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二手车贷款相关资料

日期：2015年08月22日 类型：最新动态 作者：匿名
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内容摘要：所需手续：房产证复印件、结婚证或单身证明、银行流水、身份证、户口本、收入证明、外地客户需找济南担保人，担保人也需准备同样的手续。
二手车贷款
1、首付30%
2、工商银行3年贷款利息11.28%
3、担保费：贷款额的3%
4、履约保证：贷款额的2%（贷款还清，中途不违约可退）
5、代理服务费：5万以下：2000元。
5-15万：以2000为基数，贷款额每提高1万，加收200元。
15-30万：以4000为基数，贷款额每提高1万加上100元。
30万以上，以5500为基数，贷款额每提高1万加收50元。
6、人身意外保险（银行要求必须保的，主要是报贷款人）：贷款额的千分之五×贷款年限。
7、VPS卫星定位：1760元。所有高风险的客户必须加装，如：外地客户、代购客户、未婚客户。
举例：客户购买了一辆车款总额6.5万的车，所贷款的费用明细如下：
首付：65000×0.3=19500 可付个整数2万。
贷款额：65000-20000=45000元
三年银行利息：45000×0.1128（利率11.28%）=5076元
担保费：45000×0.03=1350元
履约保证金：45000×0.02=900元
代理服务费：2000元
人身意外险：45000×0.005×3=675元
贷款费用合计：5076+1350+2000+675=10001 （此费用一次要交清）客户需客户月供：45000÷36=1250
一次需交纳的钱总计：2万（首付）+10001（贷款费用含3年利息）=30001，之后每月月供1250,3年贷款还清。
所需手续：房产证复印件、结婚证或单身证明、银行流水、身份证、户口本、收入证明、外地客户需找济南担保人，担保人也需准备同样的手续。

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