Loan to buy a car without interest, it is not a scam

Previously, aboutLoans to purchase a carBuy a house, the feeling is that the back loans "". However , now this year, just want to be slaves, also must have a look the opportunity. With higher interest rates, car loan interest also quietly rising, purchase a car costs so that we feel the pressure, but even more sad is, even if you could loan application is successful, you will not be able to get the money. How to change? The answer is actually the hand that piece of small credit card, the credit cardLoans to purchase a carBecome a new choice.

　　Credit cards can also loans

Mr Lee recently decided to buy a car, a bit difficult to suddenly come up with hundreds of thousands of feeling, also need the loan. But the bank staff suggestions, he can directly use the credit card loans.

At present, the industrial and commercial bank, construction bank, China Merchants Bank, industrial bank have launched or are in the pilot launch credit card loan purchase a car. It is understood, credit card loan purchase a car is different from general credit card installment, in accordance with the provisions of different banks, which is credit or vehicle mortgages. Credit card loans without interest, but by the time the charge.

Card loan purchase a car pay some fees by credit, in the transaction is the equivalent of a one-time payment of the whole purchase a car. To understand the Industrial Bank reporter, because in the course of the transaction through the credit card, the bank will not participate in the process of purchase a car, either purchase a car preferential or dealer gifts are entitled to. But according to credit card integration rules, credit card purchase a car and not all bank cards to purchase a car through the credit can obtain the corresponding integral.

Credit card installment purchase a car fast approval is also an advantage, some bank credit card loan purchase a car the fastest 40 minutes to complete, the longest not more than 3 days. At the time of approval, banks will be based on the Credit Cardholder's credit card, loan, some banks have local registered permanent residence or tax certificate, customers early repayment record will have a direct impact on the credit card to purchase a car.

　　Lower fees for the zero interest rate

Credit card loans not only from the collateral, unsecured, and interest rates typically below 7%. The cost of bank one-time deduction, calculation method is the rate multiplied by the amount of loans.

Although the use of credit card loans, but the same car loans, credit card purchase a car also need to pay Shoufu, Shoufu proportion of different banks, but according to the models, the amount and different stages of life, usually in the range of 30% ~ 40% , but this part of Shoufu not through the credit card out of the way, only pay cash or debit card.

According to the bank's new bank loans benchmark interest rate: 1 years 2 years 6.31%; 6.40%; 3 years period of 6.40% ; the car loan will be in the benchmark interest rate rise at least 10% to 20%, in addition to ordinary car loans to mortgage, guarantee, the total cost of 2.5% ~ 3%. Credit card loans not only avoid mortgage, unsecured, and the fee is usually below 7%. The cost of bank one-time deduction, calculation method is the rate multiplied by the amount of loans. The fee is normally determined by the duration of the loan and loan models, some models even waiving fees.

Although the procedures are relatively low cost, but comparatively speaking, credit card loans are very limited, banks provide staging the longest usually 36 period, this means that for ordinary white-collar, needs to bear certain repayment pressure, so according to their own ability to select the staging and owing on the loan. Because if it isLoans to purchase a carNot in time, still can have the credit blemish, affect your credit rating.