What does financial loan mean?

Question 1: What does financial loan mean? A loan is to borrow money from a bank, and to borrow money from an individual or a pawnshop is called a loan. Whether it is a financial loan or a bank loan, it is a common saying.

Question 2: What does double exemption for financial loans mean? It means free of charge and interest.

This kind is generally used by car dealers!

Question 3: What do you mean by withdrawing money from the bank? Let me give you an example: you apply for a RMB loan of 654.38+00,000 yuan from the bank, you are the borrower, and the bank that gave you the loan is the lender. According to Baidu, a borrower refers to an enterprise, institution or individual that borrows money from a lender with its own credit or property as a guarantee or a third party as a guarantee in credit activities. Lenders refer to financial institutions that use credit funds or free funds to issue loans to borrowers in loan activities.

Question 4: What's the difference between car loan, bank loan and financial loan? Advantages and disadvantages? Nonsense upstairs

A bank loan is to buy a vehicle by installment mortgage. Do you pay the bank back?

Financial loans are generally automobile brands themselves or cooperative financial companies or financial companies. Do you pay them back?

The general bank's mortgage approval process is relatively slow and the requirements for information are relatively high. General companies have fast mortgage procedures and few procedures. The disadvantage is high interest (at least higher than that of banks 1 minute).

Question 5: What does a financial service fee loan mean? The financial service fees of loans are mainly handling fees and deposits.

Question 6: What is a financial loan? What do you mainly do? What business do you do in those industries? Who did you lend it to? I am a guarantee company, which is the financial loan you mentioned. What's the problem?

Question 7: What does it mean that the auto financing loan has been accepted? Auto finance means that when consumers need loans to buy cars, they can directly apply for preferential payment methods from auto finance companies, and they can choose different models and different payment methods according to their personal needs. Compared with banks, auto finance is a new choice for car purchase. At present, there are two ways to buy a car loan: banks and auto financing companies. Bank car loan procedures: it is necessary to provide household registration book, real estate license and other information, generally using the house as collateral, looking for a guarantee company to guarantee, and paying a deposit and handling fee. Down payment: Generally, the down payment is 30% of the car price, and the loan period is generally 3 years. Need to pay a deposit of about 65,438+00% of the car price and related handling fees. Interest rate: the bank's car loan interest rate is determined according to the bank's interest rate. ? Procedures of an auto financing company: You don't need to provide any guarantee for car buyers, as long as you have a fixed occupation and residence, a stable income and repayment ability, and good personal credit. Down payment: the down payment ratio is low and the loan time is long. The minimum down payment is 20% of the car price, and the longest life is 5 years, without paying the mortgage fee. Interest rate: The interest rate of auto financing companies is usually higher than that of banks. Company: FAW-Volkswagen Dongfeng Motor SAIC-GM Beijing Benz Ford Toyota was founded by Liu Hongping. [Edit this paragraph] The connotation of automobile finance mainly refers to the financial services related to the automobile industry, and it is the way, path or a basic framework of financing involved in automobile R&D, design, production, circulation and consumption, that is, how funds flow in the automobile field, from the capital supplier to the capital demander. It mainly includes fund raising, credit application, mortgage discount, financial leasing, and related insurance and investment activities, which is the inevitable result of the mutual penetration of automobile industry and financial industry. Automobile finance is the combination of automobile industry and finance, and it is an important field of industrial finance at present. Through the capitalization of resources, assets, intellectual property rights and future value, automobile finance realizes the combination of industry and finance, promotes the interactive development of the two, and thus realizes value appreciation. The development of the whole life cycle value chain of auto finance industry has promoted the development of various auto finance products and provided solutions for auto finance participants. In the book Industrial Finance, the whole life cycle automobile financial service system is put forward, and various applications and cases of financial instruments are listed. At the same time, a series of solutions are put forward: 1, the overall solution of automobile manufacturers, the overall solution of automobile dealers, the overall solution of automobile insurance companies and the overall solution of automobile financial institutions [edit this paragraph]. The development of China's auto finance market is still in the initial stage in China, while in foreign countries, auto finance companies have matured and grown after years of market tests, and the average proportion of car loans in developed countries is about 70%. By the end of 2006, 38.2% of users in 465,438+0 countries around the world bought cars through loans, and auto financing companies have become one of the important profit sources for auto companies. When a country's per capita GDP reaches 700 dollars, it begins to enter the era of automobile consumption. On August 18, 2004, Shanghai General Motors Finance Co., Ltd. was formally established, which was the first auto finance company in China after the implementation of the Administrative Measures for Auto Finance Companies, marking the beginning of the transformation of China's auto finance industry into a professional period dominated by auto finance service companies. Subsequently, Ford, Toyota and Volkswagen Financial Services Company were established one after another. On June 65438+1 October12004, the CBRC issued the Measures for the Administration of Automobile Loans to replace the Measures for the Administration of Automobile Consumption Loans, which further standardized the automobile consumption credit business. China automobile consumption credit began to develop in the direction of specialization and scale. In this process, the role of insurance company's auto loan insurance business in the whole auto consumer credit market gradually weakened, professional auto credit service enterprises began to appear, and banks and auto finance companies began to compete in an all-round way. By the end of 2007, there were 9 auto financing companies in China, including 3 joint ventures and 6 wholly foreign-owned companies. By the end of 65438+ in February 2007, the total assets of the eight companies that have started business are 28.498 billion yuan, of which the loan balance is 25.5./kloc-0.50 billion yuan, the total liabilities are 22.822 billion yuan and the owners' equity is 5.676 billion yuan. The accumulated profit in that year was 1.647 billion yuan. [Edit this paragraph] Measures for the Administration of Auto Financing CompaniesNo. 1 of China Banking Regulatory Commission in 2008 "Measures for the Administration of Auto Financing Companies" was approved at the 64th Chairman's Meeting of China Banking Regulatory Commission on February 27th, 2007. & gt

Question 8: What does 5050 loan mean? It is a special term for auto finance, which is mainly used for auto finance company loans. 5050 means 50% monthly down payment and 50% interest after 1 year. In other words, 50% of the loans are free of interest, commission, guarantee and repayment within one year. To put it simply, 50% of the car payment in 1 year is not required to be returned.

5050 loan scheme. This is a financial loan product launched by a financial company. It can make consumers have zero monthly supply pressure and zero interest pressure. /kloc-During the period of 0/2 months, there is no monthly payment and no interest pressure. The car purchase fee is divided into two stages: down payment and final payment, and the principal is paid off in one lump sum on the due date.

Question 9: What does the third trial of financial loans mean? Review what? Final trial

Question10: What does GMAC financial loan mean? GMAC is a financial company under the General Motors Corporation, which provides loan financing services for automobile manufacturers, car buyers and 4S stores around the automobile production and sales industries.

GMAC financial loan is the loan provided by this financial company.