Once your car loan is approved, you will not be charged any fees before the loan is disbursed. When the loan is disbursed, you will be charged an animal insurance setting fee of NT$3,500 to NT$4,000, and there is no other fees.
The annual interest rate of the car loan is adjusted according to personal circumstances, and the repayment method is the average repayment of principal and interest. The fixed interest rate does not fluctuate.
Bad payment record:Content: 7-15-30-60-90 days
Refusal to communicate:Cheque bounce - 3 years of disclosure
Forced card suspension:Credit card - 6 months from the date of repayment
Credit exception:Credit loans over 30-60 days - disclosed based on repayment date for 3 years
Overdue collection:90-day collection is invalid - 3 years based on the repayment date
bad debt:After the enforcement is invalid, the disclosure period is indefinite. If the debt is paid off, the disclosure period is 5 years.
Negotiation:Disclosed based on the repayment date for 3 years
Bankruptcy, Rehabilitation, Liquidation:10 years of exposure
Car loans are available to all types of people regardless of occupation. Individuals, companies, vendors, taxi drivers, and people from all walks of life can apply.
Auto loan borrowers can generally be divided into the following three categories:
Individual accounts need to prepare:Copy of ID card, copy of second ID (health insurance card, driver's license, etc.), copy of driving license.
Corporate households need to prepare:Company establishment registration form, change registration form, business registration copy (trade name), 401 form and above documents, as well as photocopies of the ID card of the person in charge, photocopies of the second ID of the person in charge (health insurance card, driver's license, etc.), and photocopies of the driving license.
Taxi needs:Copy of business registration certificate, ID card, second ID (health insurance card, driver's license, etc.), and driving license.
Zhan Hong International Enterprise─Our experienced team will help you find the most suitable car model.Welcome to make an appointment for a test ride
