- Can we buy a loan from the provident fund in 2015? House prices are getting higher and higher, many people know that provident fund can buy a house, but provident fund can be used to buy a car? It is reported that around the individual housing provident fund to pay the basic standards are not the same, the individual housing provident fund and employee units for employees to pay ...
- The rich also buy a car loan With the change of people's concept, the proportion of loans to buy a car is getting higher and higher. In most people's minds, loans to buy a car is a helpless move of choice for those who lack money. However, the street frequently attract the attention of luxury cars, many of whom are rich and powerful rich loans bought ...
- Loan car buying precautions Loan to buy a car with its money tomorrow, enjoy the present happiness, has become the majority of car owners to solve short-term funding problems the only way. However, there are some caveats to note when buying a loan. 1, Zero down payment, low interest rates and other benefits need to be cautious ...
- Loan car buying precautions In recent years, the thought of loans to buy a car seems to be rising, then decided to loan car, what should pay attention to it? The following content, it is better to preview. First, guard against the second mortgage such a rare problem, but still occur from time to time, car buyers need to be wary of their own ...
- Loans to buy a car cost-effective it? Many car buyers face the problem of payment is: in the end the whole car or loan to buy a car? In general, the full paragraph of the car without interest payments, but one-time out of tens of thousands at least tens of millions of car models and some difficulties. If the loan to buy a car, then ...
Provident Fund loans to buy it?
Many have not bought a house to buy a car, their own CPF friends often ask: "provident fund can be used to buy a car loan?"
This question is actually a very good answer, no, the provident fund is state regulations, on-the-job workers in proportion to pay based on wages to pay public housing fund has a mandatory, welfare, protection, mutual assistance nature. Contributions paid by employees of the public owned, no one else have the right to use. The main purposes of the provident fund are: for the purchase, construction, renovation, overhaul of self-occupied housing, repaying the principal and interest of purchase loans, subsidized rent and more than the family wage income.
If you do not have enough money to buy a car, you can get loans through the following channels:
(1)Credit card installmentCar: The most significant advantage of a credit car loan is the fast approval process is relatively simple. If used by consumersCredit card loansCar, as long as there is a credit card used within a valid period and a good credit card, to provide identification card to bank card can be staged car. Even without a credit card, car dealers can also apply for credit card purchases, usually within 3-7 business days can be completed. Compared with other ways,Credit limitNot high, suitable for buying a family car.
(2) Auto Finance Company Loan: The procedure for applying for a car loan through an auto finance company is relatively simple. In general, the entire process takes only two or three days and the customer can get the car conveniently and quickly. The main disadvantage of this approach is the single car brand, interest rates higher.
(3) Bank car loans: the traditional bank car loan up to five years, a higher amount of repayment pressure less. But the more negative is that the bank car loan interest rates need to go up 20% or more, many banks are basically not carried out. In addition, strict examination and approval, for a long time is also a huge shortage.
(4) Unsecured loans: Unsecured loans can be used to buy automobiles, but most unsecured loan products will have a interest rate of more than 10%. Loans will focus on a year or so, putting more pressure on borrowers. The advantage of unsecured loans is that approvals are fast and consumers are free to pick up their car brands.
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