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How to choose a better bank car loan

Time: 2017-01-20         Source: melt 360 finishing         Author: 360 Financial consolidation

How to choose betterBank car loan,details as follows:

First, compare the car loan interest rates of various banks. With this year's bank car loan quota tension, auto loan interest rates naturally follow up, but the bank in order to attract consumers, the car loan interest rate increase rate is still a gap, and the loan period is different, the car loan interest rates are also different Everyone is hereLoan carWhen the time limit can be combined with their own loans and choose the lowest car loan interest rates in order to achieve the purpose of cost savings.

Second, comparing the fees of various banks. We choose "interest-free car loans" must look at the fee, because we apply for interest-free car loans, the banks are likely to lend an extra fee for lenders, for example, banks charge a fee of seventy or eight thousand at every turn, then most do not Cost-effective. In addition, we also need to pay attention to before the loan is paid, the car belongs to the bank, and the bank in order to guard against the risk, will allow consumers to buy a lot of insurance, so when we sign the contract with the bank, the terms of the contract should look carefully, Weigh the cost and make a decision.

Third, compare the bank loan processing time cycle. Bank car loan approval is too much trouble, the general car loan time period of about a month, mainly due to the car loan bad debt ratio is relatively high, so bank approval is too much trouble, we can handle the car loan before the credit conditions in detail with their own advice Banks, can effectively reduce the handling time. We can distinguish between the above three aspects which bank car loans good. As credit policy tightened, banksLoan lineLimited, banks may give priority to customers with higher credit lines, while ordinary customers still have to wait for lending.

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