Tightening of car loan so that dealers felt the pressure is not small, funds, sales of two aspects of both. "Reducing prices to sell energy back to the" situation, the number of 4S stores are present.

However, the "car more affected by consumer demand, is also a great option for 200,000 yuan low-grade car, this may be a development opportunity."
According to the Throttle Body  Kero noted, the moment the car select business loan, not a wise move. Business loan approval too much trouble! Need to provide a lot of relevant evidence, including: nearly half of bank water, proved no bad credit history; proof of real estate; workplace wages issued certificate and proof of the family and so on.
How to provide auto loans banks approval criteria? The first car to get through Yaohao qualifications, and must be Beijing accounts, these two conditions is a prerequisite for auto loans. In addition, buyers need to meet the conditions of any one look, or to permanent staff status of the institutions above the county level working two or more years; career as a doctor or a teacher, or other high-quality industry employees ; or have Merchants Bank Gold, VIP cards and the like; or a fixed real estate, and the value of the property at 150 million yuan, requires real estate in the name of husband and wife, immediate family name in real estate is not established.

At the same time, from the Merchants Bank customer service officer that, at present, China Merchants Bank car loan benchmark interest rate five-year loan bears interest at 6.4%, three-year benchmark lending rate by 6.15% per annum. "The interest rate can be used as reference, the final will be based on their overall situation to be, in the vicinity of 6.4% and 6.15% fluctuate. 2011, three-year loan bears interest at the benchmark interest rate of approximately 6.6%, 6.9%, five-year period currently level of interest rates, lower compared to 2011, but in 2012 compared to no change. "

Car loan tightening impact on consumers at the same time, the industry's most attention than the impact on car prices. From the point of view of impact, passenger cars by auto loans tightened relatively large, mid-range cars affected.

According Kero Throttle Body is understood that from personal consumption point of view, many consumers buy cars, are the basis of its economic strength probe to explore slightly upward, lending some money car. Auto loans tightened, it will definitely pulled sales of passenger cars in a given period, the market will have an impact.
Automotive Industry Association believes that tightening the passenger car business car loan would be affected, but not great. "In people's lives, the car is a single product, by the consumer demand is relatively large. For example, it may before I am ready to buy $ 300,000 car, loans 100,000 yuan, is now lending tightened, I can also choose to 200,000 element models, optional large. "

Thus, for a 20 million or less in low-grade car, this may be a development opportunity. "Auto loans tightened until what time can not be expected, however, fails there too, for the low-end car market, corporate or will usher in opportunity." The trade association sources said.

On the other hand, "the car loan market tightening might be some positive role in guiding, changing everyone's consumption concept and capabilities. On automobile production enterprises, enterprises need to adjust the structure, according to changes in market demand adjustment product structure. "said Association, who stressed that the tightening of the overall car market car loan has little effect on the market have an impact on the stage.