Expert evaluation results: the handling fees of ABC, BOC and ICBC are more favorable, with no upper limit; However, if consumers only choose for low rates, they may not be able to handle it in the end. Because there is an invisible threshold behind the handling fee rate: application conditions. At this point, CCB and China Merchants Bank are more "close to the people".
ABC has the lowest rate and the highest people's livelihood; Many banks and dealers like to attract customers with the slogan of "interest-free", but in fact, interest-free does not mean free, and in most cases it is just a name of charging-"handling fee". Among the 10 car purchase schemes promoted by major banks, the handling fee of ABC is the most favorable. The handling fees of 12, 24 and 36 are 4.5%, 7.5% and 10.45% respectively.
ICBC Guangzhou Branch is quite special, and there are two different rate schemes according to the application conditions of real estate. If the applicant owns real estate, the handling fee rates for 12, 24 and 36 periods are 4.48%, 7.89% and10.78% respectively; If there is no real estate, the handling fees for phases 12, 24 and 36 are 5%, 8% and 1 1% respectively. However, even if there is no real estate commission rate, ICBC's commission rate still ranks fifth among the nine evaluation banks. The handling fees of Bank of China for 12, 24 and 36 were 4%, 8% and 12% respectively. Because the handling fee of 12 was cheaper, it surpassed ICBC and ranked second on average.
Comparatively speaking, China Merchants Bank does not have an advantage in the handling fee rate, and its handling fees for 12, 24 and 36 periods are 5.5%, 10.5% and 14.5% respectively. Among the nine banks, Minsheng Bank has the highest commission rate of 5.8%, 12, 24, 36, 1 1.6% and 17% respectively.
Take the three-year 15000 as an example, the Agricultural Bank of China charges a handling fee of 15675 yuan, and the Industrial and Commercial Bank of China charges a handling fee of 16 170 yuan. According to the current average yield of 4.5% of bank wealth management products, the wealth management income of 654.38+0.5 million yuan in three years is 20,250 yuan.
CCB and China Merchants Bank have low thresholds; However, if consumers only choose the low rate of ABC or ICBC, they may not be able to handle it in the end. Because there is an invisible threshold behind the handling fee rate: application conditions. Taking Guangzhou as an example, ABC requires applicants or their immediate family members to have real estate in Guangzhou or surrounding cities, and in order to obtain ICBC's low-interest credit card installment plan, they also need real estate. In addition, Minsheng Bank and Industrial Bank also require applicants to have real estate in Guangzhou, while Bank of China requires at least the guarantor to have real estate in Guangzhou. Of course, it will be easier if you happen to get paid in their bank.
What if there is no room? You can also pray that you have a good company: the above-mentioned bank account managers all said that if the applicant is a civil servant, the requirements can be relaxed appropriately. Bank of Guangzhou restricts applicants to national civil servants or employees of high-quality institutions and listed companies. In contrast, China Construction Bank, China Merchants Bank and Shanghai Pudong Development Bank seem to be "close to the people": the credit record is good, and Guangzhou Social Security may have enough water.
After visiting 4S stores of many brands in Guangzhou, it is also confirmed that there is indeed a "threshold". The salesperson first asked the car buyer if he had any real estate in Guangzhou. After getting a negative answer, he suggested that car buyers choose CCB or China Merchants Bank. Liang, a sales consultant of Guangzhou Automobile Trading Co., Ltd., said that it is almost impossible for other banks to apply for social security except CCB and China Merchants Bank. If you have a quality guarantor, you can also try to apply for BOC.
In addition, except for a few promotional models, most banks require car buyers to pay 30% down payment themselves, and the down payment cannot be paid by our credit card. Wu Jingli, Guangzhou Branch of China Construction Bank, said, "Credit card purchases are mostly pure credit guarantees, so it is reasonable to ensure that customers have 30% down payment ability, which can avoid banks taking too much risks. The upper limit of 500,000 CCB is also based on this consideration. "
Similar to CCB, Shanghai Pudong Development Bank and China Merchants Bank have upper limits of 500,000 and 700,000 respectively. Unlike their caution, city commercial banks are more radical. Manager Chen of Guangzhou Bank made it clear that "civil servants can borrow 80% of the price of bare cars. In principle, there is no upper limit, and non-civil servants can borrow up to 70%." Minsheng Bank also publicizes that high-quality customers can enjoy the "maximum amount of 654.38+0.5 million, 0 down payment loan".