month) (month) the installment payment service. The 12 period (month) payment of fee rate of 3.5%, 24 period (month) payment of fee rate of 7%, the total amount of the fee total amount x = staging fees (fees included in the installment purchase a car after the first stage of the bill). 　
4, involved in car purchase business must cover three categories: 1, pilfer (car full insurance); 2, third party liability insurance (less than 200000); 3, car damage insurance (insurance amount * 80%>= staging amount), and the insurance period can not be less than the number of installment. 　
5, insurance first beneficiary of China Merchants Bank Credit Card Center Limited by Share Ltd, when the insurance amount of not more than 5000 yuan, the insurance company can compensate the cardholder, do not need to China Merchants Bank authorization. 　
6, if the total amount of staging is not divisible by the number of repayment period, our system will automatically by four to five homes in and the amount of the resolution of each repayment amount, repayment amount will remain unchanged.
7, vehicle specific purchase price designated by the cardholder to store dealers in accordance with the normal process of direct negotiations to determine the purchase a car.
8, authorized distributor for detailed information please call China Merchants Bank car purchase easy service hotline: 4008855855

Five, Q/A
1, Q: move the car purchase easy advantage in where?
A advantage: ultrafast audit aging
The cardholder site for car purchase business, our background real-time audit application results.
B two: ultra low commission rate
Cooperative merchant discount, the cardholder stage cost.
C three advantages: simple application process
If the cardholder is China Merchants Bank Credit truck purchase easy to invite customers, only need to provide ID card, my credit card can apply for. (whether for car purchase easy logic customers can call 4008855855 queries.)

2, Q: for car purchase easy to pay interest?
A: I is the introduction of interest free loans, do not need to pay additional interest.
3, Q: for car purchase easy to pay fees?
A: for the standard rate is 12 period (month) service fee is 3.5%; 24 period (month) service fee is 7% in two ways. I will not hold regular fee free activities, please consult the specific rate of 4008855855

4, Q: why the payment required to pay an additional fee? How to collect fees?
A: bank to provide you with the installment payment services with the cost of capital and operating costs, the merchants and manufacturers also provide you with a different from other banks are the most comprehensive and quality services. The fee will be reflected in your installment purchase a car after the first stage of the bill.

5, Q: my car purchase what is easy loans?
A: car purchase easy loan amount from the system according to the credit status and credit cardholders my card usage and setting, and dynamic changes, suggested the cardholder for car purchase business day query results shall prevail. The general line of credit in the 30000200000 between (based on different models, different installment amount range). The cardholder to call 4008855855 for his loan amount available.

6, Q: for car purchase easy to Shoufu? Shoufu how much?
A: Shoufu ratio of not less than 40% of the price you purchase a car (amount shall not be less than 30%, details can be consulting 4008855855), and the first payment for non China Merchants Bank credit card payment. For each different car repayment period, repayment of principal amount of each issue is fixed. According to the automobile market price, down payment amount = price X - amount of each repayment repayment periods.

In 7, Q: stage total amount cannot be do the repayment period number divisible?

If the total amount of A: staging can not be divisible by the number of stages, our system will automatically by four to five homes in and the amount of the resolution of each repayment amount, repayment amount will remain unchanged.

8, Q: the use of vehicle purchase can buy what brand of car?
A: please refer to the website "cooperation model" column or advisory 4008855855. With the development of business will provide you with more brands and styles of choice.

9, Q: the use of vehicle purchase to purchase a car, price can be discuss?
A: vehicle specific purchase price designated by the cardholder to store dealers in accordance with the normal process of direct negotiations to determine the purchase a car.

10, Q: used car purchase to buy vehicle, whether independently on the card or for auto insurance?
A: can't. By our bank business staff and distributors for you.

11, Q: need to sign a mortgage registration procedures?
A: because you through my vehicle purchase easy loans to buy cars, before you all outstanding loan amount, need car mortgaged to the bank.

12, Q: how to sign a mortgage registration?
A: by our bank business personnel responsible for you.

13, after the car purchase easy: I pay the amount, how to handle the mortgage procedures?
A: if you have repaid me driving purchase easy all money, I can call the vehicle purchase easy service hotline 4008855855 for mortgage procedures. I trade associations to lift mortgage procedures, and help you produce the repayment certificate of change of beneficiary.

14, Q: the use of installment, I can enjoy the same treatment of customers and cash payment?
A: payment is a payment, you can enjoy the product prices and discounts and other customers.

15,Q: the use of installment after return need to return the funds of the bank, the bank should be returned to the appropriate fee?
A: Yes, the bank will be in accordance with the standard fee rate of return the corresponding fees.

16,Q: the use of installment if return, how long will it take to return to a credit card?
A:2 week

17, Q: the use of car purchase easy also enjoy consumption points?
A: Yes, to use automobile installment enjoy the same consumption points, calculated according to the monthly amount of monthly total accounted for.

18, Q: how to query information bank designated dealers?
A: Specifies the dealer detailed information please call I vehicle purchase easy service hotline 4008 - 855 - 855 the query.

Six China Merchants Bank purchase a car process

Finally, to give you an example, if consumers choose to buy the new fit in 12 stages, then he (she) needs first to 4S shop select appropriate models, and then to produce their identity cards, to the store staff card and proof of work. Distributor shall be responsible for submitting documents to the issuing bank, China Merchants Bank after the fastest hours backstage approval confirm loan. Pay the first payment of consumers, and credit card payment installment payment to mention cars. If the consumer to buy a car is a guide price is 104200 yuan 1.5MT Deluxe Edition, if dealers preferential 2000 yuan. The actual purchase price of 102200 yuan. Then he (she) required to pay the money to purchase a car:
Payment: 40880 yuan (around 40%)
Fees: 2146.2 yuan (stage 3.5% of the amount)
For months: 12, each 5110 yuan The first month payment = fee + for =2146.2+5110=7256.2
Carry a car, consumers must sign the agreement with China Merchants Bank, will buy vehicles mortgaged to the bank, to repay all the 12 installment of paragraph after the release of mortgage.