China Merchants Bank, Minsheng Bank credit card installment of VS's car is worth more

The use of credit card installment purchase a car to realize their dream of purchase a car people not in the minority, bank credit card installment business to dealer only, but the same models in different banks Shoufu and credit card number of installment, installment amount, the rate is different. Smart consumers can be the most affordable a selection from various bank products. The author of this for consumers to compare is the modern Beijing - Yue models in the China Merchants Bank and Minsheng Bank credit card installment status. The average consumer to the banks improve credit card installment amount, to confirm the purchase price models and dealers.

Product name: credit card installment purchase a car - Yue series models

Provide mechanism: China Merchants Bank, Minsheng Bank

Comparison of products:

For vehicle purchase easy - Beijing modern - Yue / Elantra / accent

The product is cooperative merchant discount, the cardholder staging costs, there are 12 instalments, China Merchants Bank personal credit situation of flexible adjustment credit limit, meet the demand of automobile installment. Moreover, the consumer application field for handling, simple procedures, enjoy travel one-stop service. automobile installment amount enjoy China Merchants Bank credit card points. In addition, 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. If the total amount of the repayment period stage is not divisible by the number, the system will automatically by four to five homes in and the amount of the resolution of each repayment amount, repayment amount will remain unchanged. The vehicle purchase price designated by the cardholder to store dealers in accordance with the normal process of direct negotiations to determine the purchase a car. (double free activities since April 1st)

Minsheng Bank to purchase a car through Beijing modern - Elantra / accent / Yue full range of models

Purchase a car through Beijing modern - Elantra / accent / Yue entire series vehicle type service installment amount interval: 30000 yuan -150000 yuan, the cardholder can in my stage within the amount of any automobile instalment amount. The cardholder automobile installment amount from my credit card use and credit status. product advantages: low commission rate: fully mitigate cardholders installment purchase a car costs; long repayment period: maximum 36 months installment, easy to have the fashionable car; ultrafast application process: the special handling, simple procedures provide VIP exclusive, for the service; value integral cumulative: automobile installment amount Chinese livelihood enjoy the bank credit card points accumulated; super quality assurance: brand car manufacturers to build; super excellent staging scheme: the status of personal credit in accordance with your elastic increase lines of credit, to fully meet your installment purchase a car. "Purchase a car pass" service provides 12 period, 24 period (month) (month) and phase 36 (months) the installment payment service. The fee amount = amount * stage fees, fees in the installment purchase a car after the first periodSingle. If the total amount of installment installment is not divisible by the number, the system will four to five homes in and the amount of repayment amount automatic resolution of each period, the total repayment amount will remain unchanged.

The loan object: holds investment bank and Minsheng Bank credit card customer

Installments installments contrast
1, China Merchants Bank car purchase easy to provide 12, 24 period, 12 period during the event free rate;

2, Minsheng Bank car purchase through can provide 12 period, 24 period, 36 period;

Loan amount:
1, China Merchants Bank car purchase easy installment amount in the range of 40000 -10 million;

2, Minsheng Bank car purchase Tong Yue series type of installment payment for a total amount of 30000 between -15 million;

    China Merchants Bank car purchase easy PK Minsheng Bank purchase a car
    1, the loan amount to compare
    From the payment amount, Minsheng Bank car purchase through to 30000 -15 million is better than China Merchants Bank car purchase easy.

2, from staging rate to compare
In the 12 phase to compare, are zero rates, but China Merchants Bank 24 fee rate of 7%, Minsheng Bank 24 fee rate of 5.99%, 36 for a period of 9.99%.

3, from loans Shoufu to compare
Minimum three China Merchants Bank, Minsheng Bank is a minimum of four.

Assuming the purchase a car stage number is 12, then the two banks of the credit card installment purchase a car is no fees, the difference is the selection of the Minsheng Bank car purchase, to pay 40% of car loans Shoufu, if the choice of China Merchants Bank car purchase easy, Shoufu to three.

Assuming the stage number is 24, then the optimal Minsheng Bank fees, only 5.99%, while China Merchants Bank to 7%. Applicants according to their own Shoufu may be spending money and to stage funds reasonable selection of credit card installment products.