Credit card buying a car can be repaid in installments. Credit card purchase and installment payment business refers to the case where the cardholder agrees to pay the down payment, and applies to the bank to purchase the family car with the bank's designated dealer. After the bank approves, the approval amount is divided into several periods. The cardholder repays the loan on a monthly basis within the agreed time limit and pays a certain fee. At present, most of the credit card purchase payment installment services introduced by banks are “zero interest, low handling fee”, which means that generally no interest is charged, but one-time (that is, the first month bill) is charged 3%-10%. The handling fee (the handling fee varies depending on the number of stages), and some banks charge a monthly fee. However, there are currently some promotional car models jointly developed by the issuing bank and the automobile company, and even the fee is exempted. The term of payment is generally 12, 18, 24, etc.Credit card stagingBuying a car is also better than a bank carConsumer loanIt's easier to operate. As long as the cardholder has good credit and stable income, there is generally no restrictions on household registration and property. Some banks even said that approval can be completed in a few hours. The down payment for a credit card installment is generally greater than or equal to 30% of the price of the car.Loan amountIt is higher than 30,000 yuan. The down payment portion must be paid in cash or by deposit, and the overdraft amount of the credit card cannot be used. For example, a 100,000 yuan car, according to the credit card purchase car installment payment business, first pay 30% (30,000 yuan) of the down payment, if the remaining 70,000 points 24 (24 months) average repayment, Then repay 2,917 yuan per month. At the same time, a one-time charge of 7% of the installment fee of 4,900 yuan. Currently, most banks areCredit cardWhen the car purchase business is carried out in stages, the cardholder is required to sign a mortgage agreement with the bank to mortgage the purchased vehicle to the bank and release the mortgage after repayment of the full part of the payment. Banks not only handle this business for credit card holders with good credit, but also those who work well in the work industry and have stable jobs (such as civil servants, teachers, doctors, lawyers, etc.), even if they do not have a credit card, they can apply for credit card purchase and installment payment services. (ie, apply for credit card and credit card purchase instalment payment business at the same time). It can be seen that the use of credit card to purchase car installment payment business is a very convenient way to borrow money from the bank to buy a car, and the handling fee is generally lower than the car loan interest of the same period. If the fancy car is not sold by the bank's designated dealer? Fortunately, the bank launched a new credit card business - credit card cash installment business. The so-called credit card cash installment payment business means that after the cardholder applies to the bank, the bank transfers a certain amount of money into the non-credit card account opened by the cardholder at the bank, which is freely controlled by the customer and selected by the customer. The period is repaid in installments. Cash installment is free of mortgage, no guarantee, no interest, and only pays a certain fee (for example, 4% or 7% of the handling fee). After the cardholder submits the application, the bank will set a certain amount of installment payment amount (for example, 20,000 to 100,000 yuan) on a few working days according to the credit, consumption, occupation, and contribution to the bank of each cardholder. yuan). At present, most of the banks launched the cash installment payment business of 6 and 12 periods. The cash installment payment service is similar to the credit card purchase installment payment service in terms of the fee and fee payment method. For example, if a cardholder applies for a credit card cash installment payment service of 30,000 yuan and 6 (a fee rate of 4%), he will return the overdraft principal of 5,000 yuan per month and a one-time payment of 2,000 yuan.
Rong 360 enthusiastic friendsAnswered on 2017-07-10