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China Merchants Bank "car purchase easy" application strategy and cooperation brand
Car purchase is easycredit cardThe credit status of the cardholder increases the credit limit of the credit card to meet the cardholder's need to purchase the designated brand car in the designated dealer. Cardholders only need to bear a certain fee to repay the purchase amount on a monthly basis, and fully reduce the repayment pressure of a new type of car loan model.
advantage: 1, more brands, a wider range of choice;
2. The handling fee rate is low: the merchant merchants discount the interest rate and fully reduce the cardholder's installment cost.
3, the repayment period is longer: up to 24 months instalments.
Disadvantage: The application process is strictly reviewed
China Merchants BankofCredit card stagingThe official business of buying a car is called “Car Purchase Easy”. As long as the credit card holders of the Bank can apply for it, the review process is strict. Only long-term cardholders who have been invited by China Merchants Bank or certified can pass the loan approval. The information requested by the client is very detailed: real estate license, social security information, driver's license, salary certificate, salary card, salary card for nearly six months, credit card, etc. All the originals need to be photographed, even the staff To go to the home to take a photo of the scene, and accompanied by the staff to personally log on to the labor security page to call out social security information and take pictures. The degree of rigor can be seen.
"Car purchase easy" car purchase process
Xiao Bian reminds that it is important to note that the down payment cannot be paid by using the China Merchants Credit Card, which is the same as other banks that have credit card purchases. Moreover, China Merchants Bank conducts real-time audits on the order of car purchase orders, and generally gives the results of the audit within 4 hours. In case of special circumstances, the time limit for review is extended accordingly. This is also the place where the editor mentioned before the credit card installment car review speed is fast. After signing the contract and signing the car installment contract, you can drive the car and then repay it in installments.
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