CCB credit card installment process
Edit: Luo WeiSource: Rong 360 originalDate: 2014-04-29
CCB credit card installment purchase refers to the cardholder submitting the application for installment to CCB at the dealership. After the CCB passes the audit, the cardholder pays the first payment and handles the insurance. The customer picks up the card at the dealer and pays the installment. For the bank. Actually, building silver
Construction bankCredit card stagingCar purchase refers to the cardholder submitting the application for installment to CCB at the dealership. After the CCB passes the audit, the cardholder pays the first payment and handles the insurance. The customer picks up the card at the dealer and repays the loan in installments. In fact, the Construction Bank has put money on the user first.
Rong 360 Xiaobian for your analysis of Construction BankCredit card installment process :
1. The application materials for the purchase of the car to be submitted by the customer at the dealership
The application is required to produce the following materials:
(1) Longka Credit Card (Student Card, Business Card, Affiliated Card and Guaranteed Office Card cannot be used for instalment business)
(2) ID card
(3) Proof of work and proof of assets
Second, the customer application materials submitted by the dealer to CCB
1. After the dealer has checked the above materials, the application materials provided to CCB:
(1) Copy of the front and back of the ID card and copy of the front and back of the credit card
(2) "Longka credit card purchase car installment payment order form" bank
(3) Copy of work certificate or personal assets certificate
Reminder: In order to improve the approval rate and the approval amount, the user should be prompted to provide proof of work or personal assets.
Third, the dealer informs the customer to go through the relevant formalities
Reseller receivedConstruction Bank Credit Card CenterAfter the notice, notify the customer to pay the first payment, purchase insurance, card and other related procedures.
Note the following:
1. The down payment is the net car price minus the approved amount, which is at least 30% of the net car price. You cannot use the credit limit of CCB credit card to pay by credit card.
2. Only the stolen rescue and car damage insurance are the types of insurance that CCB must purchase. At least one year of purchase, the first beneficiary is the owner himself.
3, the card must be on the owner's own license.
4. The payment materials submitted by the customer to CCB
"Longka credit card purchase car installment payment order form" bank association (original), "long card credit card purchase installment payment receipt" bank association (original), "long card credit card car installment dealer request card" (original), "car purchase contract" Copy, ID card, copy of credit card, copy of purchase invoice, copy of insurance invoice and copy of policy, proof of first payment receipt (such as photocopy of receipt), work certificate or proof of assets.
Note: The above request materials must be submitted by the customer to the local CCB Card Center.
V. Determine the installment amountRepayment on time
After the construction bank receives the application, after the approval, the user can take the 4S shop to pick up the car. After that, according to the agreement of the bank, the installment quota, the installment period, the installment fee, and the monthly repayment can be paid on time. .
Rong 360 Xiaobian reminder: According to the bank regulations, the lender should pre-store the principal and interest repaid in the settlement account in advance, otherwise, the construction bank will charge a certain amount of late payment fee.
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