Credit card can be repaid in installments. Credit card car installment business, refers to the cardholder agreed to pay the first payment of the case, apply to the bank with its credit card in the bank designated dealers to buy home cars; approved by the bank, the approval of the average amount divided into a number of The cardholder repays on a monthly basis within the agreed time limit and pays a fee for a certain fee. At present the bank launched the credit card purchase installment business, most of the "zero interest, low fees", that is generally not charged interest, but one-time (ie the first month of the bill) charged 3% -10% Of the fees (fees due to the different stages of the different stages), there are some banks charged a monthly fee. But there are some card-issuing banks and auto companies to carry out promotional vehicles, or even free of charge. Payment period is generally 12, 18, 24 and so on. In the case ofCredit card stagingCar is also more than a bank carConsumer loansEasier to operate. As long as the cardholder credit is good, there is a stable income can be, generally no household registration and property restrictions. Some banks even said that the fastest few hours to complete the approval. Credit card installment car down payment amount is generally greater than or equal to 30% of the price,Loan amountTo be higher than 30,000 yuan. The down payment part must be paid in cash or deposit, and the credit card's overdraft amount can not be used. For example, a $ 100,000 car, according to the credit card car installment business requirements, first of all to pay 30% (30,000 yuan) of the down payment, if the remaining 70,000 yuan 24 (24 months) the average repayment, The monthly repayment of 2917 yuan. At the same time, but also a one-time charge 7% of the installment fee 4900 yuan. At present, most banks are inFor a credit cardWhen the car business is scheduled, the cardholder is required to sign a mortgage agreement with the bank to mortgage the purchased vehicle to the bank and to repay the full part of the period. (Such as civil servants, teachers, doctors, lawyers, etc.), even if there is no credit card, you can also apply for credit card car installment business (for example, civil servants, teachers, lawyers, etc.), even if there is no credit card, you can apply for credit card car installment business (Ie, at the same time to apply for credit card and credit card purchase installment business). Visible, the use of credit card car installment business is a very simple procedure to borrow money from the bank a good way to buy a car, and the payment fee is generally lower than the same period of car consumer interest. What if the fancy car is not sold by the designated dealer of the bank? Fortunately, the bank launched a new credit card business - credit card cash installment business. The so-called credit card cash installment business, refers to the cardholder to apply to the bank, the bank will be a certain amount of money transferred to the cardholder in the bank account of the non-credit card account, by the customer discretion, the customer selected Of the period of time to return the money. Cash installment is free of charge, free of charge, interest-free, as long as the payment of a certain fee (such as 4% or 7% of the fee). After the application is made by the cardholder, the bank will approve a certain amount of installment quota (for example, 20,000 yuan to 100,000 yuan) within a few working days according to the credit, consumption, occupation, contribution to the bank, etc. of each cardholder yuan). At present, the bank launched mostly six and 12 cash installments. In the form of cost and expense payment, the cash installment business is similar to the credit card purchase installment business. For example, a cardholder to apply for 30,000 yuan, 6 (handling rate of 4%) of the credit card cash installment business, then he returned the principal 5,000 yuan per month, while a one-time payment of 2,000 yuan fee.
Rong 360 enthusiastic friendsAnswer to 2017-07-10