Which car loan to buy a car is best? Now known as credit card and auto loan is the choice of mode more car consumers, whether in the application threshold or loan interest, there are differences between the two, so also cannot lump together.
The most significant advantage is that the loan interest rate loan credit truck.A local bank credit card as an example, the truck loan credit bank charges, 24 months installment poundage 4.8%, equivalent to just 2.4% a year, 36 months installment poundage 5.4%, equivalent to just 1.8% a year, half the price than the traditional bank car loan interest rates!
But, at present, consumers have a common credit card can apply for, models also cross brand choice surface is broad, such as China Merchants Bank, ICBC, CCB, the bank, Huaxia Bank, people can purchase a car stage, but the policy is not the same, consumers need to understand with body.
For example, some banks Shoufu threshold higher, at least 30% of the Shoufu after the car to stage, while some banks do not set the threshold Shoufu loan terms; only some of the banks, the longest 2 years, others will loan for 3 years, but generally don't like the automobile financial company that appear as long as 5 years of.
Automobile consumption loans and the current auto Financial Services Company launched, biggest advantage is convenience and low threshold, some of the product itself is also very attractive.Auto Financial Services Company are generally create investment by an automobile company, such as Dongfeng Nissan auto finance company, the investor is Nissan and Dongfeng Group, specializes in models of Dongfeng Nissan and its credit services, consumer purchase Nissan series models the most convenient credit is by way of Dongfeng Nissan auto finance company, and its "convenient" not only reflected in the 4S shop can apply directly, but also its not on the registered permanent residence and real estate hard conditions, and this is the automobile financial company compared to bank car loan channels such as one of the most significant advantages.
Consumers only need to provide proof of income and other credit reference can be convenient for the fastest, with only a few days, but Shoufu low to 2, the loan period can be as long as 5 years.At present, Dongfeng Nissan and other auto finance company also launched 0 interest 0 months for the preferential car loans, Shoufu 50% car, after 12 months off the remaining amount will be, no credit truck - high fees commonly, also need not high interest payment bank car loan, no more traditional car loans for the pressure, this is called "5050" car loan business by consumers, become Dongfeng Nissan auto finance Professional Company such as killer products.
Just a phone call, all vehicles can do ~ ~ let you buy a car without waiting for the stageContact person: ZhangTel: 18109240216QQ:26326288
Shoufu 30% models do not limitThe price is low (major 4S shops have cooperation)