Source: Guangxi News Network - Contemporary al Hayat

Noun explanation -- financial car loan

Auto loan (i.e. financial car loan) by consumers in the purchase of cars need loans, can apply for preferential payment directly to the automobile financial company, can be personalized according to their demand, choose different models and different methods of payment. Compared to the bank, the automobile finance is a new choice of purchase a car. At present, open business auto loan with FAW Volkswagen, Dongfeng, SAIC, Beijing Benz, Ford, Toyota auto manufacturersFinance company.

At present, China car city in the global scope to outshine others, Nanning car city car sales also like a raging fire. The hot car city to commercial banks, auto finance companies and car manufacturers can no longer hold, have reduced the car loan threshold: commercial banks take the initiative to reduce car loan conditions, flexible loans auto finance companies and car manufacturers jointly launched the low Shoufu low for months. According to the insiders, the current car city is ready to enter the off-season, car loans to lower the threshold, reducing the car into the home of the threshold, is conducive to the promotion of sales.

　　The banks to relax loan conditions

Doing business in Nanning Hunan nationality Ms. sun hits a phone to say, she bought a house in Nanning, the house is to buy loans, has not Nadaofangchanzheng, she now due to the work of urgent need to buy a car10Multi million cars. Don't know foreign accounts of consumers do not have what collateral, can apply for loans through banks? This "pioneer car" the reporter made a detailed understanding of the industry after the answer: Ms sun as long as the purchase contract and other asset proof documents, can be through a bank or finance company loan to buy a car, because it is outside, so the procedures may be a bit complicated, approval for a long term.

Responsible for the Guangxi electrical and mechanical company car loan business yellow Commissioner told reporters, including the Agricultural Bank, ICBC, Bank of China, China Construction Bank, China Everbright, commercial banks have launched the car loan business in Nanning, but before starting the car loan business, because of the risk of large, generally added many restrictions, such as the need of Nanning City, local identity certificate of residence booklet, the stable income and good credit, real estate as collateral. And the loan can only be used to purchase not less than5Million yuan of domestic car, need complex guarantee, and examination and approval procedures, procedures for trouble. However, the banks in order to gain more market, the lower the threshold of the loan to buy a car.

For example, commercial banks still need to minimum3% Shoufu, the longest5Years of the loan period, but the access conditions eased, car loans do not need to purchase a car makers Nanning accounts, as long as Guangxi hukou, need not mortgage, also do not need to be secured, only need to prove that you have a stable income or financial strength and good credit, loans to buy a car as collateral, you can directly handle. In the account outside the Nanning engaged in the work of the Guangxi consumers can also apply for loans to buy a car, but the Guarantee corporation or the Nanning's friends and relatives guarantee.

At the same time, the car loan business Commissioner also told reporters, before the bank only accepted5Million yuan of domestic car, now5Million of the vehicle can also apply for a car loan, but Shoufu will be increased4A loan extended, models are also made from imported cars to trucks, all models.

　　Financial car loans than banks Judai more relaxed

Reporter in the interview that, compared with the banks, automobile financial company's lower car loan threshold. Reporter recently visited the Nanning Toyota shop, shop in Nanning Mazda, Guangxi Hongtong and crown company and Guangxi Hong Ze, Shanghai Volkswagen Automobile sales shop at state stores, and banks can only Shoufu minimum3As compared with the minimum first, financial firms have to pay most of the low2Into. Among them, the minimum down like Fu beauty in Nanning Mazda store to pay only for vehicles1Million yuan.

Reporter found in Pak Sha Road Nanning for interview with the Toyota Corporation, the company has launched the bank car loan synchronization to carry out financial car loans, and more people choose to finance car loan. The company car loan officer Cao Hui told reporters, they launched a financial car loan not only without hukou restrictions, free mortgage Shoufu, but also for the month low, more flexible, more suitable for the need of capital turnover of consumers. For example, with banks Shoufu3Into5Compared with the years of the loan period single way, financial loans the minimum Shoufu2A, the tail section may apply for the longest48Month loan extension, multi product and selection. Such as the choice of Shoufu2A loan1Late payment6The product, also can choose to pay3A loan3Late payment3A car loan products, also can choose to pay3A loan2Late payment40%Products. It is understood, at present the company more people is Shoufu5A loan1Late payment5The product. The biggest advantage in this way a car is for the month low, because the loan period only need to pay the interest, to10Million yuan of the car through the way to buy a car, a year of interest per month is405Element.

　　The car loan threshold low Good car sales

Doing business in Nanning Mr. Liao could have all the money to buy a car, but eager to working capital and car, he finally through the loan to buy a car. Mr Liu said, because of low pressure owing on the loan for the month, almost do not feel. Reporter discovery, like Mr. Liao purchase a car number. And the personage inside course of study points out, at present car sales to enter the off-season, low threshold of the car loan is conducive to the promotion of off-season sales.

You'd better believe it. Last weekend, reporters at the White Sands Boulevard Nanning for Toyota shop interview, see a lot of people in the car to buy a car showroom. The relevant person in charge told reporters stores, many of them are directed at the financial car loans and to see the car. Mazda shop Luo Rijun told the reporters, they on the Familia launched Shoufu minimum1Million yuan car loan business at the same time, also launched Shoufu2Into the business, but many consumers still prefer to choose Shoufu1Million business. They want to limit10A quota, but consumer demand strong, they finally increase the purchase a car number. The reporters also learned, Guangxi Hongtong launched financial car loans, more and more people buy a car loan. Now the proportion of the company car for loan15%To20%. Geely Nanning up company in cooperation with the Bank of China car loan business, the main distribution of low-cost cars, to ease the car loan conditions, their company through loans to sell cars accounted for the total sales of20%To30%.