- How appropriate is the loan down payment for buying a house? A senior bank loan officer actually said these four words... How appropriate is the loan down payment for buying a house? Is it more appropriate to buy a house down payment or more loans? This is a question often asked by many buyers. Recently, a friend of a bank loan officer of Xiaorong 360's Xiaobian made a complaint to me: Some old buyers have asked people not to give absolute answers...
- How much is the second house down payment? Question: Melt 360 loan expert, hello! How much is the second house down payment now? Financial 360 loan expert reply: Hello! According to the State Council’s new regulations for eight countries in April 2011, families who borrow money to purchase a second home will have a down payment of at least 60% and a loan interest rate...
- How much can a new energy auto loan be loaned? CITIC down payment 20%! Can you buy a new energy car for a loan? In the past two years, with the increasing popularity of new energy vehicles, the catalogue of subsidized new energy vehicles has also become increasingly abundant. At the same time, in order to open up the Chinese market, the US electric car manufacturer Teslamotos recently reached an agreement with China CITIC Bank.
- How many banks support the first payment The first payment was made by Tuen Niu’s travel credit products, which means that you can go for travel by paying the down payment, and the remaining balance will be paid in installments in 11 installments, which of course is within your credit limit. Since the end of last year, there have been 200,000 people who have made the first payment...
- What is the down payment on the second loan for a commercial loan? What is the down payment on the second loan for a commercial loan? Many people who are prepared to buy a house feel a headache. In simple terms, the down payment for the 2nd suite of commercial loans for non-tier cities is 30%, and the down payment for 2nd suites for commercial loans in first-tier cities is generally not less than 50%. Although the central bank issued the first suite and two ...
How much is suitable for car loan down payment
Personal carloanHow much a down payment is based on your personal financial situation, there is no more down payment. Under normal circumstances, the minimum amount of car loan down payment is 30% of the invoice price, and the car purchaser can arrange to purchase the down payment of the car loan according to their own income and investment plan. What needs to be explained is that, depending on the type of loan, there will be differences in the amount of down payment for car loans.
1. WithPledgeIn case of applying for a loan or a joint liability guarantee provided by a bank or an insurance company, the first payment shall not be less than 20% of the purchase price, and the maximum borrowing amount shall not exceed 80% of the purchase price. So, when buying a car, you must have enough money to make a down payment, and if it is less than 20% down payment, you cannot buy a car.
2. If the loan is applied for by the purchased vehicle or other real estate mortgage, the first payment shall not be less than 30% of the purchase price, and the maximum loan amount shall not exceed 70% of the purchase price.
3. If a third-party guarantee method is used to apply for a loan (except banks and insurance companies), the initial payment amount shall not be less than 40% of the purchase price, and the maximum borrowing amount may not exceed 60% of the purchase price.
The term of a car loan is generally 3 years, and the maximum period is no more than 5 years (including 5 years), and there are differences depending on the nature of the loan applicant. For taxi companies or car rental companies, the maximum loan period does not exceed 3 years; for other companies and institutions, the term of loans must not exceed 2 years in principle;personal loanThe period is usually 3 years. Buying a car loan usually does not require the mortgage of other things, and the purchased car is the mortgage. However, in order to prove that the loan applicant has the ability to repay the loan, when buying a car loan, it is usually required to produce a certificate that can prove the financial strength, such as a real estate license.
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