Vehicle purchase tax reduction promotion, and may reduce, greatly stimulated the enthusiasm of citizens to buy a car. Banks, car dealers to seize the opportunity to vigorously expand the car loan business. For a time, car loans, credit card to buy a car, "low pay zero interest rate" to purchase a car people see things in a blur. Now purchase a car loan channels including banks, auto finance companies, small loan companies, so what kind of loans the most effective?

　 Auto loan business because of high profit and low risk, the insurance company Judaixian been stopped after the slump, many banks closed the business. However, once the market downturn and the car city hot, since the2008To many banks again to vigorously expand the car loan business, and continuously reduce the loan threshold at.

Recently, China Securities News reporter from the deep development, Ping An Bank, bank, China Merchants Bank China, construction bank and other banks to understand, if for a car loan by bank, have a variety of products to choose from, roughly divided into the following categories: traditional car loan business, choose "direct style" business customers to the bank after the first loan to buy a car; for "- type" business customers to choose the car, and then by car dealer to apply for loans. Credit card installment business, China Merchants Bank, China Construction Bank has carried out. This kind of low threshold but only in designated car business cooperation. Consumer loan business, as long as the real estate collateral in the bank, you can get a loan with a loan to buy a car, can be used to. Credit loan business, to carry out the major at Standard Chartered, Citigroup and other foreign banks, as long as there is a stable job for wage earners, to get a loan for consumption.

In the bank's "passion", car dealers have also increased efforts to promote auto loans. In addition to professional automobile financial company's original, some car dealers also cooperate with many banks. Such as FAW Volkswagen launched the "financial" engine derivative service platform, launched"0Interest rate loan scheme "," Dr. vehicle purchase easy "," Minsheng Bank purchase a car through "business.

The car loan products each have advantages and disadvantages: Overall, currently on the market for auto loans are mainly bank car loans, credit card installment, auto finance company loan. The choice of what kind of loans the most effective? If the loan interest rate, credit card installment has bigger advantage. Dongfeng Nissan sales personnel told reporters, they and the CCB launched the business. Based on a case body, Tiida, vehicle purchase tax and insurance fee for13.5781Million, about 70% loan8Million yuan. As long as the bank to apply for credit cards, can be divided into one or two years instalments, the monthly payment of principal to the corresponding. Although pay no interest, but if the loan two years to charge a one-time loan amount9.5%As a fee. And the bank for a car loan generally in the benchmark interest rate to implement, is down by credit card is cheaper.

However, credit card installment and the specified vehicle manufacturers, and the loan period of up to more than two years. The bank car loan can not limit models does not limit the car business, general loan period1To3Years, pay for a minimum of three. If customers such as civil servants, Shoufu ratio can be reduced to two, the longest period of the loan can be reached5Years.

In contrast, the automobile financial company loan threshold is lowest, but the highest interest rates, even more than the bank loan interest rate is high at two into. In general, whether it is for credit card or bank loans, need deep households housing, and has certain requirements of the purchase area, otherwise very difficult to pass. But the automobile financial company loan, just need to find a deep deep households who can guarantee the credibility. And the loan period can be up to five years.

Bank financing to remind people to purchase a car, should be considered in the application of car loan, in addition to considering the loan interest rates, down payment and other factors, also should compare the loan period, fees, early repayment Shouquweiyaojin etc..

Bank car loan credit card payment(Take construction bank as an example)Auto finance company loan(In the general case)Consumer credit loans, the loan threshold is the best local accounts and real estate. If there is no account you will need to provide the house property certificate or the loan contract, and requires three years of living in the local. Otherwise the need for the security procedures. Require local real estate, according to the loan amount is also on the property area requirements. If there is no local accounts, real estate, need to meet the conditions of the people to make credit guarantee. Need to complete the real estate property card as collateral, if the house is still the loan is "with" can not exceed the amount of existing lines. As long as the22To60Years old, have a stable job and income3000Yuan, can apply for a loan.

Loan interest rates Shoufu minimum net price three, the loan period1To3Years, the people's bank lending rates for the benchmark interest rate5.4%. Pay for a minimum of three, loan period1To2Years. Do not charge interest, but to charge a one-time fee. In Dongfeng Nissan Tiida car as an example, the loan1The collection5%, loan2The collection9.5%. Pay for a minimum of three, loan period1To5Years, the calculation of interest according to different period of the loan and credit. With loan12.5Million yuan, the loan period5Years, for the month2680Element. Pay for a minimum of three, the minimum lending rate for the benchmark interest rate, according to the customer situation appropriate broke surface, the loan period of not more than5Years. According to the monthly income of different lending quotas determined, the lowest8000Yuan, the highest30Million yuan. The implementation of fixed interest rates, according to the loan amount, term interest rates in different years7.9%To9.9%Between.

Lending rate of customer delivery of the deposit to handle. Determine the loan for the licensing procedures, the vehicle registration of collateral loan. Approval credit cards generally need 10 working days. To know the result of the examination of three working days, the formalities about15Working days. About a month. The fastest4Working days.

The characteristics of the higher threshold procedures more cumbersome, but not by car, car dealers limited. A higher threshold of low interest, by car manufacturers to limit. The lower threshold higher interest, by car manufacturers to limit. A higher threshold for loan amount is high, not by car manufacturers to limit. The lower threshold lending speed, without models, car dealers, but the loan interest rate is high and the amount is not high.