建设银行再度“牵手”齐鲁车展

Construction bank again qianshou qilu auto show

Construction bank shandong branch has agreed with qilu show organizer to join in qilu age season auto show, once again become a show only specified cooperative bank. , CCB shandong branch will during the auto show promoting dragon car hire pay "CCB" business, as well as other related to automobile consumption credit card business, and in combination with car dealers, launch part of hot selling models, consumers use dragon in installment buying these models of cars will have a "zero interest, no guarantee, no collateral", etc.

According to understand, automobile credit has become one of the most important drivers of market, at present, in the field of the automobile consumption loans, automobile consumption is relatively commonly used the traditional bank credit, automobile financial company car loans and credit card installment payment three ways. At present, most of the commercial Banks of the automobile consumption credit approval policy is strict, consumers for auto loans more difficult. And an auto financing company car loans generally higher interest, mostly in more than 7% annual interest. In consumer loans, many automobile financial company must require vehicle mortgage, some companies will add some mortgage fees and the insurance cost spending, 1% - 1% of the loan guarantee is generally in accordance with a one-time charge. Faster this way of loans, due to increased security measures, an auto financing company to loan approval conditions will loose some of consumers. And consumers through the automobile financial service company cars can only select a specific car brand, car less room.

And credit card purchases stage refers to the credit card user apply to the issuing bank for financing amount, monthly repayment within the prescribed period, and according to the regulations of the issuing bank pay a certain fee of credit card payment. This way need to pay a certain percentage of deposit, the remaining balance on a monthly basis points equal to pay; For up to 3 years, do not need to pay the interest, only pay poundage, generally want to one-time charge and bank. Credit card purchases in installment according to the policy of different Banks, car mortgage is not required. Credit card installment advantage is low price, with construction bank car installment as an example, a year in a car in installment fees only 4% of the installment amount. Such as buying a 200000 car, choose a year installment payment, after consumer 30% down payment models (60000 yuan), the remaining 140000 can brush a credit card payment, and then an equal repayment points in 12 months, the fee is 6400 yuan, there is no other additional costs.

Because the traditional bank car loan business formalities very trouble, but from foreign automobile financial company car loans can only deal with this brand of car loans, consumer choice is limited. So more and more consumers choose credit card instalment purchases.

Responsible person of the credit card center of CCB shandong branch, CCB is domestic takes the lead in launching credit card installment car business of listed state-owned Banks, has accumulated rich experience, perfect product design. Bank "dragon car payment by installments" is to some models of "zero interest, no guarantees, free mortgage" and other characteristics get numerous purchases from the love of consumers. The director said, consumers use dragon installment purchases, can choose according to their own capabilities ranging from stage 12 to 36 in installment reimbursement, convenient formalities, can alleviate the pressure of the money. If lack of money is only a short time, choose the payment by installments is much more than that of auto loan deal, save money can also do other investment, kill two birds with one stone of it, the car can also according to the monthly installment amount installment billing amount calculated integral, accumulated from month to month, exchange gifts accordingly. Financial expert points out, by installment, achieve a car ahead of time, improve the quality of life and work efficiency. Consumption at the same time also save a lot of cost, is a good way of financial consumption.

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