Methods

Advantage

Inferiority

Bank

1,Low interest rates

2, according to the customer's credit quality, will reduce the proportion of down payment, the loan period long, the loan interest rate to float preferential

1, the application procedures cumbersome, and time to one month.

2, Shoufu 40%, relatively high.

3, generally 3 years, not more than 5 years.

4, Guarantee corporation need to guarantee, or effective pledge.

5, the field of household registration is not good for

6, to pay other costs, such as the guarantee fee, a fee, attorney's fees, mortgage fees, mortgage registration fees, home visits, the insurance deposit amount is generally about 5% of the loan amount.

The car

Finance

Mechanism

1, the loan is flexible, simple, more professional and humanistic: for example: elastic credit.

2, pay attention to personal credit purchase a car makers, education, income, work is the reference standard.

3, the first payment to 20% -- 30%.

4, do not need to pledge, not the registered permanent residence and Real Estate Limited

1, the automobile financial company loan interest rate is high, the high bank about 3% over the same period, 5 year interest rates have close to 9%.

2, the need for early repayment default payment. The equivalent of early repayment penalty of 3%.

3, the loan period of not more than 5 years.

Financing

Lease

1, the loan interest is calculated according to the benchmark lending rate.

2, zero Shoufu, licensing, purchase tax, insurance, car decoration and other expenses also can instalment.

3, the pressure reduced, for the month was significantly reduced.

4, payment age limit is 10 years.

5, do not limit register

1, no preferential interest rates.

2, the total cost will be more than the bank car loan high.