Direct passenger car loan how to borrow the most cost - effective, understand these after you loan to buy a car
How to borrow direct passenger car loan is the most cost - effective�� Direct passenger car loan is the most cost-effective way may be a lot of people don't know, for the bank's traditional car loan business, direct passenger loans can be simply understood as, consumers can not directly to the bank through dealers to apply for car loans�� Directly to the bank to apply for loans, through face-to-face communication with the bank, after agreed to meet their actual situation of the loan scheme to obtain loans, and then complete the car purchase and the implementation of the mortgage guarantee of car consumption loan model�� So, direct passenger car loan how to borrow the most cost - effective��
How to borrow direct passenger car loan is the most cost - effective��
Through the introduction of the model to save the intermediate costs, while the bank's direct loan interest rate is low, for friends who want to buy a car through the loan, direct customer loan is the most cost-effective way of lending��
The advantage of bank direct customer loan is that consumers can choose large space, the bank car loan interest rate for the people's bank of benchmark interest rate, generally lower than the car finance company loan interest rate, and can enjoy the car dealers to reduce the price concessions�� However, when an individual applies to a bank for a car consumption loan, it is generally necessary to provide real estate as collateral�� For consumers, in addition to the traditional bank car loans and auto finance company loans, but also through the credit card installment to buy a car,
Direct passenger car loan guarantee and repayment methods are also more flexible�� Customers can choose the purchase of car mortgage, real estate mortgage, certificate of deposit pledge, guarantee company guarantee, performance insurance and other loan guarantee, and equal principal and interest repayment method, average capital repayment method, one-time repayment of loan principal and interest method and other repayment methods��
Direct passenger car loan processing process is divided into six steps:
1, ready to relevant information
The information required to apply for direct car loans includes:
2, fill in the application form and submit
After the required information is prepared, the applicant carries the required information to the bank to fill in the application form and submit it for approval by the bank;
3. bank approval
After receiving the application from the applicant, the bank shall examine and approve whether the information provided by the applicant is true, complete and valid��
4, signed a loan contract to pay the down payment
After the information audit, the bank and the customer signed a loan contract, at this time the customer in the dealer to select their own car, the lender to the bank to pay the down payment;
5, go through the relevant formalities
After completing the above steps, the applicant shall complete the relevant formalities of cycling, and at the same time handle the mortgage registration for his own car;
6. bank lending
Upon completion of the above steps, the bank will directly transfer the funds required for the loan to the dealer's account, and the customer can directly withdraw the car from the dealer's hand, and repay the car according to the provisions of the contract in the future��
The above content is how to borrow the most cost-effective direct passenger car loans related information, the above article briefly introduces the definition of direct passenger car loans, advantages and application process, direct passenger car loans with low loan interest rate characteristics by many borrowers welcome, through the introduction of the model can save the intermediate costs�� But borrowers should pay more attention to the way of borrowing and lending institutions, not because of small profits and take advantage of the loopholes in the law, to avoid unnecessary losses��
How to borrow direct passenger car loan is the most cost - effective？ Direct passenger car loan is the most cost-effective way may be a lot of people don't know, for the bank's traditional car loan business, direct passenger loans can be simply understood as, consumers can not directly to the bank through dealers to apply for car loans。 Directly to the bank to apply for loans, through face-to-face communication with the bank, after agreed to meet their actual situation of the loan scheme to obtain loans, and then complete the car purchase and the implementation of the mortgage guarantee of car consumption loan model。 So, direct passenger car loan how to borrow the most cost - effective？
How to borrow direct passenger car loan is the most cost - effective？
Through the introduction of the model to save the intermediate costs, while the bank's direct loan interest rate is low, for friends who want to buy a car through the loan, direct customer loan is the most cost-effective way of lending。
The advantage of bank direct customer loan is that consumers can choose large space, the bank car loan interest rate for the people's bank of benchmark interest rate, generally lower than the car finance company loan interest rate, and can enjoy the car dealers to reduce the price concessions。 However, when an individual applies to a bank for a car consumption loan, it is generally necessary to provide real estate as collateral。 For consumers, in addition to the traditional bank car loans and auto finance company loans, but also through the credit card installment to buy a car,
Direct passenger car loan guarantee and repayment methods are also more flexible。 Customers can choose the purchase of car mortgage, real estate mortgage, certificate of deposit pledge, guarantee company guarantee, performance insurance and other loan guarantee, and equal principal and interest repayment method, average capital repayment method, one-time repayment of loan principal and interest method and other repayment methods。
Direct passenger car loan processing process is divided into six steps:
1, ready to relevant information
The information required to apply for direct car loans includes:
2, fill in the application form and submit
After the required information is prepared, the applicant carries the required information to the bank to fill in the application form and submit it for approval by the bank;
3. bank approval
After receiving the application from the applicant, the bank shall examine and approve whether the information provided by the applicant is true, complete and valid。
4, signed a loan contract to pay the down payment
After the information audit, the bank and the customer signed a loan contract, at this time the customer in the dealer to select their own car, the lender to the bank to pay the down payment;
5, go through the relevant formalities
After completing the above steps, the applicant shall complete the relevant formalities of cycling, and at the same time handle the mortgage registration for his own car;
6. bank lending
Upon completion of the above steps, the bank will directly transfer the funds required for the loan to the dealer's account, and the customer can directly withdraw the car from the dealer's hand, and repay the car according to the provisions of the contract in the future。
The above content is how to borrow the most cost-effective direct passenger car loans related information, the above article briefly introduces the definition of direct passenger car loans, advantages and application process, direct passenger car loans with low loan interest rate characteristics by many borrowers welcome, through the introduction of the model can save the intermediate costs。 But borrowers should pay more attention to the way of borrowing and lending institutions, not because of small profits and take advantage of the loopholes in the law, to avoid unnecessary losses。
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