Today, carefully observe the surrounding colleagues, friends, a considerable number of people belong to "negative Weng" groups. This means that we all more or less burdened with debt, many people today is to spend the money to do the thing tomorrow. Because of "negative Weng," the growth of the contingent of groups, consumer loans seems to have become a fashion. Buy a house loans, car loans has become young people generally accepted forms of consumption.
Xiaolei and Xiao Zhou is a married "80 after the" small husband and wife. Recently they intend to choose the form of loans Mailiang Ju. Which choice is both cost-effective way to loans for Xiaoliang Kou and the actual situation, and Xiao Zhou Xiaolei become the most concern.
Bank loans
Choice of loans, most people will first think of banks. From 2003 personal consumption of car loans to the Huobao 2004 a group of commercial banks have to give up Auto Financing business, the banks experienced a car loan from the climax to the bottom of the turmoil.
Auto Financing Laizhang which seems to be one of the reasons why. Statistics show that in 2006, Beijing Haidian District Court in January to June before the Auto Financing case of 1109, compared to the same period in 2005 and an increase of 530.11 percent.
Well, the current bank car loan business in the situation like this how » A consumer advisory on behalf of the Bank of China and Industrial and Commercial Bank of the relevant staff.
Bank of China Beijing Branch of the Chaoyang Branch of a staff member told reporters that at present the branch can handle car loans, but must do my name in the real estate collateral, if not their current property, it must be from the Bank of China official staff to do Security can not be vehicles for collateral. The first payment for the car, at least 20 per cent of the longest lending period of three years.
And the Bank of China different from the Industrial and Commercial Bank to provide car loans to the mortgage or pledge of the three ways for consumers to choose. Including real estate mortgage, deposit and pledge collateral vehicles. Down payment to pay 20 percent of the car, the longest term loans for five years, the Auto Financing the current interest rate is 6.93 percent. These deposits pledge of not more than 90 percent of the amount of the deposit.
Bank loans to the audit process more complicated, the lender's occupation, income and credit of the requirements are higher. Generally speaking, the state civil servants, teachers and other income more stable occupational groups were relatively easy approval.
Features: high threshold, strict examination and approval procedures cumbersome
Suitable for people: civil servants and other countries have stable income and a certain economic strength of the crowd
Auto finance company
In addition to bank loans, many brands have their own finance companies, to provide automobile loans. FAW, a reporter from Beijing - that the public 4 S stores, car loans consumer choice can be made to the general public financial companies to apply for loans. Priced at 189,800 yuan to the speed Teng 1.8 T-type fashion as an example, 30 percent down payment vehicles, choose the longest four-year term loan, the monthly repayment to be 3,314 yuan. Sales staff told reporters that, compared with the banks, auto finance company at the request of the loans is not very harsh, examination and approval of loan applications faster than the banks. It is understood that in lending rates, the auto finance company lending rate slightly higher than commercial banks. In the process, the choice in the auto finance company loans of consumers do not need to provide security, and bank loans compared to loose a lot.
In addition to the public outside, Toyota, SAIC-GM, Dongfeng Peugeot brands has its own auto finance company, Auto Financing business. It is understood that the different brands of automobile financing companies and the down payment ratio of the longest term loans also vary, the mass amount of financial compensation in the down payment for the car's 30 percent, the maximum loan period of four years, while Toyota down payment requirements The amount of cars to 20 percent, also the longest term loans extended to five years.
The auto finance company would like to choose loans for consumers, we must first choose to be a good model to buy the brand, and then look at whether or not to accept the brand developed by the finance company loan provisions.
Features: relatively relaxed conditions for approval, but the brand restrictions, the interest rate slightly higher
For the crowd: fixed-brand models have been selected for the consumers
Damai Chang car loans
In addition to traditional bank loans and auto loan finance companies, recently, a new model of car loans in Beijing Wuhuan cell vehicle life at birth. By automobile dealers to provide vehicles, cell companies to provide car owners secured loans, the banks to provide loans to break through the traditional mode of Auto Financing. It is learned that China Merchants Bank, Bank of Beijing and the Chinese People's Insurance Company have been stationed in Wuhuan cell vehicle life Square.
A life in cell car in the square to see the stores, the sale of vehicles covering the current market, the main model. Including Audi, Mercedes, BMW and other luxury brands, but also Chery QQ, and other economic models. Consumer loan to buy a car here, the brand of choice for a lot of big, in stores within the arbitrary choice of a car can handle loans.
In the Marketplace, the reporter also learned that a price of 175,800 yuan Pentium 2.3 L luxury, down payment loans for 35,800 yuan, if the choice of loan term of three years, to pay 4,264 yuan a month. At 423,600 yuan BMW 325 i down payment of 127,800 yuan, three-year loan, the monthly repayment 9,015 yuan. Economic vehicle, the price of 78,800 yuan of Swift, the down payment 15,800 yuan, three-year loan, the monthly repayment 1,919 yuan. Under normal circumstances, the cell carried out the first loan to buy a car payment, the proportion is 20 per cent of car loans for three years to five years, In addition, banks also have access to the benchmark rate lower than 10 percent of the concession.
Features: basic unrestricted choice of brands, the interest rate below 10 percent for the banking crowd: young consumers, or the income is not high salaried class consumers
Xiaolei and Xiao Zhou is a married "80 after the" small husband and wife. Recently they intend to choose the form of loans Mailiang Ju. Which choice is both cost-effective way to loans for Xiaoliang Kou and the actual situation, and Xiao Zhou Xiaolei become the most concern.
Bank loans
Choice of loans, most people will first think of banks. From 2003 personal consumption of car loans to the Huobao 2004 a group of commercial banks have to give up Auto Financing business, the banks experienced a car loan from the climax to the bottom of the turmoil.
Auto Financing Laizhang which seems to be one of the reasons why. Statistics show that in 2006, Beijing Haidian District Court in January to June before the Auto Financing case of 1109, compared to the same period in 2005 and an increase of 530.11 percent.
Well, the current bank car loan business in the situation like this how » A consumer advisory on behalf of the Bank of China and Industrial and Commercial Bank of the relevant staff.
Bank of China Beijing Branch of the Chaoyang Branch of a staff member told reporters that at present the branch can handle car loans, but must do my name in the real estate collateral, if not their current property, it must be from the Bank of China official staff to do Security can not be vehicles for collateral. The first payment for the car, at least 20 per cent of the longest lending period of three years.
And the Bank of China different from the Industrial and Commercial Bank to provide car loans to the mortgage or pledge of the three ways for consumers to choose. Including real estate mortgage, deposit and pledge collateral vehicles. Down payment to pay 20 percent of the car, the longest term loans for five years, the Auto Financing the current interest rate is 6.93 percent. These deposits pledge of not more than 90 percent of the amount of the deposit.
Bank loans to the audit process more complicated, the lender's occupation, income and credit of the requirements are higher. Generally speaking, the state civil servants, teachers and other income more stable occupational groups were relatively easy approval.
Features: high threshold, strict examination and approval procedures cumbersome
Suitable for people: civil servants and other countries have stable income and a certain economic strength of the crowd
Auto finance company
In addition to bank loans, many brands have their own finance companies, to provide automobile loans. FAW, a reporter from Beijing - that the public 4 S stores, car loans consumer choice can be made to the general public financial companies to apply for loans. Priced at 189,800 yuan to the speed Teng 1.8 T-type fashion as an example, 30 percent down payment vehicles, choose the longest four-year term loan, the monthly repayment to be 3,314 yuan. Sales staff told reporters that, compared with the banks, auto finance company at the request of the loans is not very harsh, examination and approval of loan applications faster than the banks. It is understood that in lending rates, the auto finance company lending rate slightly higher than commercial banks. In the process, the choice in the auto finance company loans of consumers do not need to provide security, and bank loans compared to loose a lot.
In addition to the public outside, Toyota, SAIC-GM, Dongfeng Peugeot brands has its own auto finance company, Auto Financing business. It is understood that the different brands of automobile financing companies and the down payment ratio of the longest term loans also vary, the mass amount of financial compensation in the down payment for the car's 30 percent, the maximum loan period of four years, while Toyota down payment requirements The amount of cars to 20 percent, also the longest term loans extended to five years.
The auto finance company would like to choose loans for consumers, we must first choose to be a good model to buy the brand, and then look at whether or not to accept the brand developed by the finance company loan provisions.
Features: relatively relaxed conditions for approval, but the brand restrictions, the interest rate slightly higher
For the crowd: fixed-brand models have been selected for the consumers
Damai Chang car loans
In addition to traditional bank loans and auto loan finance companies, recently, a new model of car loans in Beijing Wuhuan cell vehicle life at birth. By automobile dealers to provide vehicles, cell companies to provide car owners secured loans, the banks to provide loans to break through the traditional mode of Auto Financing. It is learned that China Merchants Bank, Bank of Beijing and the Chinese People's Insurance Company have been stationed in Wuhuan cell vehicle life Square.
A life in cell car in the square to see the stores, the sale of vehicles covering the current market, the main model. Including Audi, Mercedes, BMW and other luxury brands, but also Chery QQ, and other economic models. Consumer loan to buy a car here, the brand of choice for a lot of big, in stores within the arbitrary choice of a car can handle loans.
In the Marketplace, the reporter also learned that a price of 175,800 yuan Pentium 2.3 L luxury, down payment loans for 35,800 yuan, if the choice of loan term of three years, to pay 4,264 yuan a month. At 423,600 yuan BMW 325 i down payment of 127,800 yuan, three-year loan, the monthly repayment 9,015 yuan. Economic vehicle, the price of 78,800 yuan of Swift, the down payment 15,800 yuan, three-year loan, the monthly repayment 1,919 yuan. Under normal circumstances, the cell carried out the first loan to buy a car payment, the proportion is 20 per cent of car loans for three years to five years, In addition, banks also have access to the benchmark rate lower than 10 percent of the concession.
Features: basic unrestricted choice of brands, the interest rate below 10 percent for the banking crowd: young consumers, or the income is not high salaried class consumers
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