来源:股城网 | 2022-01-05 10:38:15 |
年末了,很多年轻人打算贷款买一辆车,但又担忧自己不具备申请车贷的条件,更担忧因没有能力导致逾期还款。问题来了,申请车贷需要什么条件?车贷逾期怎么协商还款?下面给大家说说这两件事。
银行汽车贷款利率通常是在5%-12%之间,贷款一年的利率在3%-6%之间,也就是说贷款5万元,一年的利息大约为1500-3000元。一般来说,四大银行贷款利息比较低。
申请车贷后必须按时还款,若实在没有能力还款,可以尝试和银行协商还款。协商时需要把个人现有的实际困难如实说明,并提供现在的月收入情况,以及个人负债情况(一般都是需要提供个人最新的征信报告),如果能够提供个人的失业证明或者贫困证明能更有助于协商成功。
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