Construction Bank credit card installment car purchase process
Edit: Luo YeSource: Rong 360 originalDate: 2014-04-29
Construction Bank credit card installment purchase means that the cardholder submits an application for installment car purchase to CCB at the dealership. After CCB approves the approval, the cardholder pays the initial payment and handles the insurance and other formalities. The customer swipes and collects the car at the dealership and installs the car in installments. Money to the bank. In fact, the construction of silver
Construction BankCredit card stagingThe purchase of a car means that the cardholder submits an application for installment purchase to CCB at the dealer’s office. After CCB approves the approval, the cardholder pays the initial payment and handles insurance procedures. The customer swipes the card at the dealership and repays the loan in installments to the bank. In fact, the Construction Bank is giving users the money to put it first.
Financial 360 Xiao Bian Analysis of Construction Bank for youCredit card installment car purchase process :
First, customers need to submit the application of the car instalments at the dealer
The application needs to produce the following materials:
(1) Dragon Card Credit Card (student card, business card, supplementary card and guarantee card cannot be used for instalment business)
(2) ID card
(3) Work Proof and Proof of Assets
Second, the dealer needs to submit the customer application materials submitted by CCB
1. After the dealer checks the above materials, the application materials provided to CCB are as follows:
(1) Copy of the front and back of the ID card and a copy of the front and back of the credit card
(2) "Dragon Card Credit Card Purchasing Installment Order Form" Bank Link
(3) Copy of work certificate or personal asset certificate
Reminder: In order to increase the approval rate and the approval amount, the user should be prompted to provide proof of work or proof of personal assets as much as possible.
Third, the dealer informed the customer to handle the relevant procedures
Dealer receivedConstruction Bank Credit Card CenterAfter the notification, the customer is notified to pay for the first payment, purchase insurance, and apply for the relevant procedures.
Note the following points:
1. The first payment is the net car price minus the amount approved for approval. It is at least 30% of the net car price. You cannot use CCB credit card credit card for payment.
2. Only stolen emergency and vehicle damage insurance are types of insurance that CCB must purchase. At least one year is purchased. The first beneficiary is the owner.
3, the license must be on the owner license.
IV. Requisition materials submitted by customers to CCB
"Lonka Credit Card Purchase Installment Order Form" Bank Union (Original), "Long Card Credit Card Purchase Installment Payment Signature" Bank Union (Original), "Long Card Credit Card Vehicle Installment Dealer Requisition" (Original), "Car Contract" Copies, ID Cards, Credit Card Copies, Copy of Car Invoices, Purchase of Insurance Invoices and Copy of Insurance Policy, First Payment Payment Receipts (eg Copy of Receipts), Work Certificates, or Certificate of Assets.
Note: The above requisition materials must be submitted by the customer to the local Construction Bank Card Center.
Fifth, determine the amount of installmentsRepayment on time
Upon receipt of the application, the CCB can use the 4S shop to collect the car after the application is approved. Afterwards, according to the agreement of the bank, the installment line, the installment period, the installment fee, and the monthly repayment can be completed. .
Financial 360 Xiao Bian reminds: According to the bank's regulations, the lender should pre-store the principal and interest repayment in installments in the settlement account, otherwise, the Construction Bank will charge a certain amount of late fees.
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