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How to better choose bank car loan

Time: 2017-01-20         Source: Rong 360 finishing         Author: 360 Financial consolidation

How to choose betterBank car loan,details as follows:

First, compare the car loan interest rates of various banks. With the tightness of the bank's car loan quota this year, the car loan interest rate will naturally rise accordingly. However, in order to attract consumers, the bank's mortgage interest rate increase is still different, and the loan interest rate is different. Everyone is hereLoan car purchaseAt the time, you can choose the lowest car loan interest rate in combination with your own loan term to achieve cost savings.

Second, compare the various processing fees of each bank. When you choose "interest-free car loan", you must look at the handling fee. When you apply for interest-free car loans, the bank is likely to charge extra fees for the lender. For example, if the bank does not move, it will charge seven or eight thousand fees. It’s worth it. In addition, everyone should also pay attention to the fact that before the loan is repaid, the car belongs to the bank, and the bank will let the consumer buy a lot of insurance in order to prevent the risk. Therefore, when we sign the contract with the bank, we must carefully consider the terms of the contract. Weigh the cost and make a decision.

Third, compare the loan processing time period of each bank. The approval of bank car loans is rather cumbersome. The general car loan time period is about one month, mainly because the bad debt rate of car loans is relatively high, so bank approval is more troublesome. You can consult in detail with your own credit conditions before handling car loans. Banks can effectively reduce processing time. You can distinguish which bank car loan is good from the above three aspects. Due to the tightening of credit policies, banksLoan amountLimited, banks may give priority to customers with higher loan quotas, while ordinary customers still have to wait for loans.

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