● loans and conditions
1, with full civil capacity of natural persons;
2, with local cities and towns permanent residence or a valid residency status, and a fixed address in detail;
3, there is a legitimate career and steady income, good credit, have the ability to repay the loan principal and interest;
4, held by auto dealers with the signing of an agreement to purchase the car or the contract;
5, had to pay no less than the amount of down payment to buy cars, and is willing to purchase the vehicle as collateral.
● term interest rates and limit
l, individual car consumption loans for the three-year period in general, a maximum of five years (including five years);
2, personal car loans interest rates implementation of the provisions of the People's Bank of China with the level of interest rates. In the period of the loan within a year, according to the interest at a rate of the contract, the case of statutory interest rates unchanged adjustment; loans in the period of one year or more, the case of statutory rate adjustment in the beginning of the year, according to the appropriate level of interest rates implementation of the new level of interest rates.
3, individual car consumption loans shall not exceed the ceiling of shall purchase 80% of the specific limits according to the actual situation and determine the nature of security.
12 Nov 2008
5 Nov 2008
How much credit card payment method
Immediately to the Spring Festival, people will usher in another card heights, the use of credit cards has become quite a number of shopping trips on the spending habits of one. Will inevitably need to use the card repayment, in the face of a growing number of people to repay the banks to open up channels so that more and more diversified credit card payments.
Auto convenient transfer
Automatic transfer payment is probably the most convenient option, but first of all need to have their credit card or bank passbook financial debit cards, such as China Merchants Bank credit cards have been required to open a Card Merchants Bank, CITIC credit card holders need to CITIC card or financial Bao Passbook. Then call the telephone or through Internet banking or bank tellers, to apply for automatic payment services, bank credit card bills each month will be the final repayment date, automatically deduct the Passbook card or a corresponding amount.
China Merchants Bank Card Association's automatic payment card accounts free of management fees, but also selected yuan or U.S. dollars on its own account of repayment. Repayment of the RMB current accounts must account; repayment of U.S. dollar current accounts can choose cash or U.S. current account cash account. Card automatically associated with the repayment in full repayment of the amount of the option, choose the lowest amount. The use of automatic transfer to repay customers need to pay attention to, the repayment due in a few days ago to see whether or not sufficient account balance to avoid delay payment; if customer account balance is low, the bank account balance will be deducted from "0" yuan, the rest of the No longer be deducted up, customers need to enter credit card account to repay. General accounts only with the main card-connected and, if attached card to be opened respectively.
Counter to repay the insurance
Repayment of the counter is also popular because of the staff to do the job will not be based on more than a zero-operation and the errors resulted in the loss. Counter cash to repay their credit card in any of the cash payment network. Banks generally accepted by the others and also on behalf of the non-payment cards, so long as to ensure the accuracy of CITIC fill out credit card numbers, can the receiving real-time, no fees. Counter to the repayment can also be a check or transfer the money back and check, then is slow and will take 2-3 days.
If the customer's bank-owned outlets less to worry about repayment to counter the inconvenience, such as CITIC Bank has a credit card in Shanghai can go to any "counter-" to carry out cash to repay the bank, China Merchants Bank, Shenzhen Development Bank, Hua Xia Bank, Guangdong Development Bank, Minsheng Bank, Industrial Bank, Everbright Bank of eight joint-stock commercial banks, nearly 200 business outlets for RMB credit card repayment, the money will be "T +1" Japan recorded. "-Counter" business during the trial, regardless of the size of the amount of repayment, each only 2 yuan to collect fees; official run, the standard fee of 3 yuan for each.
In addition, can also go to the National Renyi Min Seng Bank, Shenzhen Development Bank, Guangdong Development Bank affixed with a "payment services," the signs point to use cash to pay the debt, to pay cross-city transfer or exchange cross-designated place procedures Fee, generally 1-3 working days receiving.
If the other bank tellers, with other bank debit card or passbook savings in their respective outlets to CITIC Bank credit card payment transfer, the receiving generally 1-3 business days (except holidays), recommended for 3 days in advance. At cross-city transfers and remittances different places, different cities and the admissibility of the bank's business and fees vary.
Bank of self-service terminal network of the most unlimited
The use of silver and self-service terminal network is also to repay the more fashionable way of repayment. Silver net repayment of the bank or ATM machine to repay the receiving real-time, without charges, but net repayment of the Bank is conditional on, China Merchants Bank net repayment of the Bank One Card to be launched on-line "personal banking Pro" or 4.5 Above; to other people's CITIC credit card repayment, it would take to open outlets in China CITIC Bank "Plus" network of silver.
ATM payments can be deposited in cash in the credit card for payment, receiving real-time, no fees.
ATM machine network of transfer payments to repay the Bank transfers can also be other banks where the line for repayment of credit card. China Merchants Bank credit cards is now online Bank ATM cross-transfer business. Opening of the city include: Beijing, Shanghai, Guangzhou, Shenzhen, Xiamen, Wuhan, Nanjing, Shenyang, Hangzhou, Tianjin, Dalian, Fuzhou, Jinan, Kunming, Chongqing, Changsha, and other 34 cities and the surrounding areas, ATM machines more than 10,000 units, coverage The major large and medium-sized cities. Can be opened in the bank's ATM machine for his trip to the bank cards into credit cards or apply for credit card transactions to him out of the bank card transactions. Into customer transactions in real time to restore the line of credit available, out of credit card transactions as cash transactions.
There are other phone bank transfer payment to apply for China Merchants Bank "fast easy money management" services, voice services can be automated through artificial or services from the card to the designated credit card payments.
The most labor-saving automatic purchase of foreign currencies
And when people travel abroad to participate in the End the use of international card, credit card repayment process also involves the purchase of foreign currencies. Automatic is the most commonly used to purchase foreign exchange management tools, for the repayment of foreign currency accounts receivable arising from the consumer, just before the due repayment will be sufficient amount of renminbi (RMB + foreign currency debt arrears) into the credit card accounts, each Meeting of the RMB deposit will automatically issue a priority for repayment of outstanding bills payable in foreign currency in excess of RMB accounts used to pay part of the arrears.
If repayment has been automatically opened, the due date of repayment, the foreign currency bank accounts in arrears will be automatically converted into yuan and RMB accounts in arrears from the financial management of the RMB card or passbook accounts automatically transfer payments. If you do not have enough to repay the balance of RMB and foreign currency accounts in arrears, automatic repayment will not succeed, there are other ways to purchase foreign exchange to purchase foreign exchange to repay the Bank network, telephone and counter purchase of foreign currencies to purchase foreign exchange to repay the repayment.
Auto convenient transfer
Automatic transfer payment is probably the most convenient option, but first of all need to have their credit card or bank passbook financial debit cards, such as China Merchants Bank credit cards have been required to open a Card Merchants Bank, CITIC credit card holders need to CITIC card or financial Bao Passbook. Then call the telephone or through Internet banking or bank tellers, to apply for automatic payment services, bank credit card bills each month will be the final repayment date, automatically deduct the Passbook card or a corresponding amount.
China Merchants Bank Card Association's automatic payment card accounts free of management fees, but also selected yuan or U.S. dollars on its own account of repayment. Repayment of the RMB current accounts must account; repayment of U.S. dollar current accounts can choose cash or U.S. current account cash account. Card automatically associated with the repayment in full repayment of the amount of the option, choose the lowest amount. The use of automatic transfer to repay customers need to pay attention to, the repayment due in a few days ago to see whether or not sufficient account balance to avoid delay payment; if customer account balance is low, the bank account balance will be deducted from "0" yuan, the rest of the No longer be deducted up, customers need to enter credit card account to repay. General accounts only with the main card-connected and, if attached card to be opened respectively.
Counter to repay the insurance
Repayment of the counter is also popular because of the staff to do the job will not be based on more than a zero-operation and the errors resulted in the loss. Counter cash to repay their credit card in any of the cash payment network. Banks generally accepted by the others and also on behalf of the non-payment cards, so long as to ensure the accuracy of CITIC fill out credit card numbers, can the receiving real-time, no fees. Counter to the repayment can also be a check or transfer the money back and check, then is slow and will take 2-3 days.
If the customer's bank-owned outlets less to worry about repayment to counter the inconvenience, such as CITIC Bank has a credit card in Shanghai can go to any "counter-" to carry out cash to repay the bank, China Merchants Bank, Shenzhen Development Bank, Hua Xia Bank, Guangdong Development Bank, Minsheng Bank, Industrial Bank, Everbright Bank of eight joint-stock commercial banks, nearly 200 business outlets for RMB credit card repayment, the money will be "T +1" Japan recorded. "-Counter" business during the trial, regardless of the size of the amount of repayment, each only 2 yuan to collect fees; official run, the standard fee of 3 yuan for each.
In addition, can also go to the National Renyi Min Seng Bank, Shenzhen Development Bank, Guangdong Development Bank affixed with a "payment services," the signs point to use cash to pay the debt, to pay cross-city transfer or exchange cross-designated place procedures Fee, generally 1-3 working days receiving.
If the other bank tellers, with other bank debit card or passbook savings in their respective outlets to CITIC Bank credit card payment transfer, the receiving generally 1-3 business days (except holidays), recommended for 3 days in advance. At cross-city transfers and remittances different places, different cities and the admissibility of the bank's business and fees vary.
Bank of self-service terminal network of the most unlimited
The use of silver and self-service terminal network is also to repay the more fashionable way of repayment. Silver net repayment of the bank or ATM machine to repay the receiving real-time, without charges, but net repayment of the Bank is conditional on, China Merchants Bank net repayment of the Bank One Card to be launched on-line "personal banking Pro" or 4.5 Above; to other people's CITIC credit card repayment, it would take to open outlets in China CITIC Bank "Plus" network of silver.
ATM payments can be deposited in cash in the credit card for payment, receiving real-time, no fees.
ATM machine network of transfer payments to repay the Bank transfers can also be other banks where the line for repayment of credit card. China Merchants Bank credit cards is now online Bank ATM cross-transfer business. Opening of the city include: Beijing, Shanghai, Guangzhou, Shenzhen, Xiamen, Wuhan, Nanjing, Shenyang, Hangzhou, Tianjin, Dalian, Fuzhou, Jinan, Kunming, Chongqing, Changsha, and other 34 cities and the surrounding areas, ATM machines more than 10,000 units, coverage The major large and medium-sized cities. Can be opened in the bank's ATM machine for his trip to the bank cards into credit cards or apply for credit card transactions to him out of the bank card transactions. Into customer transactions in real time to restore the line of credit available, out of credit card transactions as cash transactions.
There are other phone bank transfer payment to apply for China Merchants Bank "fast easy money management" services, voice services can be automated through artificial or services from the card to the designated credit card payments.
The most labor-saving automatic purchase of foreign currencies
And when people travel abroad to participate in the End the use of international card, credit card repayment process also involves the purchase of foreign currencies. Automatic is the most commonly used to purchase foreign exchange management tools, for the repayment of foreign currency accounts receivable arising from the consumer, just before the due repayment will be sufficient amount of renminbi (RMB + foreign currency debt arrears) into the credit card accounts, each Meeting of the RMB deposit will automatically issue a priority for repayment of outstanding bills payable in foreign currency in excess of RMB accounts used to pay part of the arrears.
If repayment has been automatically opened, the due date of repayment, the foreign currency bank accounts in arrears will be automatically converted into yuan and RMB accounts in arrears from the financial management of the RMB card or passbook accounts automatically transfer payments. If you do not have enough to repay the balance of RMB and foreign currency accounts in arrears, automatic repayment will not succeed, there are other ways to purchase foreign exchange to purchase foreign exchange to repay the Bank network, telephone and counter purchase of foreign currencies to purchase foreign exchange to repay the repayment.
31 Oct 2008
Consumer loans up to apply for down payment requirements?
The first payment not enough buyers, can apply for loans to alleviate the "urgent needs." In accordance with the relevant provisions of the bank, if used to pay down consumer loans, mortgages in the process, the percentage of loans will decrease.
For example, you borrow 30 million loan for the down payment, it may not buy a total of 1,000,000 housing. According to regulations, you can only apply for 60 percent of commercial loans. As a result, a total of only around 900,000 yuan loan, you need at least 100,000 yuan out of its own funds to buy a house. Therefore, in order to pay down loans, still need to own a certain amount of cash used for the down payment.
And housing mortgage loans, it needs to pay assessment fees, notary fees and handling charges. The loan bid for a longer period of time, usually two months. General and the same housing mortgage loans, consumer loans on a monthly basis is equal to the principal of equal or principal and interest repayment method.
By-laws: for consumer loans would have to pay for the cost of
Assessment fee credit lines for more than 500,000 in 500
In the line of credit 1,000,000 for more than 1,000 yuan
500,000 in credit lines for the following 300 yuan
Notarization fee contract thousandth
400 yuan fee
Mortgage registration fee 200 yuan
For example, you borrow 30 million loan for the down payment, it may not buy a total of 1,000,000 housing. According to regulations, you can only apply for 60 percent of commercial loans. As a result, a total of only around 900,000 yuan loan, you need at least 100,000 yuan out of its own funds to buy a house. Therefore, in order to pay down loans, still need to own a certain amount of cash used for the down payment.
And housing mortgage loans, it needs to pay assessment fees, notary fees and handling charges. The loan bid for a longer period of time, usually two months. General and the same housing mortgage loans, consumer loans on a monthly basis is equal to the principal of equal or principal and interest repayment method.
By-laws: for consumer loans would have to pay for the cost of
Assessment fee credit lines for more than 500,000 in 500
In the line of credit 1,000,000 for more than 1,000 yuan
500,000 in credit lines for the following 300 yuan
Notarization fee contract thousandth
400 yuan fee
Mortgage registration fee 200 yuan
21 Oct 2008
Consumer loans up to apply for down payment requirements?
The first payment not enough buyers, can apply for loans to alleviate the "urgent needs." In accordance with the relevant provisions of the bank, if used to pay down consumer loans, mortgages in the process, the percentage of loans will decrease.
For example, you borrow 30 million loan for the down payment, it may not buy a total of 1,000,000 housing. According to regulations, you can only apply for 60 percent of commercial loans. As a result, a total of only around 900,000 yuan loan, you need at least 100,000 yuan out of its own funds to buy a house. Therefore, in order to pay down loans, still need to own a certain amount of cash used for the down payment.
And housing mortgage loans, it needs to pay assessment fees, notary fees and handling charges. The loan bid for a longer period of time, usually two months. General and the same housing mortgage loans, consumer loans on a monthly basis is equal to the principal of equal or principal and interest repayment method.
For example, you borrow 30 million loan for the down payment, it may not buy a total of 1,000,000 housing. According to regulations, you can only apply for 60 percent of commercial loans. As a result, a total of only around 900,000 yuan loan, you need at least 100,000 yuan out of its own funds to buy a house. Therefore, in order to pay down loans, still need to own a certain amount of cash used for the down payment.
And housing mortgage loans, it needs to pay assessment fees, notary fees and handling charges. The loan bid for a longer period of time, usually two months. General and the same housing mortgage loans, consumer loans on a monthly basis is equal to the principal of equal or principal and interest repayment method.
17 Oct 2008
Which is more suitable for your car loan
At the moment, deceived consumers to buy a car loan cases occurred frequently. According to the reporter learned that the first payment had been deceived consumers have a common characteristic, that is, the account is in the field, chosen by way of loans to bank loans, these consumers to car dealers to pay a certain amount of down payment Section after the final dealers have been informed of the reasons because of its consumer bank loans. In fact, the lack of good faith in the dealers to make full use of bank loans are very harsh as this under the cover of the consumer fraud.
In fact, the current way of a bank loan to buy a car with two car finance companies, consumers (particularly in the field of household) do not have to choose this bank loans, to the black car business chances. In that case, consumers know which is more suitable for your car loan? In this correspondent bank car loan and auto finance companies compare the merits and demerits of each, and they hope to help you buy a car loan.
Eligible to apply for car loan
Automobile finance company lending standards to be more lenient in the principal value of credit applicants; and bank lending income applicants is important, and collateral account, and so on. Banks and car finance companies is the biggest difference: In the auto finance companies, foreign accounts under certain conditions, generally easy to apply for car loan, and the bank would like to apply for car loan under the more difficult, requiring local public security, real estate, such as proof of a Series of cumbersome procedures.
Loan procedures and costs
Automobile finance company advantage is fast and convenient procedures, in general about three days to complete, and do not have to pay fees, mortgage fees, lawyers fees and so on; bank loans will normally take more than a week, looking for a security company to do security, and a certain amount of miscellaneous fees.
Loan rate
Bank interest rate car loan is the People's Bank of China in accordance with the provisions of the loan rates over the same period, while auto finance company's interest rates are usually higher than bank interest rates some of the current. At present, auto finance companies in general than the bank lending rate by 1 percentage point higher, as calculated in accordance with 100,000 yuan of loans, the 3-year is likely to pay more than the bank more than 3000 yuan.
The first payment ratio
Automobile finance company's ratio of down payment requirements less stringent, the first payment generally lower, such as Toyota for the financial credibility very good commitment to customers in the first all-car price to pay for 20% of the loan period is divided into more than three years and Two five years. The majority of banks are currently the minimum down payment for the full price of vehicles for 40% of the loan period of three years generally have two options and five years, beyond the maximum of five years.
Also on the amount of
At present, some auto finance companies can provide flexible credit services. Flexible credit more flexibility, that is, through the loan amount does not exceed a certain percentage of the balance payment due flexibility in the contract expires, to provide consumers with a variety of options: a one-time settlement of balance payment due flexibility to obtain ownership of the vehicle; or balance due to the flexibility to apply for a period of The second 12-month loan; or dealers to sell cars with the help of a new car to二手车置换. Due to this flexibility were excluded from the balance due on the total amount for, so on loans for general lower than the bank.
Reporters proposal
Which in the end be more suitable for your car loan, the reporters that this would also like to look at specific interest rates and discount of the price. In the auto finance company loan to buy a car, the general is not much of the price discount; In contrast, if the dealer can Rangli a few thousand dollars through preferential bank loans to buy vehicles more cost-effective. Those in the banking system appears to assess the creditworthiness of the applicants is not high, to give priority to the auto finance company to apply for a loan; good credit, with a capacity of the down payment the borrower can choose to give priority to bank loans.
In fact, the current way of a bank loan to buy a car with two car finance companies, consumers (particularly in the field of household) do not have to choose this bank loans, to the black car business chances. In that case, consumers know which is more suitable for your car loan? In this correspondent bank car loan and auto finance companies compare the merits and demerits of each, and they hope to help you buy a car loan.
Eligible to apply for car loan
Automobile finance company lending standards to be more lenient in the principal value of credit applicants; and bank lending income applicants is important, and collateral account, and so on. Banks and car finance companies is the biggest difference: In the auto finance companies, foreign accounts under certain conditions, generally easy to apply for car loan, and the bank would like to apply for car loan under the more difficult, requiring local public security, real estate, such as proof of a Series of cumbersome procedures.
Loan procedures and costs
Automobile finance company advantage is fast and convenient procedures, in general about three days to complete, and do not have to pay fees, mortgage fees, lawyers fees and so on; bank loans will normally take more than a week, looking for a security company to do security, and a certain amount of miscellaneous fees.
Loan rate
Bank interest rate car loan is the People's Bank of China in accordance with the provisions of the loan rates over the same period, while auto finance company's interest rates are usually higher than bank interest rates some of the current. At present, auto finance companies in general than the bank lending rate by 1 percentage point higher, as calculated in accordance with 100,000 yuan of loans, the 3-year is likely to pay more than the bank more than 3000 yuan.
The first payment ratio
Automobile finance company's ratio of down payment requirements less stringent, the first payment generally lower, such as Toyota for the financial credibility very good commitment to customers in the first all-car price to pay for 20% of the loan period is divided into more than three years and Two five years. The majority of banks are currently the minimum down payment for the full price of vehicles for 40% of the loan period of three years generally have two options and five years, beyond the maximum of five years.
Also on the amount of
At present, some auto finance companies can provide flexible credit services. Flexible credit more flexibility, that is, through the loan amount does not exceed a certain percentage of the balance payment due flexibility in the contract expires, to provide consumers with a variety of options: a one-time settlement of balance payment due flexibility to obtain ownership of the vehicle; or balance due to the flexibility to apply for a period of The second 12-month loan; or dealers to sell cars with the help of a new car to二手车置换. Due to this flexibility were excluded from the balance due on the total amount for, so on loans for general lower than the bank.
Reporters proposal
Which in the end be more suitable for your car loan, the reporters that this would also like to look at specific interest rates and discount of the price. In the auto finance company loan to buy a car, the general is not much of the price discount; In contrast, if the dealer can Rangli a few thousand dollars through preferential bank loans to buy vehicles more cost-effective. Those in the banking system appears to assess the creditworthiness of the applicants is not high, to give priority to the auto finance company to apply for a loan; good credit, with a capacity of the down payment the borrower can choose to give priority to bank loans.
16 Oct 2008
Fund loans and commercial loans difference
1) housing accumulation fund loan interest rates than commercial banks, housing loans with low interest rates, five years (including five years) the following fund an annual interest rate of 4.14 percent of loans, commercial banks 1-3 years (including 3 years) as low as 5.427 percent, 3-5-year (Including five years) as low as 5.508 percent; more than five years, housing accumulation fund loans carry an annual coupon of 4.59 percent, commercial banks in the same period of individual housing loan interest rates as low as 5.751 percent.
2) loans of objects of different conditions, the need to fund loans in the housing accumulation fund paid into the center; and commercial housing loans do not need to be paid into the fund people.
3) The maximum loan amount for a single provision, in general, commercial banks on housing loans single loan does not require the maximum amount; Bengbu City and the current loan fund provides for the purchase of the urban working at the same time deposited in the housing accumulation fund, the maximum loan No amount of more than 200,000 yuan, single workers paid into the housing fund, the maximum loan amount is not more than 100,000 yuan; County in the purchase of housing accumulation fund paid into working at the same time, the maximum loan amount is not more than 120,000 yuan, single workers paid into the The housing fund, the maximum loan amount is not more than 60,000 yuan.
4) a single loan of up to life of the loan provisions, commercial bank loans for housing loans up to a single loan period not exceeding 30 years (in practice under control in less than 20 years); the current loan fund provides the most urban areas Long years of the loan is 20 years, the county up to three years of the loan is 15 years.
2) loans of objects of different conditions, the need to fund loans in the housing accumulation fund paid into the center; and commercial housing loans do not need to be paid into the fund people.
3) The maximum loan amount for a single provision, in general, commercial banks on housing loans single loan does not require the maximum amount; Bengbu City and the current loan fund provides for the purchase of the urban working at the same time deposited in the housing accumulation fund, the maximum loan No amount of more than 200,000 yuan, single workers paid into the housing fund, the maximum loan amount is not more than 100,000 yuan; County in the purchase of housing accumulation fund paid into working at the same time, the maximum loan amount is not more than 120,000 yuan, single workers paid into the The housing fund, the maximum loan amount is not more than 60,000 yuan.
4) a single loan of up to life of the loan provisions, commercial bank loans for housing loans up to a single loan period not exceeding 30 years (in practice under control in less than 20 years); the current loan fund provides the most urban areas Long years of the loan is 20 years, the county up to three years of the loan is 15 years.
15 Oct 2008
Loans in place within 30 hours
At 17:20 on May 23, is preparing to work in Zhejiang Jin Lihua Electric Co., Ltd. in charge of financial Miss Jin, Kim Dong from the Agricultural Bank of Jinhua Branch Manager Wang telephone, "the company you apply for credit loans have been approved, the first Total 5,000,000 yuan of loans in the afternoon was transferred to the company of your account, please check. "Miss Jin while the accident is deeply moved.
Jin Lihua, Zhejiang Electric Co., Ltd. is a specialized production of power transmission equipment vendors, products nationwide in electrical equipment manufacturing enterprises occupy the dominant position. Four Chuan Wenchuan after the earthquake, the national power grid companies received a large number of orders, product will be used for post-disaster reconstruction of the Sichuan power grid. Orders received after the enterprise in order to ensure timely delivery of products, production at full capacity around the clock, the surge in demand for raw materials, a sudden liquidity shortage. The enterprise has been concerned about the trend of Kim Dong-Jinhua Branch to understand the situation and decided to increase loans to enterprises, and rushed to the city of Jinhua Branch of the request. Jinhua City branch of the Agricultural Bank loan for the immediate opening of the green channel, completed in the shortest possible time a new loan to the business procedures of 30,000,000 yuan. May 23, the first loan payment of 5,000,000 yuan was put in place. From the enterprise to apply for loans, only took 30 hours.
In support of the Agricultural Bank, at present, Zhejiang Jin Lihua Electric Co., Ltd. for the reconstruction of the first batch of products have been successfully completed and delivered in the second overtime to make batches of.
Jin Lihua, Zhejiang Electric Co., Ltd. is a specialized production of power transmission equipment vendors, products nationwide in electrical equipment manufacturing enterprises occupy the dominant position. Four Chuan Wenchuan after the earthquake, the national power grid companies received a large number of orders, product will be used for post-disaster reconstruction of the Sichuan power grid. Orders received after the enterprise in order to ensure timely delivery of products, production at full capacity around the clock, the surge in demand for raw materials, a sudden liquidity shortage. The enterprise has been concerned about the trend of Kim Dong-Jinhua Branch to understand the situation and decided to increase loans to enterprises, and rushed to the city of Jinhua Branch of the request. Jinhua City branch of the Agricultural Bank loan for the immediate opening of the green channel, completed in the shortest possible time a new loan to the business procedures of 30,000,000 yuan. May 23, the first loan payment of 5,000,000 yuan was put in place. From the enterprise to apply for loans, only took 30 hours.
In support of the Agricultural Bank, at present, Zhejiang Jin Lihua Electric Co., Ltd. for the reconstruction of the first batch of products have been successfully completed and delivered in the second overtime to make batches of.
14 Oct 2008
Who can get a car loan
If the borrower is engaged in the doctors, teachers, civil servants, lawyers, accountants, auditors, such as employment, or banking, securities, insurance and other financial professionals in the field, to apply for car loan, banks usually have a priority or preferential policies .
The ordinary consumer, or other sectors of the consumer looking for an intermediary company to apply for car loan will be relatively easier. However, these agencies will be to assess all aspects. The stability of work, family stability, a stable income people can get
To car loans. Revenue from the point of view, the car loan, mortgage loans, and so shall not exceed the total amount of time 50% of total income.
Credit line
Banks are provided for a maximum loan amount of the purchase price with no more than 80% of the net.
Reminder: In fact, 80 per cent of the loan is not essential, in order to avoid the risk of banks to provide up to 7 into a car loan.
Loan period
Auto loan period is generally three years, a maximum of five years. (Basic and are based on the three-year period)
The ordinary consumer, or other sectors of the consumer looking for an intermediary company to apply for car loan will be relatively easier. However, these agencies will be to assess all aspects. The stability of work, family stability, a stable income people can get
To car loans. Revenue from the point of view, the car loan, mortgage loans, and so shall not exceed the total amount of time 50% of total income.
Credit line
Banks are provided for a maximum loan amount of the purchase price with no more than 80% of the net.
Reminder: In fact, 80 per cent of the loan is not essential, in order to avoid the risk of banks to provide up to 7 into a car loan.
Loan period
Auto loan period is generally three years, a maximum of five years. (Basic and are based on the three-year period)
13 Oct 2008
Married more than a single loan is not easy
On the banks on housing loans in the second set of standards set down one after another, in an interview with reporters found, it is now not just a suite in the second loan are very harsh, in fact, many banks have stopped a second-hand housing loans, the only remaining The Bank for several second-hand housing loans has also been set up secret "threshold." The industry cautioned that the recent plans to buy second-hand housing owners, we must first buy a house before the lending policies of banks to understand the details of the minefields to avoid clever, or else signed loan shall not in an unenviable position.
Below 90 square meters down into the two have been canceled?
Miss Zhu wait-and-see for a long time, finally going to Nanjing to buy a set of second-hand housing. She has 100,000 yuan in cash on hand, has been listening to a friend that if the purchase of 90 square meters below the house down just as the two, so that she can count to buy 500,000 sets of the house. At present, the main city of Nanjing in accordance with the market price, Miss Zhu able to buy sets of about 60 square meters of second-hand housing.
Recently she went to the Ruijin Road in the vicinity of an intermediary to register their demand for buyers, brokers ask her detailed financial position to tell her to pay 100,000 yuan down payment of housing can only be a total 330,000 yuan from top to bottom, the main city Can only buy sets of 40 square meters of Dan Shitao's pretty good, but not during the loan can not be too long or paragraph.
It turned out that according to his agent, Nanjing, now the banks have called for the following 90 square meters of houses down into three, the highest percentage of loans was only 70 per cent, more banks are based on a realistic assessment of the price of housing loans to less than 70 per cent of the matter can be found everywhere.
Department of Industrial Bank, a mortgage told reporters, following 90 square meters down from second-hand housing put into a two-to three-shing is also among the earlier policy clear, the main purpose is to reduce the risk of the bank.
Married more than a single loan is not easy?
For fear that prices will be advanced by leaps and bounds next year, Mr. Lee and his girlfriend in the near future is looking room. On-line, they set eyes on the Yangtze River Road in the vicinity of second-hand housing, with an area of 90 square meters with a total 950,000 yuan. In support of the parents down to 300,000, while the remaining 650,000 yuan to basically loan. Lee consulted with Industrial and Commercial Bank of China Han Street branch office, the results of the mortgage staff to answer surprised them: If you are single, then the loan may be married than loans more difficult. The source explained that: because the bank worried that a single person's ability to repay is not stable enough, after all, is a single pay the debt, and the married person is two to repay the loan, the capital more secure.
Reporters then consulted with other banks, Fortunately, Bank of China, Construction Bank, and other banks for single and married there is no request is too harsh, a Bank of Communications said that sometimes a single strength is not no guarantee that the symbol of some Who is also a successful single, high-income consumer power, but rather the quality of their customers.
Jiangbei is not easy to second-hand housing loan?
In the interview, Jiangbei intend to buy second-hand housing units for buyers who should be most unfortunate. Mr. Zhao is one of the most recently his eyes set out the Riverside Metro's second-hand housing with a total 360,000 of his intention to 160,000 down payment loan of 200,000 as soon as possible, but wish to buy a house.
But things are not as good as he expected so smoothly, contact Mr. Zhao's Xinjiekou branch of China Merchants Bank, the staff told him that the move clear of second-hand housing loan firms must first of all in the age of 15 years, covering an area of 60 square meters, in addition to recruit Line of second-hand housing loans only to the main city of second-hand housing, Jiangning and not in Jiangbei loans.
Industrial Bank is not the same for Mr. Zhao loans, as the Industrial Bank loans only in the main city of Jiangning and staff that this policy is also out in the near future, the future will not cancel, said.
"High risk" in case of loans to a red light?
To buy second-hand housing loans in the near future, not only in the region, as well as the age of the area to take extra precautions in the choice of individual banks for loans to their own requirements to become harsh.
Industrial Bank said that they do business for those who do not buy second-hand housing loans, mainly due to absence of formal business unit, the no proof of steady income, especially to open the cafe owner, they will refuse to loan.
The bank's policy is that stability in the industry for those people the time of loan approval will be faster than the average person more than ten days.
Shenzhen Development Bank's head told reporters that did not account for the loans they will be asked to outsiders with a local contact Nanjing account, so as to ensure that the bank can not find the time to contact people from the local people. As for the lender's career also has strict requirements that a "high risk" of the industry were basically less than a loan, he explained that the so-called high-risk industries mainly refer to engage in the wholesale construction materials, the entertainment industry, bar owners, etc. , And for the stability of the industry, such as civil servants, teachers, public institutions, media personnel, doctors, nurses, IT professionals, and so will the green light all the way.
Below 90 square meters down into the two have been canceled?
Miss Zhu wait-and-see for a long time, finally going to Nanjing to buy a set of second-hand housing. She has 100,000 yuan in cash on hand, has been listening to a friend that if the purchase of 90 square meters below the house down just as the two, so that she can count to buy 500,000 sets of the house. At present, the main city of Nanjing in accordance with the market price, Miss Zhu able to buy sets of about 60 square meters of second-hand housing.
Recently she went to the Ruijin Road in the vicinity of an intermediary to register their demand for buyers, brokers ask her detailed financial position to tell her to pay 100,000 yuan down payment of housing can only be a total 330,000 yuan from top to bottom, the main city Can only buy sets of 40 square meters of Dan Shitao's pretty good, but not during the loan can not be too long or paragraph.
It turned out that according to his agent, Nanjing, now the banks have called for the following 90 square meters of houses down into three, the highest percentage of loans was only 70 per cent, more banks are based on a realistic assessment of the price of housing loans to less than 70 per cent of the matter can be found everywhere.
Department of Industrial Bank, a mortgage told reporters, following 90 square meters down from second-hand housing put into a two-to three-shing is also among the earlier policy clear, the main purpose is to reduce the risk of the bank.
Married more than a single loan is not easy?
For fear that prices will be advanced by leaps and bounds next year, Mr. Lee and his girlfriend in the near future is looking room. On-line, they set eyes on the Yangtze River Road in the vicinity of second-hand housing, with an area of 90 square meters with a total 950,000 yuan. In support of the parents down to 300,000, while the remaining 650,000 yuan to basically loan. Lee consulted with Industrial and Commercial Bank of China Han Street branch office, the results of the mortgage staff to answer surprised them: If you are single, then the loan may be married than loans more difficult. The source explained that: because the bank worried that a single person's ability to repay is not stable enough, after all, is a single pay the debt, and the married person is two to repay the loan, the capital more secure.
Reporters then consulted with other banks, Fortunately, Bank of China, Construction Bank, and other banks for single and married there is no request is too harsh, a Bank of Communications said that sometimes a single strength is not no guarantee that the symbol of some Who is also a successful single, high-income consumer power, but rather the quality of their customers.
Jiangbei is not easy to second-hand housing loan?
In the interview, Jiangbei intend to buy second-hand housing units for buyers who should be most unfortunate. Mr. Zhao is one of the most recently his eyes set out the Riverside Metro's second-hand housing with a total 360,000 of his intention to 160,000 down payment loan of 200,000 as soon as possible, but wish to buy a house.
But things are not as good as he expected so smoothly, contact Mr. Zhao's Xinjiekou branch of China Merchants Bank, the staff told him that the move clear of second-hand housing loan firms must first of all in the age of 15 years, covering an area of 60 square meters, in addition to recruit Line of second-hand housing loans only to the main city of second-hand housing, Jiangning and not in Jiangbei loans.
Industrial Bank is not the same for Mr. Zhao loans, as the Industrial Bank loans only in the main city of Jiangning and staff that this policy is also out in the near future, the future will not cancel, said.
"High risk" in case of loans to a red light?
To buy second-hand housing loans in the near future, not only in the region, as well as the age of the area to take extra precautions in the choice of individual banks for loans to their own requirements to become harsh.
Industrial Bank said that they do business for those who do not buy second-hand housing loans, mainly due to absence of formal business unit, the no proof of steady income, especially to open the cafe owner, they will refuse to loan.
The bank's policy is that stability in the industry for those people the time of loan approval will be faster than the average person more than ten days.
Shenzhen Development Bank's head told reporters that did not account for the loans they will be asked to outsiders with a local contact Nanjing account, so as to ensure that the bank can not find the time to contact people from the local people. As for the lender's career also has strict requirements that a "high risk" of the industry were basically less than a loan, he explained that the so-called high-risk industries mainly refer to engage in the wholesale construction materials, the entertainment industry, bar owners, etc. , And for the stability of the industry, such as civil servants, teachers, public institutions, media personnel, doctors, nurses, IT professionals, and so will the green light all the way.
12 Oct 2008
How many of the benefits of car loan?
Just like home loans, car purchase loans have become fashionable. If you do not have enough money to buy cars, buy a car loan to the purchaser will ease the financial pressure on the yen early on a dream car; if it has sufficient funds to buy a car loan will help the purchaser will increase the mobility of capital, to allow more money to give birth to Money.
It is understood that the current main bank loan to buy a car car loan, auto finance company loans, lease financing in three ways, then the consumer to choose what kind of loan would be more cost-effective manner, so that we may wish to Bibi Kan.
Bank car loan of $:% of the low interest rates, complicated procedures, high costs
Bank to provide personal automobile consumption loans is the most traditional model of a car loan, car loan offered by banks can be divided into "straight-off" and "off-between" two, "Inter-off" means that borrowers can First Bank of special car dealers to buy cars, to submit the relevant information on loan applications by banks on behalf of automobile dealers applying for the loan.
After investigation, the bank agreed to examination and approval, the loan signing of the contract, guarantee contracts, and handle notarization and insurance procedures. "Straight-off" means that borrowers would first go to applications for bank loans, the banks agreed to go after the special car dealers. Such loans generally life of three years up no more than 5 years (inclusive). People's Bank of China in accordance with the provisions of the loan interest rate of loan rates over the same period.
Advantage: the bank car loan has the advantage of relatively low interest rates, although the central bank raising interest rates again after the bank car loan interest rates also raise the 1-3-year interest rate from 6.03% to 6.30%, 3-5-year interest rate from 6.12% to 6.48%, compared with vehicle finance company as much as 8 percent more than the interest rate, quite a few low. Some banks in order to attract customers based on integrity quality, reduce the proportion of down payment, loan length of a long release, the loan interest rate to float downward, and other concessions.
Disadvantage: But the whole, complicated application procedures for bank car loan, the purchaser will need to provide supporting information as well as a number of banks authorized to be effective or the right to pledge collateral or compensatory ability of third-party guarantee. If the "inter-off" loans, also holds a special car dealers entered into agreements or contracts to buy cars and so on. If the local household registration is not required guarantor, a very complicated procedure, the loan rate was not high. As the number of banks in the recent case against the car loan, the bank will step up efforts loan, the loan must be more difficult to increase. In addition, some banks need to car loan to pay a variety of other costs, such as security fees, inspection fees, legal fees, mortgage fees, low-interest loans in the car than at the same time have to pay for financial companies is much higher fees. It is understood that the security companies to provide for the family car business loan guarantees, it is necessary to collect 1% of the loan amount to 1.2 percent annual rate of security staff and door-to-door services to the admissibility of the charges. If the purchaser of 150,000 yuan to buy cars, 100,000 loan, the loan period of 3 years, to pay 100,000 (loan amount) × 1% (annual rate of a security) × 3 = 3,000 yuan or 3600 yuan range The amount of security, and 600 yuan or 800 yuan accept the charges. Some dealers have an agreement with the bank, although no guarantee fee, but the condition is rather high as 200,000 yuan to buy the purchaser of the car, there are no other loans to borrowers with a monthly income of 8,000 yuan, 40% down payment required.
+ Car finance companies: high interest rates, simplicity, low cost
October 1, 2004 onwards, auto finance companies have engaged in financial business the right car, and then, General Motors, Ford, Volkswagen, Dongfeng Citroen, Toyota and other foreign auto giants in China one after another out of the car finance company. Automobile loans through finance companies have gradually become the purchaser will choose the way, and for its simplicity, and other advantages to a more rapid pace. It is understood that the automobile finance companies generally down 20% to 30% of the loan period of not more than 5 years. The purchaser intends to purchase selected models can belong to a car dealer's purchase, of course, must have automobile finance business start-up of the car brands and dealers. As long as the degree of good faith, the loan-to-be generally available.
Benefits: car finance companies more professional and humane. For example, GE Capital loans and intelligent public financial flexibility loans, consumers can be part of the loan amount (usually no more than 25%) as a flexible balance due, in the last month of the loan period of one-time payment, without taking into account the amount paid on , Will be able to make such a purchaser for the month was significantly lower than traditional credit for the month. Contract expires, consumers can have a variety of options: a one-time settlement of balance payment due flexibility to obtain full ownership of the vehicle; or balance due to the flexibility to apply for a further period of 12 months of the second loan; or with the assistance of dealers to second-hand New car replacement, the balance due will be deducted from the old cars at a discount. Overall, auto finance firms that provide car loan, the loan advantage of flexibility, simplicity. It is understood that in terms of loans, car finance company loans purchasers pay more attention to personal credit, education, income, and so are the reference standard, and the bank did not like to pledge, the field will not become a household access to credit Obstacles. In addition, the auto finance companies to lend loans fast, usually within a few days can be done.
On the other hand, auto finance companies than bank lending conditions relaxed. If the GMAC-SAIC Automotive Finance Company to apply for car loan, there is no limit accounts or real estate needs, the need to provide proof of residence or a valid residence booklet, any of the recent water / electric / coal / telephone payment documents, marriage certificate or divorce certificate , The designated bank debit cards, the borrower my driver's license, the borrower (spouse or a guarantor) effective identification, the borrower (spouse or a guarantor) of income to prove effective.
Disadvantage: auto finance company car loan is a disadvantage of higher lending rates, the 5-year interest rates have to be close to 9 percent, compared with the bank car loan rates, car finance companies lending rate to be higher than 2%.
Financing - rent. Rent /: low-down on low for a total expenditure of high -
At present, the first lease-purchase, rental Edge side is to buy a car purchase. It is understood that there are a number of specialized leasing companies and dealers as well as joint bank, financing through leasing car. That is, by bank loans, personal use as a lease, loan payment to the property rights of all individuals. At present, the hire purchase of consumer deposits in the form of security guarantee, credit rating, property security, mutual security, and so on. Installment period of up to 10 years.
Advantages: consumer services, hire purchase loans by lending benchmark interest rates, car loan with the bank to be down 20% to 30% compared to rent the consumer can choose to buy zero-down payment, license, insurance, purchase tax, motor vehicles and other decoration The cost of car hire can, for a monthly income of the purchaser in terms of high-pressure significantly reduced, and this form are not limited to the household registration requirements. Once the rent to buy gold for failing to pay can advance the deliberations, the purchaser will not be facing the vehicle to recover the disposal of the risk. In addition, the installment period of up to 10 years, the purchaser will have a month's loan to alleviate the pressure.
Disadvantage: However, in addition to a long period of payment, the advantages of zero-down payment, lease financing and bank loans are not much different from a cost point of view, there is no interest rate cut of 10% discount, compared to bank financing lease The new car loan, the total cost may be even more.
It is understood that the current main bank loan to buy a car car loan, auto finance company loans, lease financing in three ways, then the consumer to choose what kind of loan would be more cost-effective manner, so that we may wish to Bibi Kan.
Bank car loan of $:% of the low interest rates, complicated procedures, high costs
Bank to provide personal automobile consumption loans is the most traditional model of a car loan, car loan offered by banks can be divided into "straight-off" and "off-between" two, "Inter-off" means that borrowers can First Bank of special car dealers to buy cars, to submit the relevant information on loan applications by banks on behalf of automobile dealers applying for the loan.
After investigation, the bank agreed to examination and approval, the loan signing of the contract, guarantee contracts, and handle notarization and insurance procedures. "Straight-off" means that borrowers would first go to applications for bank loans, the banks agreed to go after the special car dealers. Such loans generally life of three years up no more than 5 years (inclusive). People's Bank of China in accordance with the provisions of the loan interest rate of loan rates over the same period.
Advantage: the bank car loan has the advantage of relatively low interest rates, although the central bank raising interest rates again after the bank car loan interest rates also raise the 1-3-year interest rate from 6.03% to 6.30%, 3-5-year interest rate from 6.12% to 6.48%, compared with vehicle finance company as much as 8 percent more than the interest rate, quite a few low. Some banks in order to attract customers based on integrity quality, reduce the proportion of down payment, loan length of a long release, the loan interest rate to float downward, and other concessions.
Disadvantage: But the whole, complicated application procedures for bank car loan, the purchaser will need to provide supporting information as well as a number of banks authorized to be effective or the right to pledge collateral or compensatory ability of third-party guarantee. If the "inter-off" loans, also holds a special car dealers entered into agreements or contracts to buy cars and so on. If the local household registration is not required guarantor, a very complicated procedure, the loan rate was not high. As the number of banks in the recent case against the car loan, the bank will step up efforts loan, the loan must be more difficult to increase. In addition, some banks need to car loan to pay a variety of other costs, such as security fees, inspection fees, legal fees, mortgage fees, low-interest loans in the car than at the same time have to pay for financial companies is much higher fees. It is understood that the security companies to provide for the family car business loan guarantees, it is necessary to collect 1% of the loan amount to 1.2 percent annual rate of security staff and door-to-door services to the admissibility of the charges. If the purchaser of 150,000 yuan to buy cars, 100,000 loan, the loan period of 3 years, to pay 100,000 (loan amount) × 1% (annual rate of a security) × 3 = 3,000 yuan or 3600 yuan range The amount of security, and 600 yuan or 800 yuan accept the charges. Some dealers have an agreement with the bank, although no guarantee fee, but the condition is rather high as 200,000 yuan to buy the purchaser of the car, there are no other loans to borrowers with a monthly income of 8,000 yuan, 40% down payment required.
+ Car finance companies: high interest rates, simplicity, low cost
October 1, 2004 onwards, auto finance companies have engaged in financial business the right car, and then, General Motors, Ford, Volkswagen, Dongfeng Citroen, Toyota and other foreign auto giants in China one after another out of the car finance company. Automobile loans through finance companies have gradually become the purchaser will choose the way, and for its simplicity, and other advantages to a more rapid pace. It is understood that the automobile finance companies generally down 20% to 30% of the loan period of not more than 5 years. The purchaser intends to purchase selected models can belong to a car dealer's purchase, of course, must have automobile finance business start-up of the car brands and dealers. As long as the degree of good faith, the loan-to-be generally available.
Benefits: car finance companies more professional and humane. For example, GE Capital loans and intelligent public financial flexibility loans, consumers can be part of the loan amount (usually no more than 25%) as a flexible balance due, in the last month of the loan period of one-time payment, without taking into account the amount paid on , Will be able to make such a purchaser for the month was significantly lower than traditional credit for the month. Contract expires, consumers can have a variety of options: a one-time settlement of balance payment due flexibility to obtain full ownership of the vehicle; or balance due to the flexibility to apply for a further period of 12 months of the second loan; or with the assistance of dealers to second-hand New car replacement, the balance due will be deducted from the old cars at a discount. Overall, auto finance firms that provide car loan, the loan advantage of flexibility, simplicity. It is understood that in terms of loans, car finance company loans purchasers pay more attention to personal credit, education, income, and so are the reference standard, and the bank did not like to pledge, the field will not become a household access to credit Obstacles. In addition, the auto finance companies to lend loans fast, usually within a few days can be done.
On the other hand, auto finance companies than bank lending conditions relaxed. If the GMAC-SAIC Automotive Finance Company to apply for car loan, there is no limit accounts or real estate needs, the need to provide proof of residence or a valid residence booklet, any of the recent water / electric / coal / telephone payment documents, marriage certificate or divorce certificate , The designated bank debit cards, the borrower my driver's license, the borrower (spouse or a guarantor) effective identification, the borrower (spouse or a guarantor) of income to prove effective.
Disadvantage: auto finance company car loan is a disadvantage of higher lending rates, the 5-year interest rates have to be close to 9 percent, compared with the bank car loan rates, car finance companies lending rate to be higher than 2%.
Financing - rent. Rent /: low-down on low for a total expenditure of high -
At present, the first lease-purchase, rental Edge side is to buy a car purchase. It is understood that there are a number of specialized leasing companies and dealers as well as joint bank, financing through leasing car. That is, by bank loans, personal use as a lease, loan payment to the property rights of all individuals. At present, the hire purchase of consumer deposits in the form of security guarantee, credit rating, property security, mutual security, and so on. Installment period of up to 10 years.
Advantages: consumer services, hire purchase loans by lending benchmark interest rates, car loan with the bank to be down 20% to 30% compared to rent the consumer can choose to buy zero-down payment, license, insurance, purchase tax, motor vehicles and other decoration The cost of car hire can, for a monthly income of the purchaser in terms of high-pressure significantly reduced, and this form are not limited to the household registration requirements. Once the rent to buy gold for failing to pay can advance the deliberations, the purchaser will not be facing the vehicle to recover the disposal of the risk. In addition, the installment period of up to 10 years, the purchaser will have a month's loan to alleviate the pressure.
Disadvantage: However, in addition to a long period of payment, the advantages of zero-down payment, lease financing and bank loans are not much different from a cost point of view, there is no interest rate cut of 10% discount, compared to bank financing lease The new car loan, the total cost may be even more.
9 Oct 2008
Some common loan fraud alert
First, the national personal unsecured loan (or interest-free loans, etc.)
Currently on the Internet there were a lot of so-called national network, unsecured loans unsecured personal loans, these so-called "loan", "Loan Group" that are: do not limit you in what areas you do not need any collateral, ID cards can only give you a loan.
Such information are fraudulent, Chinese net loans (Loancn.com) Please note that your risk:
Fraud features:
1, the first big name companies, the so-called "integrity group" "xx loan group" "xx loan group," and so on, these companies can not exist, the business sector can not allow such registration of company names.
2, and some will be counterfeit or well-known bank in the name of the company, but did not address, nor can it provide a real company business license and personal ID cards.
3, advertising only to provide general information and contact phone number, cell phone number inquiries, we can see that publishers focus on a few provinces at home.
4, easy lending conditions that do not also need to see revenue unsecured, is basically a credit card can be.
5, when the loan-to-order are inviting, the liar will first require the use of the reasons that charge, such as the "interest, legal fees, verification fees, insurance premiums, fees, bonds," and so on.
6, when the first loan to pay for and found the liar can no longer call sense mobile phones, and even some of the credit for those who do not know each other's company, personal name, identity card, even in the other side where no one knows already Deceived.
Second, by telephone or fishing sites to cheat the bank card number and password
Fraudsters through the Internet or mobile phone text messages so-called mass-loan information, loan conditions are also very simple, and not in your face-to-face contact with the case have lied on the loan, the fraudsters will provide a telephone to make inquiries on whether the loan Has arrive, in fact, the phone is a liar own voice gateways, when Shou Pianzhe voice input in accordance with the bank card number and password, fraudsters had access to the password, and then quickly Shou Pianzhe account of the looted funds.
In this prompt:
1, each bank has its own special service numbers, such as the ICBC's 95,588, 95,555 and so on the line move, do not you call the familiar telephone inquiries to their bank accounts.
2, each bank has its own Web site, please see the Web site domain name carefully, and not to non-bank site entering their bank cards and passwords.
Anti-cheating sum up: the sky will not Diaoxian Bing, will greed so please pay attention to the risk of being cheated:
1, only a handful of banks opened for some areas of personal unsecured lending products, but also in accordance with the formal processes: I need to bring relevant information to the original banks face-to-face to sign the loan contract to provide pay cards such as bank statements.
2, go to the other party's site to see, face-to-face contact and enter into a formal contract, there is no purely on the network to communicate solely in the phone operator will be able to communicate loans have magical powers.
3, the signing of the contract when the other party to retain the company's business license and a copy of a copy of ID card and to clarify the authenticity. (Industrial and commercial enterprises through the authenticity of the website, personal identity through cell phone text messages or inquiries id5.cn online).
4, look up your account, visit the bank's regular Web site or call the Bank of Te Fuhao code to prevent individual bank cards and passwords leak.
5, in the loan account before you, let us not pre-pay any costs.
Chinese net loans (Loancn.com) since 2004 has been set up using the identity of the real-name registration of members and credit information of first instance, determined to clear false information. However, because some members did not carry out real-name authentication, as well as the openness of the Internet can not be foolproof. Liar and probably by telephone and e-mail such as direct contact with you, let your sweet words have been deceived.
Therefore, this site would like to remind you pay attention to risk.
1, if China is a net loan (Loancn.com) information, check out each other's membership level, the company provides a business license and personal ID cards of the members will be eye-catching logo.
2, If you do not recognize the existence of risk, but also with customer service site, we will do our best to provide you with the loan feasible solution.
Currently on the Internet there were a lot of so-called national network, unsecured loans unsecured personal loans, these so-called "loan", "Loan Group" that are: do not limit you in what areas you do not need any collateral, ID cards can only give you a loan.
Such information are fraudulent, Chinese net loans (Loancn.com) Please note that your risk:
Fraud features:
1, the first big name companies, the so-called "integrity group" "xx loan group" "xx loan group," and so on, these companies can not exist, the business sector can not allow such registration of company names.
2, and some will be counterfeit or well-known bank in the name of the company, but did not address, nor can it provide a real company business license and personal ID cards.
3, advertising only to provide general information and contact phone number, cell phone number inquiries, we can see that publishers focus on a few provinces at home.
4, easy lending conditions that do not also need to see revenue unsecured, is basically a credit card can be.
5, when the loan-to-order are inviting, the liar will first require the use of the reasons that charge, such as the "interest, legal fees, verification fees, insurance premiums, fees, bonds," and so on.
6, when the first loan to pay for and found the liar can no longer call sense mobile phones, and even some of the credit for those who do not know each other's company, personal name, identity card, even in the other side where no one knows already Deceived.
Second, by telephone or fishing sites to cheat the bank card number and password
Fraudsters through the Internet or mobile phone text messages so-called mass-loan information, loan conditions are also very simple, and not in your face-to-face contact with the case have lied on the loan, the fraudsters will provide a telephone to make inquiries on whether the loan Has arrive, in fact, the phone is a liar own voice gateways, when Shou Pianzhe voice input in accordance with the bank card number and password, fraudsters had access to the password, and then quickly Shou Pianzhe account of the looted funds.
In this prompt:
1, each bank has its own special service numbers, such as the ICBC's 95,588, 95,555 and so on the line move, do not you call the familiar telephone inquiries to their bank accounts.
2, each bank has its own Web site, please see the Web site domain name carefully, and not to non-bank site entering their bank cards and passwords.
Anti-cheating sum up: the sky will not Diaoxian Bing, will greed so please pay attention to the risk of being cheated:
1, only a handful of banks opened for some areas of personal unsecured lending products, but also in accordance with the formal processes: I need to bring relevant information to the original banks face-to-face to sign the loan contract to provide pay cards such as bank statements.
2, go to the other party's site to see, face-to-face contact and enter into a formal contract, there is no purely on the network to communicate solely in the phone operator will be able to communicate loans have magical powers.
3, the signing of the contract when the other party to retain the company's business license and a copy of a copy of ID card and to clarify the authenticity. (Industrial and commercial enterprises through the authenticity of the website, personal identity through cell phone text messages or inquiries id5.cn online).
4, look up your account, visit the bank's regular Web site or call the Bank of Te Fuhao code to prevent individual bank cards and passwords leak.
5, in the loan account before you, let us not pre-pay any costs.
Chinese net loans (Loancn.com) since 2004 has been set up using the identity of the real-name registration of members and credit information of first instance, determined to clear false information. However, because some members did not carry out real-name authentication, as well as the openness of the Internet can not be foolproof. Liar and probably by telephone and e-mail such as direct contact with you, let your sweet words have been deceived.
Therefore, this site would like to remind you pay attention to risk.
1, if China is a net loan (Loancn.com) information, check out each other's membership level, the company provides a business license and personal ID cards of the members will be eye-catching logo.
2, If you do not recognize the existence of risk, but also with customer service site, we will do our best to provide you with the loan feasible solution.
7 Oct 2008
Bank of England interest rate mortgages dropped three-January
U.S. loan crisis meeting after the outbreak of the British property market also affected the latest data show that in July the UK average price of housing a year-on-year decline in 7 years, most of that, in order to stimulate the market, the United Kingdom mortgage loans will also have a lower interest rate Lower.
London real estate research firm issued 27 reports, in July in England and Wales alone the average housing price in the same period last year, down 4.4 percent, fell to 168,500 pounds, or higher than June's 1.2 percent for 2001, the Census and Statistics The biggest monthly decline since. Professionals have pointed out that in view of the current housing market uncertainty in the short term is unlikely to disappear, the sale transaction is expected to housing will continue to be held in check, downward price pressure will continue until this fall.
In the face of continued weakness in the market, Britain's largest mortgage provider Halifax Bank have announced lower mortgage interest rates again, the biggest drop of up to 0.3 percent, involving 16 kinds of products, mortgage loans, which is in the bank The third time within a month to lower mortgage interest rates. The Bank of Scotland also said it would reduce the 25 kinds of mortgage products, mortgage interest rates. Analysis of the view that although banks continued to lower lending rates, but with the Bank of England's benchmark interest rate of 5% compared to loan interest rates obviously still on the high side, there is the possibility of further decline.
London real estate research firm issued 27 reports, in July in England and Wales alone the average housing price in the same period last year, down 4.4 percent, fell to 168,500 pounds, or higher than June's 1.2 percent for 2001, the Census and Statistics The biggest monthly decline since. Professionals have pointed out that in view of the current housing market uncertainty in the short term is unlikely to disappear, the sale transaction is expected to housing will continue to be held in check, downward price pressure will continue until this fall.
In the face of continued weakness in the market, Britain's largest mortgage provider Halifax Bank have announced lower mortgage interest rates again, the biggest drop of up to 0.3 percent, involving 16 kinds of products, mortgage loans, which is in the bank The third time within a month to lower mortgage interest rates. The Bank of Scotland also said it would reduce the 25 kinds of mortgage products, mortgage interest rates. Analysis of the view that although banks continued to lower lending rates, but with the Bank of England's benchmark interest rate of 5% compared to loan interest rates obviously still on the high side, there is the possibility of further decline.
19 Sept 2008
Auto loans
Auto loan management
Chapter I General Provisions
The first specification for the car loan business management, to guard against the risk of car loans, car loans to promote the healthy development of the business, according to the "People's Bank of China People's Republic of China law," and "People's Republic of China Commercial Bank Law" and "People's Republic of China Banking Regulatory Act "Law, enacted in this way.
The second term car loan is the lender to the borrower's payment for the purchase of motor vehicles (including second-hand car) loan, including the personal car loans, car dealer car loans and loans institutions.
The third term refers to the lender in the territory of the People's Republic of China in accordance with the law established by the China Banking Regulatory Commission sent its approval to conduct RMB business loans of commercial banks, urban and rural credit cooperatives and allowed to operate a car loan business Non-bank financial institutions.
Article IV The term refers to the car through the car loan borrowers to purchase, are non-profit car; vehicle is the borrower through the purchase of a car loan, for-profit car; is the second-hand car from the End for motor vehicle registration requirements to the end-of-life period a year before the change of ownership and transfer procedures in accordance with the law for the car.
Article V car loan interest rates announced by the People's Bank of China in accordance with the provisions of the loan interest rate, terms, interest rates knot method for borrowers and lenders to determine consensus.
Article VI of the car loan term (including extension) should not exceed 5 years, including used-car loan period (including extension) should not exceed 3 years, the car dealer loan period should not exceed 1 year.
Article VII of both lenders and borrowers should follow the equality, voluntary, honest, trustworthy.
The second chapter of personal car loans
The term of Article VIII of the personal car loans, is the personal loan to the borrower's payment for the purchase of auto loans.
Article 9 of the borrower to apply for personal car loans, at the same time should meet the following conditions:
(A) of the People's Republic of China citizens or territory of the People's Republic of China to live more than a year in a row (including one year) of Hong Kong, Macao and Taiwan residents and foreigners;
(B) have a valid proof of identity, and a fixed address in detail and with full civil capacity;
(C) a stable legal income sufficient to repay the loan principal and interest or the legal personal assets;
(D) a good personal credit;
(E) of the way provisions to pay the down payment;
(F) requests for loans of other terms.
Article X of the loans were issued personal car loans, should be integrated into account the following factors to determine the loan amount, duration, interest rates and debt servicing of loans, and so on the way:
(A) loans on the borrower's credit rating situation;
(B) loan guarantees situation;
(C) the purchase of motor vehicles and the use of performance;
(D) the development of the automotive industry and automotive market demand and supply.
Article 11 of the lender should the borrower to establish credit files. Borrower credit files should contain the following:
(A) the borrower name, address, valid identification and effective manner;
(B) the borrower's credit status and income level of proof;
(C) the purchase agreement to buy cars, car model, engine, frame, with the price of car use;
(D) of the loan amount, duration, interest rates, repayment methods and security situation;
(E) collection record Loan;
(Vi) to guard against the risk of lending requirements and other information.
Article XII of the lender paid personal vehicle loans, with the exception of the way provisions of Article 11, should the borrower credit files of the commercial vehicle operators to increase the annual inspection certificate, vehicle depreciation, insurance and so on the situation.
Chapter III of the dealer for a car loan
Article XIII The term dealer for a car loan, the lender is the car to the dealer paid for the purchase of vehicles and (or) parts of the loan.
Article XIV of the borrower to apply for a car loan dealers, it should be at the same time with the following conditions:
(A) with industrial and commercial administrative department in charge of the issuance of corporate business license and proof of inspection;
(B) car manufacturers have issued proof of auto sales agent;
(C) of assets and liabilities not rates of more than 80%;
(D) with the stability of legitimate income sufficient to repay the loan principal and interest or the legitimate assets;
(E) distributors, dealers and distributors senior management of loan applications accepted on behalf of clients without a material breach or bad credit records;
(F) requests for loans of other terms.
Article 15th of each lender should the borrower to establish an independent distributor of credit files, and updated in a timely manner. Dealer credit files should contain the following:
(A) of the dealer's name, business address and legal representative;
(B) copies of all types of business licenses;
(C) dealers to buy insurance, commercial credit and financial situation;
(D) of the People's Bank of China issued the credit card ();
(E) the purchase of motor vehicles and parts and components of the model, price and use;
(F) status of loan guarantees;
(G) to guard against the risk of loans and other required information.
The 16th article of the lender and the dealer procurement of vehicles (or) parts of the loan amount of the loan should be a period of time, the average dealer inventory based on the specific period should be as dealers inventory turnover on the situation.
Article XVII lenders should regularly take inventory and car dealers (or) spare parts inventory and analysis of financial statements such as distributors, dealers on a regular basis for review of the credit, depending on the results of the review and adjust the credit dealer inventory levels and the frequency of .
Chapter IV of the agency for a car loan
Article 18th term for a car loan institutions, is the lender in addition to the dealer other than the legal person, other economic organizations (hereinafter referred to as institutional borrowers) issued for the purchase of auto loans.
Article XIX borrowers to apply for a car loan institutions, must meet the following conditions:
(A) enterprises or institutions to register with authorities issued by the corporate business license or certificate of legal persons and institutions, such as proof of a borrower with a legal personality of the legal documents;
(B) have a legitimate, stable or adequate income to repay the loan principal and interest of legitimate assets;
(C) be able to pay for this approach provided for the down payment;
(D) no material breach or a bad credit record;
(E) required by lenders other conditions.
Article 20 should be the lender of this approach to the 15th article of the provisions for each agency to establish an independent borrower's credit file, follow-up to strengthen the monitoring of credit risk.
Article XXI of the lender engaged in the business of car rental agencies commercial vehicle sector loans, borrowers should be monitored to estimate the residual value on the way to guard against over-estimating the residual value to the lender of the risk.
Chapter Risk Management
Twenty-second article lender car loan payment should not exceed the amount the borrower to purchase 80% of car price; commercial vehicle loan payment should not exceed the amount the borrower to purchase 70% of the prices of motor vehicles; second-hand car loan payment of the amount shall not exceed Borrowers to buy the car prices by 50%.
Referred to in the preceding paragraph car prices, the new car is the car frame实际成交价(not including various types of value-added tax, fees and premiums, etc.) and car manufacturer announced the lower prices for used cars is the actual vehicle transactions The price (not including various types of value-added tax, fees and premiums, etc.) and lenders to assess the price lower.
Article twenty-lender should the borrower to establish credit rating systems, careful to identify the borrower's credit level. Of the individual borrowers, according to their occupation, income, repayment ability, credit history and other factors determine the level of credit; of dealers and loan institutions, should be reflected in their credit file, the senior management of credit, Financial situation, credit history and other factors determine the level of credit.
The 24th article lender paid for a car loan, the borrower should be required to provide the vehicle to buy mortgage or other security effectively.
25th lender should be entrusted to designated dealers or directly accept applications for car loans, loan separation perfecting a system to strengthen the loan before the loan review and follow-up after the collection of work.
26th lender should be set up second-hand car market and second-hand car database to estimate the residual value of the system.
27th lender should be based on the amount of the loan, the geographical distribution of loans, borrowers financial situation, automobile brands, the establishment of such factors as collateral for a car loan classification system to monitor different types of risk for a car loan to carry out regular inspection to assess. According to the inspection results of the assessment, various types of car loans in a timely manner to adjust the level of risk.
The 28th article lender for a car loan should be established early warning monitoring system, the development of early warning standards; more than the standard warning should be taken after the re-evaluation of the loan approval system.
The 29th article lender should be established to deal with non-performing loan classification system and the prudent loan loss system, the corresponding provision of risk to prepare.
The 30th article release mortgage lender, should be carefully assessed value of the collateral, and give full consideration to the risk of impairment of collateral, to set the maximum rate mortgage.
Article 31 should be the lender of auto loans to credit-related information in a timely manner entry registration system consulting and other lenders and the establishment of information exchange system.
Chapter I General Provisions
The first specification for the car loan business management, to guard against the risk of car loans, car loans to promote the healthy development of the business, according to the "People's Bank of China People's Republic of China law," and "People's Republic of China Commercial Bank Law" and "People's Republic of China Banking Regulatory Act "Law, enacted in this way.
The second term car loan is the lender to the borrower's payment for the purchase of motor vehicles (including second-hand car) loan, including the personal car loans, car dealer car loans and loans institutions.
The third term refers to the lender in the territory of the People's Republic of China in accordance with the law established by the China Banking Regulatory Commission sent its approval to conduct RMB business loans of commercial banks, urban and rural credit cooperatives and allowed to operate a car loan business Non-bank financial institutions.
Article IV The term refers to the car through the car loan borrowers to purchase, are non-profit car; vehicle is the borrower through the purchase of a car loan, for-profit car; is the second-hand car from the End for motor vehicle registration requirements to the end-of-life period a year before the change of ownership and transfer procedures in accordance with the law for the car.
Article V car loan interest rates announced by the People's Bank of China in accordance with the provisions of the loan interest rate, terms, interest rates knot method for borrowers and lenders to determine consensus.
Article VI of the car loan term (including extension) should not exceed 5 years, including used-car loan period (including extension) should not exceed 3 years, the car dealer loan period should not exceed 1 year.
Article VII of both lenders and borrowers should follow the equality, voluntary, honest, trustworthy.
The second chapter of personal car loans
The term of Article VIII of the personal car loans, is the personal loan to the borrower's payment for the purchase of auto loans.
Article 9 of the borrower to apply for personal car loans, at the same time should meet the following conditions:
(A) of the People's Republic of China citizens or territory of the People's Republic of China to live more than a year in a row (including one year) of Hong Kong, Macao and Taiwan residents and foreigners;
(B) have a valid proof of identity, and a fixed address in detail and with full civil capacity;
(C) a stable legal income sufficient to repay the loan principal and interest or the legal personal assets;
(D) a good personal credit;
(E) of the way provisions to pay the down payment;
(F) requests for loans of other terms.
Article X of the loans were issued personal car loans, should be integrated into account the following factors to determine the loan amount, duration, interest rates and debt servicing of loans, and so on the way:
(A) loans on the borrower's credit rating situation;
(B) loan guarantees situation;
(C) the purchase of motor vehicles and the use of performance;
(D) the development of the automotive industry and automotive market demand and supply.
Article 11 of the lender should the borrower to establish credit files. Borrower credit files should contain the following:
(A) the borrower name, address, valid identification and effective manner;
(B) the borrower's credit status and income level of proof;
(C) the purchase agreement to buy cars, car model, engine, frame, with the price of car use;
(D) of the loan amount, duration, interest rates, repayment methods and security situation;
(E) collection record Loan;
(Vi) to guard against the risk of lending requirements and other information.
Article XII of the lender paid personal vehicle loans, with the exception of the way provisions of Article 11, should the borrower credit files of the commercial vehicle operators to increase the annual inspection certificate, vehicle depreciation, insurance and so on the situation.
Chapter III of the dealer for a car loan
Article XIII The term dealer for a car loan, the lender is the car to the dealer paid for the purchase of vehicles and (or) parts of the loan.
Article XIV of the borrower to apply for a car loan dealers, it should be at the same time with the following conditions:
(A) with industrial and commercial administrative department in charge of the issuance of corporate business license and proof of inspection;
(B) car manufacturers have issued proof of auto sales agent;
(C) of assets and liabilities not rates of more than 80%;
(D) with the stability of legitimate income sufficient to repay the loan principal and interest or the legitimate assets;
(E) distributors, dealers and distributors senior management of loan applications accepted on behalf of clients without a material breach or bad credit records;
(F) requests for loans of other terms.
Article 15th of each lender should the borrower to establish an independent distributor of credit files, and updated in a timely manner. Dealer credit files should contain the following:
(A) of the dealer's name, business address and legal representative;
(B) copies of all types of business licenses;
(C) dealers to buy insurance, commercial credit and financial situation;
(D) of the People's Bank of China issued the credit card ();
(E) the purchase of motor vehicles and parts and components of the model, price and use;
(F) status of loan guarantees;
(G) to guard against the risk of loans and other required information.
The 16th article of the lender and the dealer procurement of vehicles (or) parts of the loan amount of the loan should be a period of time, the average dealer inventory based on the specific period should be as dealers inventory turnover on the situation.
Article XVII lenders should regularly take inventory and car dealers (or) spare parts inventory and analysis of financial statements such as distributors, dealers on a regular basis for review of the credit, depending on the results of the review and adjust the credit dealer inventory levels and the frequency of .
Chapter IV of the agency for a car loan
Article 18th term for a car loan institutions, is the lender in addition to the dealer other than the legal person, other economic organizations (hereinafter referred to as institutional borrowers) issued for the purchase of auto loans.
Article XIX borrowers to apply for a car loan institutions, must meet the following conditions:
(A) enterprises or institutions to register with authorities issued by the corporate business license or certificate of legal persons and institutions, such as proof of a borrower with a legal personality of the legal documents;
(B) have a legitimate, stable or adequate income to repay the loan principal and interest of legitimate assets;
(C) be able to pay for this approach provided for the down payment;
(D) no material breach or a bad credit record;
(E) required by lenders other conditions.
Article 20 should be the lender of this approach to the 15th article of the provisions for each agency to establish an independent borrower's credit file, follow-up to strengthen the monitoring of credit risk.
Article XXI of the lender engaged in the business of car rental agencies commercial vehicle sector loans, borrowers should be monitored to estimate the residual value on the way to guard against over-estimating the residual value to the lender of the risk.
Chapter Risk Management
Twenty-second article lender car loan payment should not exceed the amount the borrower to purchase 80% of car price; commercial vehicle loan payment should not exceed the amount the borrower to purchase 70% of the prices of motor vehicles; second-hand car loan payment of the amount shall not exceed Borrowers to buy the car prices by 50%.
Referred to in the preceding paragraph car prices, the new car is the car frame实际成交价(not including various types of value-added tax, fees and premiums, etc.) and car manufacturer announced the lower prices for used cars is the actual vehicle transactions The price (not including various types of value-added tax, fees and premiums, etc.) and lenders to assess the price lower.
Article twenty-lender should the borrower to establish credit rating systems, careful to identify the borrower's credit level. Of the individual borrowers, according to their occupation, income, repayment ability, credit history and other factors determine the level of credit; of dealers and loan institutions, should be reflected in their credit file, the senior management of credit, Financial situation, credit history and other factors determine the level of credit.
The 24th article lender paid for a car loan, the borrower should be required to provide the vehicle to buy mortgage or other security effectively.
25th lender should be entrusted to designated dealers or directly accept applications for car loans, loan separation perfecting a system to strengthen the loan before the loan review and follow-up after the collection of work.
26th lender should be set up second-hand car market and second-hand car database to estimate the residual value of the system.
27th lender should be based on the amount of the loan, the geographical distribution of loans, borrowers financial situation, automobile brands, the establishment of such factors as collateral for a car loan classification system to monitor different types of risk for a car loan to carry out regular inspection to assess. According to the inspection results of the assessment, various types of car loans in a timely manner to adjust the level of risk.
The 28th article lender for a car loan should be established early warning monitoring system, the development of early warning standards; more than the standard warning should be taken after the re-evaluation of the loan approval system.
The 29th article lender should be established to deal with non-performing loan classification system and the prudent loan loss system, the corresponding provision of risk to prepare.
The 30th article release mortgage lender, should be carefully assessed value of the collateral, and give full consideration to the risk of impairment of collateral, to set the maximum rate mortgage.
Article 31 should be the lender of auto loans to credit-related information in a timely manner entry registration system consulting and other lenders and the establishment of information exchange system.
1 Aug 2008
Focus car 3 • 15: Revelation vehicle replacement experts large traps 13
The past two years become a vehicle replacement auto market hot. Some brands sell to consumers often shop sales consultants will hear this recommendation: "As long as you will own the replacement of old vehicles to our shop, and added that money can buy Zheliang new car." Relevant data, 2007 Beijing, 36 percent of consumers prepared to change or to buy second-hand cars.
With the rise of replacement business, various problems have begun to appear. Owners have reflected the second half of 2006, a 4 S stores held offers, the owners would like to change the hands of the Xiali, a new car, Jiang Jukai valuation to the shop. Beyond the car owners expected that the assessment of the division only out of the purchase price of 4,000 yuan. And afterwards, Jiang Jukai owners of old vehicles to a trading market is the price to 8,300 yuan turnover.
It is understood that the domestic mainstream brands 4 S stores, such as FAW-Volkswagen, FAW Toyota, Dongfeng Nissan, and so have launched a replacement business. But compared to a single car or selling cars, automotive replacement process should be more complicated, "a small amount of money spent Mailiang new car," the slogan of many owners it echocardiography, but not regular consumers if the sales of stores Replacement car, slightly Buliu Shen, vehicle replacement in the old process of a new, one of a Progressive, and they may fall into the trap on a Buliu Shen. For example, by lowering prices, subsidies cost more than expected, the marketing name of the "preferential car" - these people Fangbushengfang.
Insiders said that the current replacement in the course of the many issues on the one hand because the current flawed system of assessment of used cars, foreign used cars in evaluating agencies identified by a third party, but the acquisition of domestic cars is the main brand stores And the old market, which is due to the interests of one party, there will be lower in price, which many controlled by the intermediary agencies, the procedures may be inadequate. On the other hand, replacement of old vehicles in a number of shops in the operation of the lack of transparency, some people fish in troubled waters.
In fact, except for the operators to strengthen the norms, consumers decided to carry out replacement of old vehicles should also be studying the replacement of related knowledge, master certain skills, so as to avoid their hoodwinked. For example, replacement before understanding the acquisition market, understand the shop replacement for information, find knowledgeable friend to do the consultants, these can effectively avoid unscrupulous traders of deception. Because how to safeguard their own rights, the key is your own hands. To this end, we produced a "special planning 3 15" feature, the replacement of old vehicles to consumers revealed in the 13 issues, which trap 1 to 4 for old problems in the assessment process, five to 13 traps in the purchase of new In the course of cars.
With the rise of replacement business, various problems have begun to appear. Owners have reflected the second half of 2006, a 4 S stores held offers, the owners would like to change the hands of the Xiali, a new car, Jiang Jukai valuation to the shop. Beyond the car owners expected that the assessment of the division only out of the purchase price of 4,000 yuan. And afterwards, Jiang Jukai owners of old vehicles to a trading market is the price to 8,300 yuan turnover.
It is understood that the domestic mainstream brands 4 S stores, such as FAW-Volkswagen, FAW Toyota, Dongfeng Nissan, and so have launched a replacement business. But compared to a single car or selling cars, automotive replacement process should be more complicated, "a small amount of money spent Mailiang new car," the slogan of many owners it echocardiography, but not regular consumers if the sales of stores Replacement car, slightly Buliu Shen, vehicle replacement in the old process of a new, one of a Progressive, and they may fall into the trap on a Buliu Shen. For example, by lowering prices, subsidies cost more than expected, the marketing name of the "preferential car" - these people Fangbushengfang.
Insiders said that the current replacement in the course of the many issues on the one hand because the current flawed system of assessment of used cars, foreign used cars in evaluating agencies identified by a third party, but the acquisition of domestic cars is the main brand stores And the old market, which is due to the interests of one party, there will be lower in price, which many controlled by the intermediary agencies, the procedures may be inadequate. On the other hand, replacement of old vehicles in a number of shops in the operation of the lack of transparency, some people fish in troubled waters.
In fact, except for the operators to strengthen the norms, consumers decided to carry out replacement of old vehicles should also be studying the replacement of related knowledge, master certain skills, so as to avoid their hoodwinked. For example, replacement before understanding the acquisition market, understand the shop replacement for information, find knowledgeable friend to do the consultants, these can effectively avoid unscrupulous traders of deception. Because how to safeguard their own rights, the key is your own hands. To this end, we produced a "special planning 3 15" feature, the replacement of old vehicles to consumers revealed in the 13 issues, which trap 1 to 4 for old problems in the assessment process, five to 13 traps in the purchase of new In the course of cars.
Car loan information for car buyers
First, car notes
At present, the automobile consumption credit business and can not be widely carried out. Sales of motor vehicles and general business compared to only apply to China's small number of reputable, but lack the purchasing power of the one-time payment, so it is necessary to the organizer (dealers, banks, insurance sector) and meticulous work well in the pre-publicity for Advisory, provide a "car notes."
The notes include: business overview, the purchaser should have the conditions and provide the necessary information, operational processes and attention to matters.
(Uses) for the consultation and publicity.
Automobile consumption credit car notes
× × from banks, × × enterprises, × × insurance company launched the latest model cars consumer credit, and to the people's life, processing simple and efficient, reasonable cost, we are all the trouble to resolve. Please put your car in the application prior to carefully read this <>.
(A) car:
Not less than prepaid customers cars ×% of the funds, the balance to the banks for a maximum of × in the special fund loans, loan guarantees provided by the dealer.
(B) loan by the purchaser with the conditions:
1. × with the city × × × urban areas accounts, fixed residence.
2.25 ~ 60 years of age between individuals.
3. Loans were authorized to provide the pledge, mortgage or third party guarantees.
4. To have a stable job, stable income, with arranging to pay the principal and interest of the ability of the car.
5. Willing to accept the loans were deemed necessary by other conditions.
(C) car loans should the information provided:
1. I ID 2. Account of the three. Driving documents 4. Shelter to live 5. 2 inch-sized photographs 6. Income, the Labour proved 7. Berth parking permits
Notes: 1. Information required by the original and three copies of
2. Co-purchaser and the guarantor should also provide information on people in the car of the 1,2,4,6
(4) operational procedures:
To the point at retail outlets consulting and advisory
Will pay the information provided by dealers of First Instance
Selected models, and distributors signed <>
The first payment will be deposited into the designated account, to submit to the bank (for automobile consumption loans)
By <>, directly to the banks arranging the return of principal and interest of loans
Procedures for vehicle dealers and home delivery vehicles
For insurance, mortgage registration, notarization, and other procedures
Bank accepted, approved and signed <>
(5) Other matters:
1. Vehicle insurance should be designated for the insurance company, the insurance is a necessary: Jusun Xian, third party liability insurance, emergency funding, excluding Mianpei insurance and hire-purchase credit insurance or guarantee insurance.
2. Notarized by the cost of buying and selling of mutual commitment to a half.
3. Purchase loans were still fixed, will pay a guarantee fee. Standard rates to its base loan amount, one-year 1 percent, 2 percent of 2002, the three-year 3 per cent.
4. Implemented through-train service, but for vehicles of all households who bear the cost by car, the user still needs to pay agent fees × yuan each. <> required for their users.
At present, the automobile consumption credit business and can not be widely carried out. Sales of motor vehicles and general business compared to only apply to China's small number of reputable, but lack the purchasing power of the one-time payment, so it is necessary to the organizer (dealers, banks, insurance sector) and meticulous work well in the pre-publicity for Advisory, provide a "car notes."
The notes include: business overview, the purchaser should have the conditions and provide the necessary information, operational processes and attention to matters.
(Uses) for the consultation and publicity.
Automobile consumption credit car notes
× × from banks, × × enterprises, × × insurance company launched the latest model cars consumer credit, and to the people's life, processing simple and efficient, reasonable cost, we are all the trouble to resolve. Please put your car in the application prior to carefully read this <
(A) car:
Not less than prepaid customers cars ×% of the funds, the balance to the banks for a maximum of × in the special fund loans, loan guarantees provided by the dealer.
(B) loan by the purchaser with the conditions:
1. × with the city × × × urban areas accounts, fixed residence.
2.25 ~ 60 years of age between individuals.
3. Loans were authorized to provide the pledge, mortgage or third party guarantees.
4. To have a stable job, stable income, with arranging to pay the principal and interest of the ability of the car.
5. Willing to accept the loans were deemed necessary by other conditions.
(C) car loans should the information provided:
1. I ID 2. Account of the three. Driving documents 4. Shelter to live 5. 2 inch-sized photographs 6. Income, the Labour proved 7. Berth parking permits
Notes: 1. Information required by the original and three copies of
2. Co-purchaser and the guarantor should also provide information on people in the car of the 1,2,4,6
(4) operational procedures:
To the point at retail outlets consulting and advisory
Will pay the information provided by dealers of First Instance
Selected models, and distributors signed <
The first payment will be deposited into the designated account, to submit to the bank (for automobile consumption loans)
By <
Procedures for vehicle dealers and home delivery vehicles
For insurance, mortgage registration, notarization, and other procedures
Bank accepted, approved and signed <
(5) Other matters:
1. Vehicle insurance should be designated for the insurance company, the insurance is a necessary: Jusun Xian, third party liability insurance, emergency funding, excluding Mianpei insurance and hire-purchase credit insurance or guarantee insurance.
2. Notarized by the cost of buying and selling of mutual commitment to a half.
3. Purchase loans were still fixed, will pay a guarantee fee. Standard rates to its base loan amount, one-year 1 percent, 2 percent of 2002, the three-year 3 per cent.
4. Implemented through-train service, but for vehicles of all households who bear the cost by car, the user still needs to pay agent fees × yuan each. <
Anti-car loans to buy insurance "from Bao"
Is the fiery game show inspired the desire of many people's car. Yesterday, IPR protection experts reminded the public: the election of vehicles crush Liangju is important, treated with caution car during the various details and procedures are also important. Especially in the face of numerous and some of the insurance coverage must-see period, should never "delinking security."
A few days ago, Mr. Shen encountered traffic accidents, the insurance company has been informed of their third party liability insurance has been the "delinking security." At home only after careful reading of the policy found that, in addition to third-party liability insurance security for one year, three other types of valid for a period of three years. The original purchase of a car, clearly has commissioned a dealer to buy a three-year insurance, why only a third party liability insurance only buy a year? » While angry, Mr. Shen require vehicle sales company bear part of settlement costs.
Of a complaint, the Municipal CPC Committee automotive professionals to do to proceed immediately to investigate. Distribution company explained that at that time in the car, the two sides make it clear orally year is the purchase of third party liability insurance, but also in real terms, Duotuishaobu. And in writing is stated in the purchase of "four and dangerous" (Jusun Xian, third party liability insurance, Daoqiang Xian, excluding Mianpei insurance), 2003 12,000 yuan (about) really count. Because it is car loans, can only be charged in accordance with the relevant provisions of the first year of the third party liability insurance costs.
Mr. Shen received after the policy had not carefully read and no time to purchase insurance, now have taken place in traffic accidents, only their own pay. In response, IPR protection experts said that the car before consumers should understand the relevant provisions can we effectively safeguard their rights. Dealer after-sales service work should be done in some of the insurance is about to expire, should be in writing or by telephone inform consumers, so that consumers would not be harmed after the "worse."
A few days ago, Mr. Shen encountered traffic accidents, the insurance company has been informed of their third party liability insurance has been the "delinking security." At home only after careful reading of the policy found that, in addition to third-party liability insurance security for one year, three other types of valid for a period of three years. The original purchase of a car, clearly has commissioned a dealer to buy a three-year insurance, why only a third party liability insurance only buy a year? » While angry, Mr. Shen require vehicle sales company bear part of settlement costs.
Of a complaint, the Municipal CPC Committee automotive professionals to do to proceed immediately to investigate. Distribution company explained that at that time in the car, the two sides make it clear orally year is the purchase of third party liability insurance, but also in real terms, Duotuishaobu. And in writing is stated in the purchase of "four and dangerous" (Jusun Xian, third party liability insurance, Daoqiang Xian, excluding Mianpei insurance), 2003 12,000 yuan (about) really count. Because it is car loans, can only be charged in accordance with the relevant provisions of the first year of the third party liability insurance costs.
Mr. Shen received after the policy had not carefully read and no time to purchase insurance, now have taken place in traffic accidents, only their own pay. In response, IPR protection experts said that the car before consumers should understand the relevant provisions can we effectively safeguard their rights. Dealer after-sales service work should be done in some of the insurance is about to expire, should be in writing or by telephone inform consumers, so that consumers would not be harmed after the "worse."
"Happiness Express" personal automobile consumption loans
☆ Education
"Happiness Express" personal automobile consumption loans was the bank to buy a car for the borrower issuing RMB loans, a simple and efficient processing and guarantee diversity, high loan amount. "Happiness Express" loans to help you achieve dream car, and comprehensively improve the quality of life.
☆ Features
ICBC is "straight off" and "inter-off" model of two loans to choose from:
1, Inter-off: the borrower to the ICBC special car dealers to buy cars, information on loan applications submitted by the automobile dealers to the ICBC raised loan applications. Bank Lending Survey approving the agreement, signed loan contracts, guarantee contracts, and legalization, and insurance procedures.
2, straight-off: the borrower submitted directly to the bank for information on car loans, the banks agreed to approval by the lending investigation after the signing of loan contracts, guarantee contracts. The borrower and then to the ICBC special car dealers to buy cars. Automobile loans from the bank to transfer directly assigned to the accounts of automobile dealers.
☆ conditions for application
1, in China have a fixed residence, a local resident accounts or valid proof of residence, with full civil capacity of Chinese citizens;
2, the proper employment and stable source of revenue, with arranging the ability to repay the loan principal and interest;
3, abide by the law, no violations and bad credit records;
4, banks can provide the effective recognition of the rights or pledge collateral or with the compensatory ability of third-party guarantee;
5, if the "inter-off" loans, and our distributors need to hold the signing of the purchase agreement or purchase contract;
6, the Industrial and Commercial Bank of China to open a personal account settlement and agreed to their designated bank account deduction or personal clearing the principal and interest of loans;
7, the bank provided for other conditions.
☆ loan amount
1, to form a security pledge, or banks, insurance companies, jointly and severally liable to provide the guarantee, the maximum loan, the car can reach 80 percent;
2, to purchase vehicles or other property collateral, the maximum loan, the car can reach 70 percent;
3, to third parties (banks, insurance companies, except) guarantee the security of the way, the loan ceiling of the car can reach 60 percent.
☆ loan period
Automobile consumption loans is generally three years, the longest of not more than five years (inclusive).
☆ lending rate
People's Bank of automobile consumption loans in accordance with the provisions of the earlier loan rates. During the loans in case of interest rate adjustments, the loan period of one year (with) the following, according to the contract rates; loans during the more than one year, the implementation of sub-paragraph, in the beginning of next year, according to the implementation of the corresponding interest rate level The new rate.
☆ loan applications should be submitted to the information
Borrowers to banks for individual car consumption loans, need to submit the following information:
1, approving loan applications forms;
2, I valid identity documents and copies;
3, the spouse of an effective identity documents and copies of the original mortgage and agreed to a written proof;
4, living proof of address (residence booklet, or nearly three months of rent, water, electricity, gas and so on the receipt);
5, occupation and proof of income (originals and copies of documents; behalf of the bank passbooks of wages, etc.);
6, effective contact and contact telephone;
7, providing no less than the provisions of the first proof of payment;
8, loan guarantees that information;
Loan guarantees may be right to pledge collateral, third-party guarantee or collateral.
The pledge by way of security, including the pledge of the borrower or a third person from the Industrial and Commercial Bank certificates of deposit issued by the savings (%), bonds, a division of financial bonds, inter-bank signed a security agreement pledging stopped the local commercial banks to issue The savings deposits (%);
The use of real estate collateral, the real estate collateral for the borrower or his immediate family name of freedom of property rights and no other pledge to do the housing and property insurance for full.
By way of third-party guarantee, should provide a written security guarantee agreement document, the guarantor of identity papers and the original copy of the credit proof materials.
9, in the ICBC to open clearing accounts of personal documents;
10, the bank provides other information.
☆ operational guidelines
1, customer applications. Bank customers to make an application, fill out the application form in writing, submit the relevant information;
2, signed a contract. Bank of borrowers to submit information for review after the passage of the two sides signed loan contracts, guarantee contracts, as the case for the relevant notarization, and mortgage registration procedures;
3, issue loans. The bank agreed to release the loan approval, after all the formalities completed, the banks agreed to transfer under the contract directly assigned to the accounts of automobile dealers;
4, the repayment schedule. Borrowers by borrowing contractual payment plan, repayment of outstanding loans means the principal and interest;
5, to settle loans. Loan settlement, including settlement and early settlement of the normal two. ① normal settlement: the maturity of the loan (one-time debt service) or a final loan (amortization) settlement of loans; ② early settlement: the loan due date, the borrower in advance if some or all of Settlement of loans, the borrower according to the contract, to apply in advance to the bank, the bank's approval to the designated counters accounting for repayment.
When closing the loan, the borrower should have valid identity papers and my bank certificate issued by the settlement of loans from banks back to the legal custody of the certificate and related documents, and holders of loan collateral to settle the original registration certificate to the department for cancellation of registration procedures for mortgage .
"Happiness Express" personal automobile consumption loans was the bank to buy a car for the borrower issuing RMB loans, a simple and efficient processing and guarantee diversity, high loan amount. "Happiness Express" loans to help you achieve dream car, and comprehensively improve the quality of life.
☆ Features
ICBC is "straight off" and "inter-off" model of two loans to choose from:
1, Inter-off: the borrower to the ICBC special car dealers to buy cars, information on loan applications submitted by the automobile dealers to the ICBC raised loan applications. Bank Lending Survey approving the agreement, signed loan contracts, guarantee contracts, and legalization, and insurance procedures.
2, straight-off: the borrower submitted directly to the bank for information on car loans, the banks agreed to approval by the lending investigation after the signing of loan contracts, guarantee contracts. The borrower and then to the ICBC special car dealers to buy cars. Automobile loans from the bank to transfer directly assigned to the accounts of automobile dealers.
☆ conditions for application
1, in China have a fixed residence, a local resident accounts or valid proof of residence, with full civil capacity of Chinese citizens;
2, the proper employment and stable source of revenue, with arranging the ability to repay the loan principal and interest;
3, abide by the law, no violations and bad credit records;
4, banks can provide the effective recognition of the rights or pledge collateral or with the compensatory ability of third-party guarantee;
5, if the "inter-off" loans, and our distributors need to hold the signing of the purchase agreement or purchase contract;
6, the Industrial and Commercial Bank of China to open a personal account settlement and agreed to their designated bank account deduction or personal clearing the principal and interest of loans;
7, the bank provided for other conditions.
☆ loan amount
1, to form a security pledge, or banks, insurance companies, jointly and severally liable to provide the guarantee, the maximum loan, the car can reach 80 percent;
2, to purchase vehicles or other property collateral, the maximum loan, the car can reach 70 percent;
3, to third parties (banks, insurance companies, except) guarantee the security of the way, the loan ceiling of the car can reach 60 percent.
☆ loan period
Automobile consumption loans is generally three years, the longest of not more than five years (inclusive).
☆ lending rate
People's Bank of automobile consumption loans in accordance with the provisions of the earlier loan rates. During the loans in case of interest rate adjustments, the loan period of one year (with) the following, according to the contract rates; loans during the more than one year, the implementation of sub-paragraph, in the beginning of next year, according to the implementation of the corresponding interest rate level The new rate.
☆ loan applications should be submitted to the information
Borrowers to banks for individual car consumption loans, need to submit the following information:
1, approving loan applications forms;
2, I valid identity documents and copies;
3, the spouse of an effective identity documents and copies of the original mortgage and agreed to a written proof;
4, living proof of address (residence booklet, or nearly three months of rent, water, electricity, gas and so on the receipt);
5, occupation and proof of income (originals and copies of documents; behalf of the bank passbooks of wages, etc.);
6, effective contact and contact telephone;
7, providing no less than the provisions of the first proof of payment;
8, loan guarantees that information;
Loan guarantees may be right to pledge collateral, third-party guarantee or collateral.
The pledge by way of security, including the pledge of the borrower or a third person from the Industrial and Commercial Bank certificates of deposit issued by the savings (%), bonds, a division of financial bonds, inter-bank signed a security agreement pledging stopped the local commercial banks to issue The savings deposits (%);
The use of real estate collateral, the real estate collateral for the borrower or his immediate family name of freedom of property rights and no other pledge to do the housing and property insurance for full.
By way of third-party guarantee, should provide a written security guarantee agreement document, the guarantor of identity papers and the original copy of the credit proof materials.
9, in the ICBC to open clearing accounts of personal documents;
10, the bank provides other information.
☆ operational guidelines
1, customer applications. Bank customers to make an application, fill out the application form in writing, submit the relevant information;
2, signed a contract. Bank of borrowers to submit information for review after the passage of the two sides signed loan contracts, guarantee contracts, as the case for the relevant notarization, and mortgage registration procedures;
3, issue loans. The bank agreed to release the loan approval, after all the formalities completed, the banks agreed to transfer under the contract directly assigned to the accounts of automobile dealers;
4, the repayment schedule. Borrowers by borrowing contractual payment plan, repayment of outstanding loans means the principal and interest;
5, to settle loans. Loan settlement, including settlement and early settlement of the normal two. ① normal settlement: the maturity of the loan (one-time debt service) or a final loan (amortization) settlement of loans; ② early settlement: the loan due date, the borrower in advance if some or all of Settlement of loans, the borrower according to the contract, to apply in advance to the bank, the bank's approval to the designated counters accounting for repayment.
When closing the loan, the borrower should have valid identity papers and my bank certificate issued by the settlement of loans from banks back to the legal custody of the certificate and related documents, and holders of loan collateral to settle the original registration certificate to the department for cancellation of registration procedures for mortgage .
Personal car loans
Basic requirements
1. Loans: the age of 18 years of age (inclusive) to 60 years of age (inclusive), with full civil capacity of natural persons.
2. Line of credit: the purchase of vehicles for the car, the loan amount does not exceed the purchase price of the car 80 percent of the purchase of vehicles for commercial vehicles, no more than the amount of loans purchased 70 percent of car prices, including commercial trucks Loan amount shall not exceed the purchase price of the car 60 percent by the purchase of vehicles for used cars, loan amount shall not exceed the borrower purchased 50 percent of car prices, and the line of credit to no more than 20 million;
3. Loans deadline: If the purchase of vehicles for car loans for no more than five years by the purchase of vehicles for commercial vehicles or used cars, loan period not exceeding three years;
4. Lending rates: in accordance with the bank's lending rate regulations;
5. Guarantee: for personal car loans, the borrower must provide a certain security measures, including the pledge for a loan secured by the purchase of vehicles, real estate mortgage, third-party assurance. Vehicle can be taken out personal loans guaranteed way to ensure compliance.
6. Need to provide for material:
(1) "personal loan applications";
(2) effective personal identity documents. Including the identity card, residence booklet, Jun Guanzheng, passports, Hong Kong, Macao and Taiwan compatriots permits, and other exchanges. Borrowers married spouses to provide proof of identity;
(3) permanent household registration certificate or proof of residence;
(4) personal income proof, if necessary, to provide proof of household income or property;
(5) from automobile dealers prove intent issued by the purchaser;
(6) purchase the first phase of proof of payment;
(7) to purchase vehicles outside the form of collateral security, the provision of security related materials, including the right to pledge certificate, mortgage real estate ownership and assessment proved that the third-party guarantee letters of intent;
(8) If the borrower purchase of vehicles for commercial vehicles, purchase of vehicles needed to provide the operator can be used for legitimate proof, such as vehicle fleet anchored in calling the agreement, the lease agreement;
(9) borrowings by the purchase of vehicles for used cars, car purchase intentions need to provide proof, the Construction Bank accepted assessment issued by the agency vehicle assessment report; vehicle seller's vehicle certificates of title, the trading vehicle "motor vehicle registration," Vehicle inspection certificate, etc..
Channels and processes for handling
1. Channels for: China Construction Bank for personal car loans business offices for personal auto loan business, in some large and medium-sized cities, the establishment of the Construction Bank of professional automotive financial services centre for personal car loans, personal loans centre is the car loans Accepted professional bodies.
2. Process for:
① borrowers to submit application materials;
② Action line on the borrower's application materials in the first instance, the borrower and a credit investigation, evaluation;
③ through the preliminary investigation and credit, loan conditions with the loan application for approval;
④ through approval, notify the borrower for the contract, lenders, mortgage or pledge, and other related procedures; did not pass the examination and approval, to a borrower;
⑤ loan contracts entered into force the rear, handling bank loans. Take special loans, loan contracts under the agreement, the loan would be directly transferred to the borrower car dealer accounts.
I line the edge products
1. Individual housing loans and use a combination of: 1) the individual customer requirements in the line of credit in order to purchase houses as collateral, at the same time for individual housing loans and personal car loans. 2) I will present the individual housing loan customers, has continued for a certain period of repayment, to repay a certain amount of loan repayment and in good condition, can priority of the individual car loans.
2. Longka car and use a combination of cards: In my personal trip for a car loan customers, because their vehicles more consumption expenditures, to recommend priorities for Longka car card, customers can enjoy the card holders More concessions in auto consumption, but also as an ordinary credit card use.
1. Loans: the age of 18 years of age (inclusive) to 60 years of age (inclusive), with full civil capacity of natural persons.
2. Line of credit: the purchase of vehicles for the car, the loan amount does not exceed the purchase price of the car 80 percent of the purchase of vehicles for commercial vehicles, no more than the amount of loans purchased 70 percent of car prices, including commercial trucks Loan amount shall not exceed the purchase price of the car 60 percent by the purchase of vehicles for used cars, loan amount shall not exceed the borrower purchased 50 percent of car prices, and the line of credit to no more than 20 million;
3. Loans deadline: If the purchase of vehicles for car loans for no more than five years by the purchase of vehicles for commercial vehicles or used cars, loan period not exceeding three years;
4. Lending rates: in accordance with the bank's lending rate regulations;
5. Guarantee: for personal car loans, the borrower must provide a certain security measures, including the pledge for a loan secured by the purchase of vehicles, real estate mortgage, third-party assurance. Vehicle can be taken out personal loans guaranteed way to ensure compliance.
6. Need to provide for material:
(1) "personal loan applications";
(2) effective personal identity documents. Including the identity card, residence booklet, Jun Guanzheng, passports, Hong Kong, Macao and Taiwan compatriots permits, and other exchanges. Borrowers married spouses to provide proof of identity;
(3) permanent household registration certificate or proof of residence;
(4) personal income proof, if necessary, to provide proof of household income or property;
(5) from automobile dealers prove intent issued by the purchaser;
(6) purchase the first phase of proof of payment;
(7) to purchase vehicles outside the form of collateral security, the provision of security related materials, including the right to pledge certificate, mortgage real estate ownership and assessment proved that the third-party guarantee letters of intent;
(8) If the borrower purchase of vehicles for commercial vehicles, purchase of vehicles needed to provide the operator can be used for legitimate proof, such as vehicle fleet anchored in calling the agreement, the lease agreement;
(9) borrowings by the purchase of vehicles for used cars, car purchase intentions need to provide proof, the Construction Bank accepted assessment issued by the agency vehicle assessment report; vehicle seller's vehicle certificates of title, the trading vehicle "motor vehicle registration," Vehicle inspection certificate, etc..
Channels and processes for handling
1. Channels for: China Construction Bank for personal car loans business offices for personal auto loan business, in some large and medium-sized cities, the establishment of the Construction Bank of professional automotive financial services centre for personal car loans, personal loans centre is the car loans Accepted professional bodies.
2. Process for:
① borrowers to submit application materials;
② Action line on the borrower's application materials in the first instance, the borrower and a credit investigation, evaluation;
③ through the preliminary investigation and credit, loan conditions with the loan application for approval;
④ through approval, notify the borrower for the contract, lenders, mortgage or pledge, and other related procedures; did not pass the examination and approval, to a borrower;
⑤ loan contracts entered into force the rear, handling bank loans. Take special loans, loan contracts under the agreement, the loan would be directly transferred to the borrower car dealer accounts.
I line the edge products
1. Individual housing loans and use a combination of: 1) the individual customer requirements in the line of credit in order to purchase houses as collateral, at the same time for individual housing loans and personal car loans. 2) I will present the individual housing loan customers, has continued for a certain period of repayment, to repay a certain amount of loan repayment and in good condition, can priority of the individual car loans.
2. Longka car and use a combination of cards: In my personal trip for a car loan customers, because their vehicles more consumption expenditures, to recommend priorities for Longka car card, customers can enjoy the card holders More concessions in auto consumption, but also as an ordinary credit card use.
corporate automobile consumption loans
If you are entitled to by the department approved the registration of enterprises and legal persons, and our distributors in the purchase of a car, borrowers need to make an application to the China Construction Bank.
You have the right to the department approved as a registered corporate enterprises and institutions in China Construction Bank has identified and signed "cooperation agreements automobile consumption loans," the car dealer can buy a car when the Construction Bank to apply for legal automobile consumption loans.
You need to apply for loan guarantees with conditions to provide a guarantor or touch (of) the grantor items. Jointly and severally liable third-party guarantee (banks, insurance companies, except for the guarantee), the maximum borrowing limit for the purchase price 60 percent to construction machinery, housing and other ground in fixtures in accordance with the law or the state-owned land use rights as collateral, borrowing The maximum limit for the purchase price of 70 percent to be used as security for the Treasury, financial bonds, the state's key construction bonds, bank certificates of deposit issued by the pledge of regular (or banks, insurance companies, jointly and severally liable to provide the guarantee), the maximum borrowing limit for purchase 80% of car price.
CCB corporate automobile consumption loans was only the yuan currency. CCB corporate automobile consumption loans longest period not exceeding three years (including three years), if you purchase vehicles for rental operators, car rental, passenger and freight transport business purposes, the longest period of not more than two years (including 2 ).
For specific procedures:
1, the application. You are from our distributors decided to purchase the specified brand car, I will propose to the loan applications and to provide all relevant information.
2, signed a contract. China Construction Bank during the investigation and possible approval that, you and I will be signing loan contracts and guarantee contracts, and other legal documents. I think that line if not feasible, it will refund the application materials.
3, the implementation of security. And I signed a loan contract after the trip, you will need to implement third-party guarantee, mortgage, pledge, such as security and the security for the registration, notarization or collateral insurance, quality of deposit of banks and other procedures.
4, access to loans. You paid with a bank loan before the relevant formalities, the contract is in force, in accordance with the terms of the contract you can use unspent loans.
5, repayment. The contractual approach to repay their loans.
Corporate lending rates in accordance with the automobile consumption rate management of the People's Bank of the relevant provisions from your trip with me in consultation.
You have the right to the department approved as a registered corporate enterprises and institutions in China Construction Bank has identified and signed "cooperation agreements automobile consumption loans," the car dealer can buy a car when the Construction Bank to apply for legal automobile consumption loans.
You need to apply for loan guarantees with conditions to provide a guarantor or touch (of) the grantor items. Jointly and severally liable third-party guarantee (banks, insurance companies, except for the guarantee), the maximum borrowing limit for the purchase price 60 percent to construction machinery, housing and other ground in fixtures in accordance with the law or the state-owned land use rights as collateral, borrowing The maximum limit for the purchase price of 70 percent to be used as security for the Treasury, financial bonds, the state's key construction bonds, bank certificates of deposit issued by the pledge of regular (or banks, insurance companies, jointly and severally liable to provide the guarantee), the maximum borrowing limit for purchase 80% of car price.
CCB corporate automobile consumption loans was only the yuan currency. CCB corporate automobile consumption loans longest period not exceeding three years (including three years), if you purchase vehicles for rental operators, car rental, passenger and freight transport business purposes, the longest period of not more than two years (including 2 ).
For specific procedures:
1, the application. You are from our distributors decided to purchase the specified brand car, I will propose to the loan applications and to provide all relevant information.
2, signed a contract. China Construction Bank during the investigation and possible approval that, you and I will be signing loan contracts and guarantee contracts, and other legal documents. I think that line if not feasible, it will refund the application materials.
3, the implementation of security. And I signed a loan contract after the trip, you will need to implement third-party guarantee, mortgage, pledge, such as security and the security for the registration, notarization or collateral insurance, quality of deposit of banks and other procedures.
4, access to loans. You paid with a bank loan before the relevant formalities, the contract is in force, in accordance with the terms of the contract you can use unspent loans.
5, repayment. The contractual approach to repay their loans.
Corporate lending rates in accordance with the automobile consumption rate management of the People's Bank of the relevant provisions from your trip with me in consultation.
Agricultural Bank of China personal car loans
Product definition:
Personal car loans is authorized for a car loan business of the Agricultural Bank of agencies to individual borrowers of the purchase of a car (including second-hand cars) loan business, including the personal car loans and personal commercial vehicle loans.
Car is the borrower through the purchase of a car loan, non-profit for the purpose of the car. Since the car including cars, multi-purpose vehicles (MPV) and sports utility vehicles (SUV), and other vehicles.
Commercial Vehicles is the borrower through the purchase of a car loan, for profit purpose vehicles. Commercial vehicles including passenger cars, freight cars and bulldozers, excavators, mixers, pumps and other engineering vehicles, Tractor tractor, and other special vehicles.
From second-hand car is for End to the motor vehicle registration requirements scrapped period a year prior to the change in ownership transfer procedures and in accordance with the law for the car.
Automobile loans loan period should not exceed five years, including second-hand car loans loan period should not exceed three years.
Product features:
To meet the consumers buy a car because of the shortage of funds when financing needs.
Suitable for:
Individual customers and corporate customers.
The applicant must have the following basic requirements:
1. Have a valid proof of identity, a fixed address and has a detailed and complete civil capacity;
2. A stable or adequate legal income to repay the personal loan principal and interest of legitimate assets;
3. Good personal credit;
4. In loans to open a personal account, to pay the down payment requirements;
5. To provide loans to the recognition of an effective security;
Handling procedures:
(A) and automobile dealers signing cooperation
(B) loan process
Operational procedures for issuing loans: borrowers apply for loans → survey → review and approval → → signed loan contracts for insurance, security procedures for issuing loans → → loan repayment.
For locations:
All authorized and delegated authority can be made at the agency business.
Personal car loans is authorized for a car loan business of the Agricultural Bank of agencies to individual borrowers of the purchase of a car (including second-hand cars) loan business, including the personal car loans and personal commercial vehicle loans.
Car is the borrower through the purchase of a car loan, non-profit for the purpose of the car. Since the car including cars, multi-purpose vehicles (MPV) and sports utility vehicles (SUV), and other vehicles.
Commercial Vehicles is the borrower through the purchase of a car loan, for profit purpose vehicles. Commercial vehicles including passenger cars, freight cars and bulldozers, excavators, mixers, pumps and other engineering vehicles, Tractor tractor, and other special vehicles.
From second-hand car is for End to the motor vehicle registration requirements scrapped period a year prior to the change in ownership transfer procedures and in accordance with the law for the car.
Automobile loans loan period should not exceed five years, including second-hand car loans loan period should not exceed three years.
Product features:
To meet the consumers buy a car because of the shortage of funds when financing needs.
Suitable for:
Individual customers and corporate customers.
The applicant must have the following basic requirements:
1. Have a valid proof of identity, a fixed address and has a detailed and complete civil capacity;
2. A stable or adequate legal income to repay the personal loan principal and interest of legitimate assets;
3. Good personal credit;
4. In loans to open a personal account, to pay the down payment requirements;
5. To provide loans to the recognition of an effective security;
Handling procedures:
(A) and automobile dealers signing cooperation
(B) loan process
Operational procedures for issuing loans: borrowers apply for loans → survey → review and approval → → signed loan contracts for insurance, security procedures for issuing loans → → loan repayment.
For locations:
All authorized and delegated authority can be made at the agency business.
Rural Credit Cooperatives of automobile consumption loans
Refers to the signing of the credit cooperatives in the purchase of a car dealer's natural release of the loan. Special loans for the purchase of credit confirmed by the designated dealer sales of domestic brands of cars, at the same time, automobile consumption loans for the credit cooperatives, should be signed cooperation agreements with insurance companies, requested the insurance companies to contract for vehicle insurance, compliance Insurance, the insurance company to provide security. Installment loans to the return of the way, the calculation method of repayment and a matching reduction of repayment, the following formula:
A) matching the repayment of:
= Interest on loans receivable from the end of last month interest rates on loans ×
= Principal amount of monthly loan receivable equal monthly repayment amount - interest on loans receivable
B) decreasing the repayment of:
= Monthly repayment of principal loan principal / months
Interest payments this month = (principal - the accumulated principal repayment) × on interest rates
Choose one of the borrowers can repay, Action and Social Council shall not be restricted.
(1) for automobile consumption loans and conditions of the target
Automobile consumption loans is the object of the full civil capacity of natural persons, and at the same time the following conditions:
(A) local resident accounts or valid proof of identity to stay, have a fixed residence;
(B) have legitimate jobs and stable source of revenue, with arranging the ability to repay the loan principal and interest;
(C) the borrower shall not be less than the provisions of the first car payment into credit cooperatives;
(D) the insurance company agreed to amortize the purchase of insurance, provide a guarantee of a written commitment;
(E) credit cooperatives under other conditions.
(2) the borrower should provide the information
(A) individuals and their spouses (total assets) identity card, residence booklet or other valid identity documents and copies of the original;
(B) credit issued by recognized authorities borrowers vocational and economic proof of income;
(C) and credit cooperatives in the designated car dealers signed the agreement or contract;
(D) down payments of credit deposit certificate;
(E) charged by the credit cooperatives power of attorney;
(F) credit cooperatives need the additional information.
A) matching the repayment of:
= Interest on loans receivable from the end of last month interest rates on loans ×
= Principal amount of monthly loan receivable equal monthly repayment amount - interest on loans receivable
B) decreasing the repayment of:
= Monthly repayment of principal loan principal / months
Interest payments this month = (principal - the accumulated principal repayment) × on interest rates
Choose one of the borrowers can repay, Action and Social Council shall not be restricted.
(1) for automobile consumption loans and conditions of the target
Automobile consumption loans is the object of the full civil capacity of natural persons, and at the same time the following conditions:
(A) local resident accounts or valid proof of identity to stay, have a fixed residence;
(B) have legitimate jobs and stable source of revenue, with arranging the ability to repay the loan principal and interest;
(C) the borrower shall not be less than the provisions of the first car payment into credit cooperatives;
(D) the insurance company agreed to amortize the purchase of insurance, provide a guarantee of a written commitment;
(E) credit cooperatives under other conditions.
(2) the borrower should provide the information
(A) individuals and their spouses (total assets) identity card, residence booklet or other valid identity documents and copies of the original;
(B) credit issued by recognized authorities borrowers vocational and economic proof of income;
(C) and credit cooperatives in the designated car dealers signed the agreement or contract;
(D) down payments of credit deposit certificate;
(E) charged by the credit cooperatives power of attorney;
(F) credit cooperatives need the additional information.
Urban credit cooperatives individual car consumption loans
Personal automobile consumption loans to banks in contributing to the purchase of a car dealer for the borrower of the renminbi loans, a simple and efficient processing and guarantee diversity, high loan amount.
1), the applicant conditions
In China have a fixed residence, a local resident accounts or valid residence status, with full civil capacity and meet the following conditions are Chinese citizens can apply for individual car consumption loans.
1. Legitimate jobs and stable source of revenue, with arranging the ability to repay the loan principal and interest;
2. Abide by the law, no violations and bad credit records;
3. Banks authorized to provide an effective right of pledge or collateral or with the compensatory ability of third-party guarantee;
4. Apply for loans during the period of not less than urban credit cooperatives under the first car payment into urban credit cooperatives;
5. Urban credit cooperatives to open a personal account settlement and agreed to their designated bank account deduction or personal clearing the principal and interest of loans;
6. Urban credit cooperatives to accept the requirements of other conditions.
2), the amount of loans
To form a security pledge, or banks, insurance companies, jointly and severally liable to provide the guarantee, the maximum loan, the car can reach 70 percent;
To purchase a vehicle or other property collateral, or to third parties (banks, insurance companies, except) guarantee the security of the way, the loan ceiling of the car can reach 60 percent.
C), the loan period
Automobile consumption loans is generally 1-3 years, the longest of not more than five years (inclusive).
4), the lending rate
Automobile consumption loans in accordance with the provisions of the People's Bank of China floating interest rate loans over the same period calculated. During the loans in case of interest rate adjustments, the loan period of one year (with) the following, according to the contract rates; loans during the more than one year, the implementation of sub-paragraph, in the beginning of next year, according to the implementation of the corresponding interest rate level The new rate.
5) and the process
1. Borrower to the bank to submit the following information:
(1) loan approval sheet;
(2) valid identity papers and my copy;
(3) the spouse of an effective identity documents and copies of the original mortgage and agreed to a written proof;
(4) living proof of address (residence booklet, or nearly three months of rent, water, electricity, gas and so on the receipt);
(5) occupation and proof of income (originals and copies of documents; behalf of the bank passbooks of wages, etc.);
(6) an effective manner and Telephone;
(7) provisions to provide no less than the proportion of the first proof of payment;
(8) loan guarantees that information;
Loan guarantees may be right to pledge collateral, third-party guarantee or collateral.
The pledge by way of security, including the pledge of the borrower or a third person from urban credit cooperatives issued by the savings deposits (%), bonds, a division of financial bonds, inter-bank signed a security agreement pledging stopped the local commercial banks The issue of savings deposits (%);
The use of real estate collateral, the real estate collateral for the borrower or his immediate family name of freedom of property rights and no other pledge to do the housing and property insurance for full.
By way of third-party guarantee, should provide a written security guarantee agreement document, the guarantor of identity papers and the original copy of the credit proof materials.
(9) in loan commitments for the purchase of this agency during the full recognition of vehicle insurance and insurance for the first beneficiaries of loans and Social Council;
(10) in the urban credit cooperatives to open clearing accounts of personal documents;
(11) urban credit cooperatives provided other information.
2. Banks to borrowers to submit information for review after the passage of the two sides signed loan contracts, and contracts for security-related notary, mortgage registration procedures.
3. Automobile loans from the bank to transfer directly assigned to the accounts of automobile dealers.
1), the applicant conditions
In China have a fixed residence, a local resident accounts or valid residence status, with full civil capacity and meet the following conditions are Chinese citizens can apply for individual car consumption loans.
1. Legitimate jobs and stable source of revenue, with arranging the ability to repay the loan principal and interest;
2. Abide by the law, no violations and bad credit records;
3. Banks authorized to provide an effective right of pledge or collateral or with the compensatory ability of third-party guarantee;
4. Apply for loans during the period of not less than urban credit cooperatives under the first car payment into urban credit cooperatives;
5. Urban credit cooperatives to open a personal account settlement and agreed to their designated bank account deduction or personal clearing the principal and interest of loans;
6. Urban credit cooperatives to accept the requirements of other conditions.
2), the amount of loans
To form a security pledge, or banks, insurance companies, jointly and severally liable to provide the guarantee, the maximum loan, the car can reach 70 percent;
To purchase a vehicle or other property collateral, or to third parties (banks, insurance companies, except) guarantee the security of the way, the loan ceiling of the car can reach 60 percent.
C), the loan period
Automobile consumption loans is generally 1-3 years, the longest of not more than five years (inclusive).
4), the lending rate
Automobile consumption loans in accordance with the provisions of the People's Bank of China floating interest rate loans over the same period calculated. During the loans in case of interest rate adjustments, the loan period of one year (with) the following, according to the contract rates; loans during the more than one year, the implementation of sub-paragraph, in the beginning of next year, according to the implementation of the corresponding interest rate level The new rate.
5) and the process
1. Borrower to the bank to submit the following information:
(1) loan approval sheet;
(2) valid identity papers and my copy;
(3) the spouse of an effective identity documents and copies of the original mortgage and agreed to a written proof;
(4) living proof of address (residence booklet, or nearly three months of rent, water, electricity, gas and so on the receipt);
(5) occupation and proof of income (originals and copies of documents; behalf of the bank passbooks of wages, etc.);
(6) an effective manner and Telephone;
(7) provisions to provide no less than the proportion of the first proof of payment;
(8) loan guarantees that information;
Loan guarantees may be right to pledge collateral, third-party guarantee or collateral.
The pledge by way of security, including the pledge of the borrower or a third person from urban credit cooperatives issued by the savings deposits (%), bonds, a division of financial bonds, inter-bank signed a security agreement pledging stopped the local commercial banks The issue of savings deposits (%);
The use of real estate collateral, the real estate collateral for the borrower or his immediate family name of freedom of property rights and no other pledge to do the housing and property insurance for full.
By way of third-party guarantee, should provide a written security guarantee agreement document, the guarantor of identity papers and the original copy of the credit proof materials.
(9) in loan commitments for the purchase of this agency during the full recognition of vehicle insurance and insurance for the first beneficiaries of loans and Social Council;
(10) in the urban credit cooperatives to open clearing accounts of personal documents;
(11) urban credit cooperatives provided other information.
2. Banks to borrowers to submit information for review after the passage of the two sides signed loan contracts, and contracts for security-related notary, mortgage registration procedures.
3. Automobile loans from the bank to transfer directly assigned to the accounts of automobile dealers.
Urban credit cooperatives corporate customers automobile consumption loans
Urban credit cooperatives corporate automobile consumption loans mainly to the approval of relevant departments of the registered corporate enterprises and institutions to provide credit funds to meet their demand for car financing
1. Eligibility criteria
1) in the local administration for industry and commerce registration, a legal personality, taxi companies or car rental companies should be operating permit;
2) In urban credit cooperatives to open accounts, there are a certain proportion of down payments;
3) sources of revenue stability, good credit, to repay the loan principal and interest on time;
4) to provide loans were approved property mortgage, pledge or third-party guarantee;
5) loans were provided for other conditions.
2. Application data
1) corporate business license or the cause of corporate licenses, permits legal code, legal representative of documents;
2) loan certificate (card);
3) the previous year's financial report and an updated financial statements;
4) not lower than the initial payment of urban credit cooperatives deposit certificate;
5) collateral or quality of the list, ownership and the power to dispose of that person (including a total of property) agree that the mortgage or pledge that departments have the right to produce proof of collateral valuation;
6) agreed to guarantee the security of the written documents, credit documentation;
7) other information.
3. Borrower to apply for automobile consumption loans must provide effective security. Of which:
1) to purchase cars for collateral, the value of the vehicle to a full security;
2) the insurance companies to provide guarantees from the borrowers to ensure that the insurance company insuring insurance. Specific requirements are:
a. borrowers, as required collateral for insurance, mortgages during the period, the insured shall not be interrupted;
b. the amount of insurance to apply for a mortgage loan of full price as the value of the insured, at least for loans of longer than six months;
c. loans are insurance policies specified by the insured, the insurance payment to the first, the right to request full;
d. loans repaid principal and interest before the insurance policy from the original lender custody;
e. to the purchase of vehicles for the mortgage, the borrower should be insured motor vehicle insurance, third party liability insurance and additional Daoqiang Xian.
4. Line of credit
The maximum amount of automobile consumption loans of not more than 80 percent of the car. Of which:
1) the loan's approval of the Treasury bills, financial bonds, the state's key construction bonds, urban credit cooperatives regular certificates of deposit issued by the pledge (or banks, insurance companies, jointly and severally liable to provide the guarantee), deposited in the first phase of the urban credit cooperatives shall not be less 20 percent, the maximum borrowing limit for the purchase price of 80%.
2) to purchase a vehicle or other property collateral for loans, loan ceiling of not more than 70 percent of the car;
3) to ensure that third-party applications for loans (banks, insurance companies, except) and the ceiling of not more than 60 percent of the car.
5. Deadline
The corporate clients of automobile consumption loans for the duration of the general 1-3 years. In principle for more than two years (including 2).
6, interest rates
According to the People's Bank of urban credit cooperatives and the related regulations.
Loan Process
1), for
Customers and our distributors decided to buy the car after the specified brand, to apply for bank loans, and banks to provide all relevant information.
2), signed a contract
Urban credit cooperatives during the investigation and possible approval after that, customers will be signed loan contracts with banks and guarantee contracts and other legal documents. Such as banks that not feasible, enterprise application materials will be returned.
3), the implementation of security
Signed loan contracts with banks, customers need to implement third-party guarantee, mortgage, pledge, such as security and the security for the registration, notarization or collateral insurance, quality of deposit of banks and other procedures.
4), access to loans
Bank loans with a customer before the relevant formalities, the contract shall enter into force. Banks to grant loans to borrowers, borrowers in accordance with the terms of the contract customers can use unspent loans.
5), repayment
In accordance with the actual period of the loan is about to expire, the borrower should pay attention to customers in time to raise capital, the return on time and bank borrowings.
1. Eligibility criteria
1) in the local administration for industry and commerce registration, a legal personality, taxi companies or car rental companies should be operating permit;
2) In urban credit cooperatives to open accounts, there are a certain proportion of down payments;
3) sources of revenue stability, good credit, to repay the loan principal and interest on time;
4) to provide loans were approved property mortgage, pledge or third-party guarantee;
5) loans were provided for other conditions.
2. Application data
1) corporate business license or the cause of corporate licenses, permits legal code, legal representative of documents;
2) loan certificate (card);
3) the previous year's financial report and an updated financial statements;
4) not lower than the initial payment of urban credit cooperatives deposit certificate;
5) collateral or quality of the list, ownership and the power to dispose of that person (including a total of property) agree that the mortgage or pledge that departments have the right to produce proof of collateral valuation;
6) agreed to guarantee the security of the written documents, credit documentation;
7) other information.
3. Borrower to apply for automobile consumption loans must provide effective security. Of which:
1) to purchase cars for collateral, the value of the vehicle to a full security;
2) the insurance companies to provide guarantees from the borrowers to ensure that the insurance company insuring insurance. Specific requirements are:
a. borrowers, as required collateral for insurance, mortgages during the period, the insured shall not be interrupted;
b. the amount of insurance to apply for a mortgage loan of full price as the value of the insured, at least for loans of longer than six months;
c. loans are insurance policies specified by the insured, the insurance payment to the first, the right to request full;
d. loans repaid principal and interest before the insurance policy from the original lender custody;
e. to the purchase of vehicles for the mortgage, the borrower should be insured motor vehicle insurance, third party liability insurance and additional Daoqiang Xian.
4. Line of credit
The maximum amount of automobile consumption loans of not more than 80 percent of the car. Of which:
1) the loan's approval of the Treasury bills, financial bonds, the state's key construction bonds, urban credit cooperatives regular certificates of deposit issued by the pledge (or banks, insurance companies, jointly and severally liable to provide the guarantee), deposited in the first phase of the urban credit cooperatives shall not be less 20 percent, the maximum borrowing limit for the purchase price of 80%.
2) to purchase a vehicle or other property collateral for loans, loan ceiling of not more than 70 percent of the car;
3) to ensure that third-party applications for loans (banks, insurance companies, except) and the ceiling of not more than 60 percent of the car.
5. Deadline
The corporate clients of automobile consumption loans for the duration of the general 1-3 years. In principle for more than two years (including 2).
6, interest rates
According to the People's Bank of urban credit cooperatives and the related regulations.
Loan Process
1), for
Customers and our distributors decided to buy the car after the specified brand, to apply for bank loans, and banks to provide all relevant information.
2), signed a contract
Urban credit cooperatives during the investigation and possible approval after that, customers will be signed loan contracts with banks and guarantee contracts and other legal documents. Such as banks that not feasible, enterprise application materials will be returned.
3), the implementation of security
Signed loan contracts with banks, customers need to implement third-party guarantee, mortgage, pledge, such as security and the security for the registration, notarization or collateral insurance, quality of deposit of banks and other procedures.
4), access to loans
Bank loans with a customer before the relevant formalities, the contract shall enter into force. Banks to grant loans to borrowers, borrowers in accordance with the terms of the contract customers can use unspent loans.
5), repayment
In accordance with the actual period of the loan is about to expire, the borrower should pay attention to customers in time to raise capital, the return on time and bank borrowings.
31 Jul 2008
Combination of individual housing loan application procedures
First, the application
See the housing fund management center in Beijing individual housing loans secured by
Second, the first instance
Clients to apply for a trial and to determine provident fund and the bank loan ratio of credit funds
Third, the survey
Clients after passing the first instance, the trustees of the loans to investigate and make investigations, the findings reported to be commissioned at the same time, and the approval of relevant departments within the bank.
40, signed loan contracts
Clients and loans - to approval of common agreement, the two sides signed the borrower housing fund management center in Beijing individual housing loans secured by the borrower contracts and the Construction Bank of China Beijing Branch of individual housing loans loan contract.
5, borrowers were open and operating policies of the account of account
6, for security, security, pledge and insurance procedures (with a copy of the Construction Bank)
7, the loan contract in force, assigned to developers account funds
See the housing fund management center in Beijing individual housing loans secured by
Second, the first instance
Clients to apply for a trial and to determine provident fund and the bank loan ratio of credit funds
Third, the survey
Clients after passing the first instance, the trustees of the loans to investigate and make investigations, the findings reported to be commissioned at the same time, and the approval of relevant departments within the bank.
40, signed loan contracts
Clients and loans - to approval of common agreement, the two sides signed the borrower housing fund management center in Beijing individual housing loans secured by the borrower contracts and the Construction Bank of China Beijing Branch of individual housing loans loan contract.
5, borrowers were open and operating policies of the account of account
6, for security, security, pledge and insurance procedures (with a copy of the Construction Bank)
7, the loan contract in force, assigned to developers account funds
Renovation of individual housing loans target
---- Individual housing loans of objects for decoration with full civil capacity of natural persons.
Specific conditions
1. The age of 18 to 60 years of age, local resident accounts or foreign accounts but effective local living document, a fixed residence;
2. A stable job and income or easily realisable assets;
3. Decoration and enterprises have signed the "family renovation works contracts", or "home decoration material purchase contracts," and "the purchase of kitchen and toilet facilities contract", and the family budget for the renovation; H
4. Demand in China Construction Bank opened a savings account;
5. Authorized to provide bank guarantees;
6. Comply with the requirements of the Construction Bank of other conditions.
Individual housing loans for renovation
---- Individual housing loans decoration is the Construction Bank to individual customers paid for the renovation of the renminbi-occupied housing loans.
---- Loans can be used to pay the family decorating and maintenance works of construction of the relevant materials, decoration, kitchen and toilet facilities, and so on.
Borrowing limit
---- Borrowers loan amount not less than 5,000 yuan (with 5,000 yuan), the maximum loan amount is not more than 150,000 yuan (inclusive of a 15 million).
---- Loan period and interest rates
---- A minimum of six months and a maximum of five years (including five years).
People's Bank lending rates in accordance with the provisions of the same period in the implementation of lending rates.
The provisions of loan repayment
---- Loans within the period of one year (including 1), implementation of debt service due time, with the benefit of the Qing;
---- Loan period in more than one year, the borrower from the time spent on loans taken from the monthly principal and interest outstanding loans equal manner calculated as follows:
= On the amount of monthly interest rates * (1 + on interest rates) repayment of the number / * (1 + on interest rates) repayment of the loan amount number -1 *
The early return of all principal and interest of loans, should be notified 15 days ahead of the lending bank, taking into account the interest not to the period of interest rate changes and adjustments.
The way to repay loans
---- The borrower to repay the principal and interest of bank loans in two ways, each borrower can only choose one of the means of repayment. According to the borrower and the bank signed the "loan contract," the agreement for the repayment plan, the repayment date, the Construction Bank from the borrower demand savings account deduction should repay the loan at the current principal and interest. The borrower must have full charge of deposit account, such as the debit account was frozen, report the loss, the borrower should be timely provision of the new charge accounts;
---- Borrowers to repay bank business outlets.
---- Borrowers to return overdue loans can only take the second method.
Borrowers should provide the information
---- Borrowers fill out the "China Construction Bank loan applications for housing decoration" and to provide the following information
1. Residents of identity documents (identity cards, residence booklet, the military card or other valid identification cards) and so on the original and copy;
2. Personal income proof (units issued by the proof of income, payroll, tax alone, can be used for repayment of the Bank savings deposits, etc.);
3. Decoration companies signed the "family renovation works contracts" and "the purchase of household decoration materials contract," and "the purchase of kitchen and toilet facilities contract", and the family budget for the renovation;
4. Decoration enterprises and the business license for a copy of the certificate;
5. Collateral, pledge and the right of ownership is a list of documents that have powers and the consent of mortgage, pledge of proof; collateral must submit a certificate of ownership or right to use, valuation, insurance documents; have to provide the right quality of the right credentials ; Guarantor agreed to guarantee the documents;
6. The requirements of the lending bank other materials.
Specific conditions
1. The age of 18 to 60 years of age, local resident accounts or foreign accounts but effective local living document, a fixed residence;
2. A stable job and income or easily realisable assets;
3. Decoration and enterprises have signed the "family renovation works contracts", or "home decoration material purchase contracts," and "the purchase of kitchen and toilet facilities contract", and the family budget for the renovation; H
4. Demand in China Construction Bank opened a savings account;
5. Authorized to provide bank guarantees;
6. Comply with the requirements of the Construction Bank of other conditions.
Individual housing loans for renovation
---- Individual housing loans decoration is the Construction Bank to individual customers paid for the renovation of the renminbi-occupied housing loans.
---- Loans can be used to pay the family decorating and maintenance works of construction of the relevant materials, decoration, kitchen and toilet facilities, and so on.
Borrowing limit
---- Borrowers loan amount not less than 5,000 yuan (with 5,000 yuan), the maximum loan amount is not more than 150,000 yuan (inclusive of a 15 million).
---- Loan period and interest rates
---- A minimum of six months and a maximum of five years (including five years).
People's Bank lending rates in accordance with the provisions of the same period in the implementation of lending rates.
The provisions of loan repayment
---- Loans within the period of one year (including 1), implementation of debt service due time, with the benefit of the Qing;
---- Loan period in more than one year, the borrower from the time spent on loans taken from the monthly principal and interest outstanding loans equal manner calculated as follows:
= On the amount of monthly interest rates * (1 + on interest rates) repayment of the number / * (1 + on interest rates) repayment of the loan amount number -1 *
The early return of all principal and interest of loans, should be notified 15 days ahead of the lending bank, taking into account the interest not to the period of interest rate changes and adjustments.
The way to repay loans
---- The borrower to repay the principal and interest of bank loans in two ways, each borrower can only choose one of the means of repayment. According to the borrower and the bank signed the "loan contract," the agreement for the repayment plan, the repayment date, the Construction Bank from the borrower demand savings account deduction should repay the loan at the current principal and interest. The borrower must have full charge of deposit account, such as the debit account was frozen, report the loss, the borrower should be timely provision of the new charge accounts;
---- Borrowers to repay bank business outlets.
---- Borrowers to return overdue loans can only take the second method.
Borrowers should provide the information
---- Borrowers fill out the "China Construction Bank loan applications for housing decoration" and to provide the following information
1. Residents of identity documents (identity cards, residence booklet, the military card or other valid identification cards) and so on the original and copy;
2. Personal income proof (units issued by the proof of income, payroll, tax alone, can be used for repayment of the Bank savings deposits, etc.);
3. Decoration companies signed the "family renovation works contracts" and "the purchase of household decoration materials contract," and "the purchase of kitchen and toilet facilities contract", and the family budget for the renovation;
4. Decoration enterprises and the business license for a copy of the certificate;
5. Collateral, pledge and the right of ownership is a list of documents that have powers and the consent of mortgage, pledge of proof; collateral must submit a certificate of ownership or right to use, valuation, insurance documents; have to provide the right quality of the right credentials ; Guarantor agreed to guarantee the documents;
6. The requirements of the lending bank other materials.
Commercial individual housing loan application procedures
Commissioned by the individual housing loan application procedures (housing fund management center in Beijing)
First, the application
The borrower to the client (Beijing housing fund management center), making borrowing application and provide the following information: I account this, identity card or other valid proof of stay;
Purchase contracts or letters of intent and other relevant documents;
Borrowers agreed to loan the unit a letter
The client asked for other materials.
Second, the first instance
Clients to apply for a preliminary
Third, the survey
Clients after passing the first instance, the Construction Bank Beijing Branch agencies (the trustee) of loans to investigate and survey comments.
4, and the approval commissioned by the signing of the contract
According to the trustees put the client survey, conducted on the loan approval, the approval agree that the clients signed by the trustee and the contract, and then commissioned by the loans issued by the client notice.
5, signed loan contracts
According to the contract by the trustee and borrowers signed loan contracts and the corresponding contracts.
6, the allocation of loans
Loan contract after the entry into force, clients will be commissioned by the loan fund of funds assigned to households, according to the trustees by the allocation of loan contracts.
The central and state organs individual housing loans secured by (the central and state organs housing fund management center)
First, the application = iEE_;? + Vz7 @ =) 2a? A `h
Trustee of the borrower to complete the loan application and provide the following information:
Accounts of the borrower, identity card or other valid travel documents and copies of residence;
Purchase contracts or letters of intent and other relevant documents;
Borrowers, or local units of housing fund management institutions agreed to loan the letters
The purchase of new housing units provided Shoufang the "Beijing permit sales of commercial property," a copy of the purchase of public houses to provide a higher level of housing reform on the management of institutions "Shoufang programme," a copy of the document approved
Mortgage or pledge to guarantee the way, pledging collateral or proof of ownership;
To guarantee the security of the way, agreed to sponsor a written guarantee that the credit and guarantee that
Borrowers in the trustees have the full purchase price of not less than 30% of the deposits proven, or pay 30 percent more than the original purchase receipt and a copy of advances;
Trustees asked for the other materials.
Second, the first instance
Trustees of the borrower's application of First Instance
Third, approval and signing of contracts commissioned by the
According to the trustee clients, for approval of the loans, approval consent, commissioned by the client signed the contract with the trustees, issued
40, signed loan contracts
According to the contract and commissioned, trustees and borrowers signed loan contracts and related contracts.
5, the allocation of loans
Loan contract after the entry into force, clients will be commissioned by the loan fund of funds assigned to households, according to the borrower by the trustees to transfer the contract allocation.
First, the application
The borrower to the client (Beijing housing fund management center), making borrowing application and provide the following information: I account this, identity card or other valid proof of stay;
Purchase contracts or letters of intent and other relevant documents;
Borrowers agreed to loan the unit a letter
The client asked for other materials.
Second, the first instance
Clients to apply for a preliminary
Third, the survey
Clients after passing the first instance, the Construction Bank Beijing Branch agencies (the trustee) of loans to investigate and survey comments.
4, and the approval commissioned by the signing of the contract
According to the trustees put the client survey, conducted on the loan approval, the approval agree that the clients signed by the trustee and the contract, and then commissioned by the loans issued by the client notice.
5, signed loan contracts
According to the contract by the trustee and borrowers signed loan contracts and the corresponding contracts.
6, the allocation of loans
Loan contract after the entry into force, clients will be commissioned by the loan fund of funds assigned to households, according to the trustees by the allocation of loan contracts.
The central and state organs individual housing loans secured by (the central and state organs housing fund management center)
First, the application = iEE_;? + Vz7 @ =) 2a? A `h
Trustee of the borrower to complete the loan application and provide the following information:
Accounts of the borrower, identity card or other valid travel documents and copies of residence;
Purchase contracts or letters of intent and other relevant documents;
Borrowers, or local units of housing fund management institutions agreed to loan the letters
The purchase of new housing units provided Shoufang the "Beijing permit sales of commercial property," a copy of the purchase of public houses to provide a higher level of housing reform on the management of institutions "Shoufang programme," a copy of the document approved
Mortgage or pledge to guarantee the way, pledging collateral or proof of ownership;
To guarantee the security of the way, agreed to sponsor a written guarantee that the credit and guarantee that
Borrowers in the trustees have the full purchase price of not less than 30% of the deposits proven, or pay 30 percent more than the original purchase receipt and a copy of advances;
Trustees asked for the other materials.
Second, the first instance
Trustees of the borrower's application of First Instance
Third, approval and signing of contracts commissioned by the
According to the trustee clients
40, signed loan contracts
According to the contract and commissioned
5, the allocation of loans
Loan contract after the entry into force, clients will be commissioned by the loan fund of funds assigned to households, according to the borrower by the trustees to transfer the contract allocation.
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