DigiPlus

List of the catalog of this article:

• 1,DigiPlus What are the main profit models of automobile finance
• 2, What are the car financial loan channels
• 3, Loan to buy a car, car finance or bank

What are the main profit models of car finance The profit model

1. The profit model of SAIC General Motors Financial Company is: a non-bank financial institution that provides financial services for car buyers and sellers in China.At present, there are two types of automobile financial services in China, one is to provide wholesale financing services for dealers, and the other is to provide loan services for individual car consumers.

2. The profit model of Volkswagen Finance Co., Ltd. is automobile consumer credit. According to the relevant public information of the inquiry, the profit model of Volkswagen Finance Company is automobile consumer credit. Volkswagen is an automobile manufacturing company headquartered in Wolfsburg, Germany, and is also the core enterprise of Volkswagen Group, one of the world's four largest automobile manufacturers.

3. x0dx0a Internet car financial model II - Building an Internet car financial platform x0dx0a Car e-commerce is not smooth, but car finance is profitable, so many Internet companies are still exploring the model of Internet car finance and trying to build Internet cars directly. Financial platform.

4. Six major operating modes of automobile finance C2C comprehensive service platform mode Like many second-hand car trading platforms, the C2C platform model in the automotive aftermarket can directly point out the pain points of users and is popular.

5. The profit model of Jizhi Automobile Finance Co., Ltd. provides batch sales, retail financing and related services for dealers and customers of the three major automobile brands (Geely, Link, Volvo).

6. Make a profit through sales. BMW Automobile Finance (China) Co., Ltd. (referred to as "BMW Finance"), established in 2010, is an automobile finance company jointly invested by BMW AG of Germany and Huachen BMW Automobile Co., Ltd. BMW Finance is committed to providing customers with intimate financial products and high-quality and professional services.

What are the car financial loan channels

1. Internet car loans Maodou new cars, pop-up cars, etc. are popular Internet car loans now. It is suggested that this loan method is relatively risky, and you must choose a regular platform.

2. The third type: In addition to the above two ways, where else can I get a loan to buy a car? There is also a kind of loan channel, including companies, guarantee companies, pawnshops, P2P loans, etc.

3. There are several channels for car loans: (1) Bank loans choose to buy a car through bank loans. The loan interest rate is moderate, and there are many types of cars to choose from. However, in fact, it takes more time and energy in the process of applying for a loan. In order to control risks, banks usually take a long time to review, and a lot of materials need to be submitted by applicants.

Loan to buy a car, car finance or bank

Generally, bank car loans are 1-3 years, which can be extended according to the customer's qualifications, but no more than 5 years; generally speaking, automobile finance companies can apply for up to 5 years. Car loan. Covering different models. Applying for a car consumer loan from the bank can generally cover all models.

If customers want to be more secure, although banks will have certain limitations, it is still recommended to choose loans from banks; if you want to get funds faster, it is enough to choose manufacturer finance. As long as the personal comprehensive credit is good, whether it is a bank or a manufacturer's finance, the car loan can generally be approved smoothly.

Generally comeIt's better to go to the bank. First of all, the interest rate of the bank is generally relatively low, there is no routine, the process may be slightly slower, and the customer needs to provide a stable work certificate in the background audit credit and big data. If there is no problem, it is the process of going to pieces, lend money, mortgage repayment, and settlement and taking large capital.