With the development of society, people's living standard improved, many people are living a rich, carefree well-off life, also by the status symbol is civilian, previously, only the wealthy bosses and entrepreneurs can afford to buy the car, and now people are tightening their belts or loan could have the! This is not just a social development credit, and banks to launch to various types of automobile consumption loan products!

Speaking of automobile consumption loans, many loan, people may be very headache of banks to limit car consumption loans threshold, the loan application data cumbersome, loan interest rates high. In fact, credit card can also be phased purchase a car, now I would like to introduce to you:

Credit card installment purchase a car is a kind of credit card business, the bank and the business: Chinese construction bank Longka installment purchase a car, Chinese bank Beijing only "car loan", "car purchase easy" China Merchants Bank, Minsheng Bank "purchase a car through the Bank of Ningbo" and "Loving Home Staging" business. This installment purchase a car business characteristics are mainly embodied in the consumers with a credit card, and credit card use time reaches a certain limit, you can try to apply for staging. The bank will credit culture according to the specific situation of credit card users. This credit card installment business can make banks special purchase a car installment service telephone counselling: such as area, models, to staging amount and period etc..

Maybe a lot of people will be plagued by the credit card enough to buy a car, which, given the car as a characteristic of a higher prices of consumer goods, bank or auto finance companies improve the corresponding stage lines, such as the Bank of Ningbo "the maximum amount of love Home Staging" business is50Million, China Merchants Bank, Minsheng Bank, even using the elastic credit system. Amount is insufficient, the bank will be according to the cardholders in apply for instalment purchase a car before the real estate, passbook, securities and other financial certificate and card and card to provide the credit. Or are in the process of stage time, carrying some personal property data, but also can improve the installment amount. For example, bank regulation: cardholders in installment purchase a car for when, need to carry my identity card, dragon card and real estate certificate or proof of work, is to improve the cardholder's credit limit. In addition, CCB, BOC and the livelihood of the number of installment and fees are all decided by working with the auto financing company, instalment purchase a car only China Merchants Bank and the Bank of Ningbo has a regulation, clear the issue number and the rate of them: the two banks of the number of installment is12,24,36Period, can move the commission rate than the Ningbo love Home Staging nearly one percentage point lower, therefore, hold the China Merchants Bank and the Bank of Ningbo credit card customers purchase a car choice stage business of the Bank of Ningbo is more cost-effective.

Said fee, will be referred to the bank's Dragon purchase a car business, the business has a variety of models are zero fee, such asFAW Mazda Summit12Period0Fee,Dongfeng Yueda·KIA designated model0Fee,Beijing modern designated model12Period0Fees and so on. But this business only dragon card (business card, student card, card and warranty card except) cardholders applications, which use range staging business shrink.

The silver car loan business is a kind of area of Beijing of be confined to cardholders use, number and fees, interest rates and other fees required by car dealers according to the model set, the bank does not participate in any opinion, the consumption amount shall not be included in the integral, and in all the car payments as yet, the car was a bank temporary distrain the vehicle license and other materials to mortgage forms.

Single for installment purchase a car business bank, to ease the financial pressure, increase the purchase budget, to enjoy life car. Choice of credit card installment purchase a car business can also enjoy free preferential interest, fees and integral feedback, avoid the cumbersome procedures, from the application to provide car needs only a very short period of time, the Bank of Ningbo does not even need any collateral.

That is to say, as long as you see cars and cars, can enjoy the preferential interest rate loans zero, you need to consider only the loan fees problem!

For example: if you have a piece of the Construction Bank credit card, you want to buy a car. Honda accord, the models of the fees in the first bill joint first repayment amount paid, the suggested price is18.18-33.98Million yuan, here according to the lowest price calculation, if you choose12Period, that is12Months to pay off loans, the rate is3%, then you need to pay the fee5454Yuan each, you need to pay for the principal15150Yuan, plus a one-time payment of the fee, you first need to pay the total20604Yuan can, and in the future11Months, you only need to pay the principal part. If you fancy cars is zero fee words, you only need to pay the principal can put the car "borrow" home! Similarly, the ICBC, Minsheng Bank to apply for instalment purchase a car, some models can also enjoy a zero fee concessions.

Although credit card installment purchase a car has a series of advantages, but the high fees as people choose this way out of the way, installment poundage some banks have loan interest rate higher than the price of several percentage points to some of the middle class the following and step back, and it is this high transaction rates raise the ability to loan purchase a car consumers worth.

Suggestion: the same models in different banks, Shoufu and number of installment, the rate is different, if you want to take the most preferential price purchase a car, consumers should carefully compared. Some of the preferential activity time constraints......

In general, credit card installment purchase a car business is a coin, when its strengths and weaknesses, shop on the eyes, how to choose a specific analysis to specific problems!

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