Automobile loan customer service telephone number

Chang 'an Finance Car Loan Customer Service Phone

Changan Finance Car Loan Customer Service Tel: 05 10-88888223. Main information:

China Ordnance Equipment Group Corporation, Chongqing Changan Automobile Co., Ltd., Ordnance Equipment Group Finance Co., Ltd. and Chongqing Yufu Asset Management Group Co., Ltd. jointly set up an innovative automobile finance company with the sales and consumption of the automobile industry chain as the core and providing nationwide, all-brand and all-vehicle services.

Matters needing attention in automobile loan:

1. In the credit review, it should be noted that when considering the borrower's repayment ability, the bank will comprehensively consider the borrower's real estate status, income, occupation, credit record, and even industry and education, so as to judge the borrower's loan qualification. In addition to paying attention to the real estate license, the borrower's occupation and income are all important criteria.

2. The loan documents should be complete. Generally, to apply for a personal car loan from a bank, the borrower needs to prepare identity documents or other valid proof of income sources, income in currencies such as funds and stocks. If a family applies for a personal car loan from a bank, it shall also submit the identity certificate of the borrower's spouse to the bank.

95588 How to check the car loan? Can you call 95588 to settle the car loan in advance?

1. The customer service number for calling the car loan is: 0353-6222-678. Ask the customer service staff to help you check the calculation method of liquidated damages for your products;

2. In many loan contracts, the car loan will indicate the calculation method of liquidated damages for early repayment, which can refer to the contract;

3. Contact the loan specialist through the official WeChat account of the car loan and ask them what the penalty for prepayment of the car loan is.

After introducing the content of liquidated damages, Xi Cai Jun will introduce the specific methods of prepayment.

1. Log in to the car loan official website through the computer, find the order that needs to be returned in advance in the personal loan account, and return the remaining loan principal, interest and prepayment penalty according to the amount prompted by the system.

2. Download and log in to the car loan mobile APP, enter your own loan account, find the loan order to be returned in advance in the order column, and select all repayment.

3. Contact the account manager who provides services for himself and make repayment at the offline business outlets of the car loan.

Extended data:

At present, a set of risk control management mechanism including credit risk management and credit management system has been established for auto loans. It includes a central risk control mechanism that runs through the whole process before, during and after the credit granting, and adopts a periodic risk management mode to dynamically monitor customer information in an all-round and uninterrupted way through the "three lines of defense" of the regular business department, the approval risk control center and the risk control department.

In addition, the advantages of big data accumulated in 1 1 year have innovated the risk control model, and used the leading technology of the international consumer credit industry for reference to continuously optimize our risk control model, so that customers can get more evaluation in the model and continuously improve the central risk control management mechanism of credit risk management and credit management system.

At the same time, the scorecard model used by Ping An in inclusive finance draws lessons from the leading technology of the international consumer credit industry, combines its own accumulated business data for many years, and comprehensively evaluates customer risks based on credit records, customer natural attributes and third-party big data information.

China Industrial and Commercial Bank Auto Loan Telephone

The customer service telephone number of auto finance is 035-3622-2678.

Auto finance means that when consumers need a loan to buy a car, they can directly apply for preferential payment from auto finance companies, and they can choose different models and different payment methods according to their personal needs.

Since the "Administrative Measures for Auto Finance Companies" was officially implemented on August 8, 2004, China's auto finance market has experienced a development course of 14 years.

During this period, China's automobile sales increased by nearly 300%, but the automobile financial penetration rate only doubled, far below 70-80% of foreign consumption.

Extended data:

Financial model:

Replacing "selling" with "renting" is also a kind of automobile financing lease. It first appeared in the United States, and now it has become the mainstream of American auto financial services. He is different from the traditional financial loan to buy a car. He rented the car to a customer, and the ownership of the car belonged to the auto financing company at that time. After the lease expires, the ownership of the car belongs to the customer. The advantages of this auto finance are as follows:

(1) Packaged leasing lowers the threshold for car purchase. Chuangfu Auto Finance takes the naked car payment, purchase tax, license fee, insurance and other taxes and fees as the installment payment object. Customers only need to pay 20% of the total amount as the deposit and 1% of the handling fee within one year to get the right to use the vehicle, and the 20% deposit will be returned after the lease term ends.

(2) Rent is a kind of expense to provide VAT invoices for enterprises. It can be used as a voucher for reimbursement of car stickers and also as a basis for enterprise accounting.