How to handle the process of buying a car by stages in China Merchants Bank?

1. How to handle the process of buying a car by stages by China Merchants Bank?

Credit card installment car purchase process

1) You must have a credit card of China Merchants Bank and have received a text message or email from China Merchants Bank. Call China Merchants Bank 800 and transfer to another car for easy purchase. In this link, China Merchants Bank will determine the amount you can borrow through your credit and the amount of your card. Once the loan amount is determined, your down payment = car price-loan amount approved by China Merchants Bank, purchase tax insurance, etc. It should be noted here that the purchase tax and insurance cannot be loaned, only the car payment can be loaned. Insurance must be fully insured, the third party must be 20w, and the beneficiary of insurance is China Merchants Bank.

2) Once your quota is determined, you need to give a copy of your ID card and a copy of your credit card to the financial specialist of the 4s store, and then you need to fill out a loan slip, and then he will help you operate it;

3) China Merchants Bank will examine and approve the relevant materials of the 4s store after receiving them. This process is very fast, usually completed on the same day, and then it will tell you by phone that the loan has been approved, and then the amount of your loan this month will be deducted on the same day. For example, if you borrow 12w, 12 months without interest,1w; Will be deducted from your credit card on the same day;

4) Then there is the down payment. After paying the down payment at the 4s shop, just wait for the car to be inspected and get the card.

5) you can't drive immediately after you get on the card. You need to go to the credit card center of China Merchants Bank to go through the mortgage formalities with the car purchase contract and invoice. This process is very fast and can be done in 30 minutes.

6) After that, you will wait for China Merchants Bank to inform you that the mortgage application is completed, then China Merchants Bank will distribute the money of your loan to the dealer, and then the dealer will inform you to pick up the car, and the whole process will be over. This process will take about one day, not more than three days.

Second, how to use the CMB car in stages?

China Merchants Bank's car installment quota is earmarked for special purposes and can only be used to buy cars of cooperative brands at car dealers designated by China Merchants Bank.

China Merchants Bank credit card car installment payment specific process is as follows:

1. Log in to China Merchants Bank official website and enter the credit card center.

2. Select the car you want to buy from the popular models, click Enter, and select "Apply Now" and installment calculator on the new page.

3. In the transferred page, fill in the relevant contents according to the prompts and complete the reservation application.

3. How to operate China Merchants Credit Card by stages?

If you want to apply for China Merchants Bank credit card car installment, the specific process is as follows: Step 1: Log in to China Merchants Bank official website to make an appointment and apply for the quota online; Step 2: The staff of China Merchants Bank contact the customer to assist the customer to handle the automobile installment business; Step 3: After the customer submits the application, China Merchants Bank will review the customer's qualification after receiving the application; Step 4: After the approval, the customer can pay the down payment and apply for insurance at the same time; Step 5: China Merchants Bank lends money, and then the customer can pick up the car. Car purchase by credit card installment is a credit card installment business launched by banking institutions. The credit limit that cardholders can apply for is 200,000-200,000, depending on the situation of some banks; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for buying a car by credit installment, and the bank only charges a handling fee. The handling fee rate is different in different installments. Due to the limited credit limit of general credit cards, the issuing bank will generally require the cardholder to provide proof of financial resources. The sources of funds recognized by the bank include real estate license or commercial housing sale (pre-sale) contract, purchase invoice, etc. Some banks require a credit card overdraft limit of 654.38 million to 200,000 yuan, and some banks allow cardholders with good credit to apply for credit lines to buy cars in installments. Obviously, more and more banks will launch credit card installment car purchase business nationwide with the needs of customers. There are China Construction Bank's Longka installment car purchase business, China Bank's "Car Loan Link" business (Beijing only), China Merchants Bank's "Car Easy" business, Minsheng Bank's "Car Link" business, China Industrial and Commercial Bank's Peony Card installment car purchase business, and some local city commercial banks' installment car purchase business, such as Hankou Bank and Bank of Ningbo. However, each bank has its own threshold: China Merchants Bank has to pay more than 30% down payment before it can be phased, while ICBC says it can be phased in full. Some banks can also get zero handling fees for some models. In addition, different models have different installment rates in different periods, and some banks only have designated models for installment.

4. How to handle the process of buying a car by stages in China Merchants Bank?

If China Merchants Bank credit card is used for car installment: We mainly distinguish between different cardholders' installment application methods and application materials to be submitted according to their card performance (such as card holding time, consumption habits, fixed amount, etc.). ), professional status, income, etc. If you are interested in buying a car in the near future, please call Chezhiye at 400855855 two weeks before buying a car.