Recently, many people found that the intention of car loans, many banks have stopped the car loan business. This does not mean that banks abandoned car loan this area. It is understood that many banks have recently launched the "car loan easy" or similar credit special services, specializing in credit card repayment car 1-3 years.

       According Kero Throttle Body aware, but also said that a number of banks in the bank line of credit limited circumstances, the approval of the car loan is more stringent than before. On the other hand, some car prices car financial services be more the concern of car loans, car loans auto finance options for consumers was significantly increased.

       Before the outbreak of auto loans in the money shortage has been further restricted, the excessive increase of bad credit so that they feel the need to improve the credit threshold. "Our priority now is to protect the mortgage, car loan limits, home improvement loans." Cross the line of the person responsible for the car loan, says that now in addition to high-quality customers, such as occupation of lawyers, civil servants, doctors, associate professor, etc., before accepting a car as collateral for loans, the borrower generally must be accepted as collateral property. 4S shop for a loan recipients approached Zhang also revealed that since June, when banks loan customers to take the practice of merit, have real estate customers more easily through the bank's audit.

       In fact, the current car loan business less profitable, Guangzhou, many banks are no longer involved in the traditional car loan, but the credit card installments converted. A bank manager admits, both in the traditional car loan or line of credit terms on the approval process is more stringent and cumbersome procedures, the profit is relatively low, so the bank staff are not willing to take over.

       By the impact of the recent banking, auto finance business loans increased therefore, the majority of consumers in the car loan, it will choose to use the auto finance company car. Zhongsheng Lexus shop loan officer Miss Lee said, and now the use of bank loans to buy a car customers is relatively small, partly because the proof required more. On the other hand, even in these areas provides evidence that some loans are also approved for long. So consumers will choose more convenient conditions for the auto finance company loans to buy a car.

      Currently Toyota dealers have hope and financial communication, to discuss how to develop financial solutions to improve sales. Mr Wong said that in the past a lot of Toyota Financial Corporation is a financial plan FAW Toyota, Guangzhou Automobile Toyota factory hand finance companies, and most of them are now lending program initiative to contact the Toyota dealer finance company developed.

     Throttle Body body visited the market found that the major brands of auto finance deals, better car loan program is currently the main form of publicity as a prominent position in the exhibition hall to promote more and more car dealers. Dealer car loan programs have gradually become the protagonist of the development, they are more actively with financial companies, according to a company's business situation to develop flexible financial solutions.