Is it convenient to get a car loan from Weilai?

Convenient, flexible deadline and high cost. At present, China Merchants Bank has personal car consumption loans, which are issued by our bank to customers who buy brand-new non-operating cars under my name. It is used to pay for the car purchase, and it is impossible to lend cash. (Second-hand car loans are not supported at present) If you have seen the car you need to buy through the car dealer, you can confirm whether you have cooperation with China Merchants Bank through the car dealer. If not, you can try to contact the personal loan department at the counter of China Merchants Bank directly to apply for a loan for you. The handling bank needs to examine your situation in detail to determine whether you can handle it. The maximum loan amount is 2 million yuan. And the maximum loan amount does not exceed 70% of the price of the purchased vehicle (excluding various additional taxes and premiums); The loan term is generally not more than 3 years, and the longest is not more than 5 years.

1. There are three parts in loan collection: SMS, telephone and door-to-door. When you owe money in the early stage, the salesman of the small loan company will kindly remind you by text message or phone that it is time to pay back the money. However, in the later stage, if the small loan company repeatedly reminds you and urges you to pay back the money, and the applicant is still indifferent, then they may take the form of mass text messages to let the relatives and friends of the applicant know that you borrowed money outside and never paid it back, which will damage the applicant's reputation.

2. In addition, some small loan companies will require borrowers to fill in at least a few close contacts when filling in loan information, such as the applicant's parents, relatives, friends and colleagues. Some need the authorization of the applicant to read the mobile phone address book and the communication records of the operator's online business hall. When the applicant fails to pay the money, not only you may be bombarded by telephone, but also the family and friends around the applicant may be harassed, which will seriously disrupt your life and that of your family.

3. After a series of collection activities, if the financial institution finds that the collection has failed, it can bring a lawsuit to the court and recover the loan by legal means. During this period, the applicant may receive a reminder letter and an execution document issued by the court. Once the court makes a judgment, even if 100 applicants are unwilling, the repayment ruling must be executed, otherwise the court will inquire about the applicants' property, or freeze or detain it.