Does the monthly payment not affect the loan in time?

How about the micro-car loan of Weizhong Bank? Is it reliable?

Today, with the rapid development of the Internet, it is nothing new to buy a car through online loans. A friend heard that Weizhong Bank's micro-car loan is not bad, and he wants to give it a try, but he is worried. So, what about the micro-car loan of Weizhong Bank? Is it reliable? Today, I will introduce you to the situation of micro-car loans of Weizhong Bank.

Here we will introduce the micro-car loan of Weizhong Bank from three aspects: basic information, platform background and product characteristics.

Basic information

Weizhong Bank cooperates with the largest used car dealer in China to provide car loans for everyone. Weizhong Bank has two loan schemes: low down payment and no monthly payment.

Platform background

Weizhong Bank is a formal Internet commercial bank, which is strictly supervised by the central bank and the China Banking Regulatory Commission. Its main shareholder is Tencent. Xinyou is the largest used car dealer in China, and it has been successfully listed in the United States.

Product characteristics

1, there can be no monthly payment, and the product can be repaid when it expires;

2. After 387 strict tests, the car can be returned without major accidents within 15 days;

3. There are no restrictions on the borrower's household registration, real estate and income. You can apply for ID card, driver's license and bank card, and get the result in 60 minutes at the earliest.

Generally speaking, the micro-car loan of Weizhong Bank has the characteristics of high security and flexible refund, which is more reliable.

I want to borrow 250,000 yuan and pay it off in one lump sum after half a year. There is no monthly payment in the middle.

Banks have short-term mortgages to meet your requirements. You can also try a regular company, but you definitely need collateral.

There is no monthly payment on the loan contract.

There will be no monthly payment on the loan contract.

The purchase contract refers to the agreement reached between the buyer and the real estate development enterprise on the basis of equality, voluntariness and consensus. Monthly mortgage is a loan, and there is no actual connection between how much mortgage buyers need to pay each month and the content of buying a house.

How can I borrow money from the bank to buy a house without paying back the loan every month?

If you have a provident fund, apply for a provident fund loan, so you don't have to pay back the monthly payment.

Otherwise, there is no way.

What does zero monthly payment mean?

Question 1: What does the so-called monthly payment mean? Yes, by year.

Question 2: What does monthly payment mean? Monthly supply means zero monthly supply burden. After deducting the down payment, the remaining money will be paid in one lump sum after one year of consumption, and users do not need to pay monthly within one year. If the user needs to postpone the loan after one year, he can continue to apply for the loan.

Question 3: What does "monthly payment" mean? Monthly mortgage is the mortgage that you have to pay to the bank every month when you buy a house and make a mortgage loan.

For example, if you want to buy a house, but you don't have enough money in your hand, you need to borrow money from the bank, and it is difficult to get a loan. Before the bank gives you a loan, you need to take your house as collateral.

This is usually called 70% to 20% mortgage.

For example, if your house has a market value of 300,000 yuan and a down payment of 90,000 yuan, you can mortgage 2 1 0,000,20 years.

I think you are still young and should be able to keep it for 20 years.

Finally, lend the money, 265,438+00,000 minutes for 20 years (that is, 240 months), and you pay the monthly payment to the bank (interest rate principal).

Question 4: I know zero down payment. What does zero monthly payment mean? A monthly payment is a monthly payment.

Question 5: What do you mean by zero interest and zero monthly payment? Zero-interest and zero-monthly payment is generally a loan method that requires a repayment period of one year, with one-time repayment of principal and interest at maturity and no repayment of principal and interest in the middle of each month. .

Question 6: What does 0 interest rate mean 10 to buy a car? The interest rate of 0 is because the bank will charge you a handling fee at the beginning of the loan, but almost all of them are converted into interest, and the longer the loan term, the higher the handling fee.

Monthly payment, we have also had this situation here, that is, the bank lends you 1 year and charges you a handling fee, but you can pay off all the loans after one year without monthly payment.

Question 7: What does it mean to buy a car at the interest rate of 0.0 on October? First of all, I despise the crazy idiot upstairs. The interest on car purchase on October 0 refers to: for car buyers, after the approval of the bank, the bank provides personal car loan support, and the car sales company gives 1 year loan interest discount, and the customer pays 50% of the car price as the down payment, and the final payment can be paid off in one lump sum at the end of 1 year. After the loan expires, the customer can choose to extend it by about 1 year.

Question 8: What do you mean by zero down payment and low monthly payment? It means you don't have to pay the down payment, just pay it monthly.

Generally, if you do it yourself or in a 4S shop, you can borrow up to 70% of the car value, which means at least 30% down payment, and it does not include purchase tax, licensing and insurance. So much more than 30%.

The down payment of 0 is a complete down payment of 0, and the car is directly driven away, and the monthly payment is directly made.

We can handle it here.

Question 9: What does it mean to buy a car at 0 interest rate? This is just a marketing tool. Remember that wool comes from sheep, and profiteers will never do business at a loss. Look at the following article, and you will understand what a zero interest rate is.

When the bank car loan interest rate needs to rise 10% on the basis of the benchmark interest rate, the high interest rate makes "0 interest rate 0 interest" become the yearning of many consumers who are ready to borrow money to buy a car, but when you choose this kind of car loan,

However, it is found that there are very few optional models, and the discounts are all 50%. Such restrictions are inexplicable and even have a high handling fee. After calculation, "0 interest rate 0 interest" didn't make you get much cheaper.

Mr. Liu, who has always wanted to buy a car, once considered borrowing money to buy a car, but found that only the guarantee fee, insurance premium and other related expenses would cost more than 7,000 yuan, which is very uneconomical if the annual interest is added. "I heard that some models have zero interest rates." Mr. Liu began to think of zero interest rate.

situation

Maximum difference of car loan in two years 1272 yuan.

Take 1 1 10,000 yuan automatic car as an example. Calculated by ordinary loans, the down payment is 40%, and the loan is 65,000 yuan, which will be paid off in two years. The total interest for two years is about 5500 yuan, and then the monthly repayment is about 2937 yuan.

According to the credit card installment repayment calculation: 40% down payment, the remaining 65,000 yuan car payment, paid off in two years. Credit card repayment does not need to pay interest, but the handling fee is 6.5% of the loan amount, about 4225 yuan. After accounting, the monthly repayment is about 2884 yuan.

According to this calculation, paying back the car loan by credit card costs less 53 yuan every month than ordinary loans, saving 1272 yuan for two years.

"Zero interest rate" is insulated from the best-selling cars.

Buying a car with a loan can make many people drive ahead of time. The bank car loan interest rate rises by 65,438+00% on the basis of the benchmark interest rate, so consumers not only enjoy the preferential price of buying a car in one lump sum, but also pay higher interest. If you apply for a regular car loan of 6.5438+10,000 yuan, you can choose the method of equal principal and interest to pay it off in three years, and the interest paid in three years is as high as 6.5438+10,000 yuan, which is really not cost-effective. Therefore, "0 interest rate 0 interest" is favored by some consumers.

At present, smart car dealers naturally understand the hearts of consumers and begin to promote zero interest rate and interest-free publicity. "Down payment of 80,000 yuan, driving away mazda 6, zero interest, zero monthly payment." It is understood that the so-called zero interest rate and zero monthly payment refers to a down payment of 50%, interest-free within one year, and a one-time repayment of the other half of the car purchase after one year. Will banks or auto financing companies really lend money to ordinary people for nothing? A credit staff told reporters that zero interest rate does not mean that banks or auto financing companies do not charge interest, but that this part of interest is borne by manufacturers and dealers, and then subsidized to banks or auto financing companies. If you carefully observe these models with zero interest rate car loan business, you will find that the real "zero interest rate" discount rarely appears on the hot-selling models, especially the new cars that have just been listed, and most of them are models with large market concessions. A dealer boss mysteriously told reporters that "zero interest rate" is only a propaganda means, and there are many restrictions and mysteries. Rather than simply lending you money, dealers and manufacturers will not do business at a loss.

"zero interest rate" model

If you buy Crown, Corolla, VIOS and other models, you can enjoy "0 interest rate and 0 monthly payment", and you can drive away the Crown with a down payment of 50%. Don't pay within one year, and pay 50% more after one year.

You can enjoy a loan interest rate as low as 0%, a flexible loan period of 1-4 years, and ultra-low daily payment from 49 yuan. You only need to pay 50% of the car price to win the purchase, and the remaining 50% will be settled after 1 year. During the loan period, you can enjoy 0 interest rate and pay in 0 months.

Lexus launched a "zero interest rate, 1 take 3" financial car purchase scheme for IS300 and ES350 luxury versions: 50% down payment, interest-free monthly payment for 1 year, 50% balance payment after 1 year, or 30% or 50% down payment and interest-free loan for two years.

If you buy Audi A4L, 12- 18 will enjoy zero interest rate and zero monthly payment, and 24-36 will enjoy low interest rate and low monthly payment.

You can enjoy the preferential loan scheme of 18 months with zero interest rate or 36 months with 2.99% low interest rate when you buy the ESLKBGLK series imported from Mercedes-Benz.

Buy Buick Excelle for free1February, 24 interest-free installments.

Counting Six Crimes of "Zero Interest Rate"

In the context of bank loans raising interest rates all the way, car loans that used to be troublesome can still be interest-free. Is the "car loan zero interest rate" discount worth it? Professionals remind that you should pay attention to choosing an interest-free car loan when buying a car. ......

Question10:1What does it mean to pay 50% down payment in October? After all, it is a loan to buy a car. The down payment is half of the car price. For example, a car with 65,438+10,000 yuan has a down payment of 50,000 yuan.

Monthly payment means no repayment every month. For example, loan 1 year, and the balance can be paid directly after it expires. For example, for a 65438+ 10,000 car, the down payment is 50,000, and another 50,000 will be paid one year later.

Considering that the loan to buy a car is clear, the 4S shop will require full insurance, about 4,000 yuan. And there is a guarantee (loan five points), the handling fee is 2000, and the deposit is about 2000.

Self-arc calculation, is it cost-effective?