How long does it take for public finance loans to be approved?

Public finance loans can be notified within five working days according to personal circumstances. If qualified, you can sign a car purchase contract, pay the down payment and pick up the car. If the document is unqualified, you will be asked to supplement the document and then re-approve; Then there is refusal, that is, disapproval of the loan application. Recently, there have been some adjustments in the public finance examination and approval system, which may delay the examination and approval time. You can ask the sales consultant in the store for details.

Dazhong Financial Services Co., Ltd. was established on September 20 18 17, and is a company focusing on financial services. Financial consumption of public funds can generally be notified within five working days according to personal circumstances. If qualified, you can sign a car purchase contract, pay the down payment and pick up the car. If the document is unqualified, you will be asked to supplement the document and then re-approve; Then there is refusal, that is, disapproval of the loan application.

Car mortgage conditions:

1, a citizen of China who has reached the age of 18, has full capacity for civil conduct and has a fixed residence in China.

2 have a stable professional and economic income, and can guarantee to repay the loan principal and interest on a regular basis.

3. Car mortgage can be provided, and there are guarantee measures recognized by the loan bank.

4. Open a savings account in a loan bank.

5. Willing to accept other conditions stipulated by the lending bank.

The loan process of Volkswagen Finance Company;

1, go to Volkswagen 4S shop to choose a car.

2. Fill in the loan application form of Volkswagen Finance Company and provide relevant supporting materials.

3. Wait for the approval of Volkswagen Finance Company.

4. Home visit of Volkswagen Finance Automobile Company to collect relevant supplementary information.

5. Sign car purchase contracts and car loan contracts.

6. Pay down payment and vehicle purchase tax.

7. Handle new car registration, mortgage registration and other related procedures.

8. Pick up the car and repay it on schedule according to the loan contract.

Auto financing companies generally charge a handling fee. For example, if you buy a car through a loan from General Finance Company, you will charge a corresponding handling fee according to the quality and price of the car. Excelle 1.5 million, LaCrosse 2500. However, there are exceptions. Volkswagen Finance does not charge any handling fees for Volkswagen imported models, nor does Toyota Finance Company.

The annual interest rate of the loan is generally around 8%~ 12%. Among them, the general financial interest rate is relatively high, with 1~3-year interest rate of1.23% and 4-5-year interest rate of1~ 0/.62%. Ford 1~3-year interest rate is 9.90%, and 4-5-year interest rate 10.40%.

In addition, many auto finance companies will launch zero-interest car loan activities according to different models. However, this kind of activity is usually based on the fact that the owner can't enjoy the car price concessions at the same time, and the car price concessions are often large, so the car mainly thinks twice before acting, so as not to lose more.