什么是大額耐用消費品貸款

什么是大額耐用消費品貸款

　　大額耐用消費品貸款是指向消費者個人發(fā)放用于購買大額耐用消費品的人民幣貸款。接下來小編為大家整理了什么是大額耐用消費品貸款，希望對你有幫助哦!

　　Large consumer durables refer to Renminbi loans granted to individual consumers to facilitate purchases of expensive consumer endurables. Expensive consumer endurables refer to household endurable commodities with a unit price of 3,000 yuan or higher and a normal service life of more than two years, including household electrical appliances, computers, furniture, body-building apparatus, sanitary tools, musical instruments, etc. (excluding cars and houses). Large consumer durables loans may be used only for expensive consumer endurables operated by tied sellers that have entered into related agreements with the lender and undertake installment payment business. The length of maturity of large consumer durables loans is usually within one year, with the longest up to three years (or shorten). For a borrower close to the age of retirement, the length of maturity may not exceed the age of retirement (usually 55 for a woman and 60 for a man). The interest rate for large consumer durables loans shall be the rate for loans of the same grade stipulated by the People's Bank of China, and the interest rate shall fluctuate upwards in line with the regulations of the People's Bank of China.

　　If the length of maturity is within one year, interests shall be computed at the contracted interest rate, and they shall remain unchanged in case of the adjustment of the legal interest rate; if the term of one loan is over one year, in case of adjustment of the legal interest rate, a new interest rate shall be adopted in accordance with the relevant grade of interest rate as from the beginning of the following year. The credit lines for large consumer durables loans range from RMB2,000 to RMB100,000. The down payment of a borrower in purchasing expensive consumer goods shall not be less than 20% of the total value of the purchase, and the amount of borrowing may not exceed 80% of the total value of the purchase. The borrower shall open a current account with the Bank of China, and according to the repayment plan provided in the contract, deposit money sufficient for the current repayment of the loan and the interest accrued in the current account prior to the day of repayment and also authorize the lender to withhold the right of deducting the amount from the account on schedule. Within the borrowing time limit, the borrower may, according to the methods of repayment provided by the lender, repay the principal and interests of the loan by installment or by lump sum in full. With the consent of the lender, the borrower may service the debt ahead of schedule.

　　大額耐用消費品貸款是指向消費者個人發(fā)放用于購買大額耐用消費品的人民幣貸款。大額耐用消費品是指單價在3000元以上(含3000元)、正常使用壽命期在二年以上的家庭耐用商品，包括家用電器、電腦、家具、健身器材、衛(wèi)生潔具、樂器等(汽車、房屋除外)。大額耐用消費品貸款只能用于購買與貸款人簽訂有關協議、承辦分期付款業(yè)務的特約銷售商所經營的大額耐用消費品。 大額耐用消費品貸款的期限一般在一年以內，最長為三年(含三年)。將至退休年齡的借款人，貸款期限不得超過退休年限(一般為女性55歲、男性60歲)。 大額耐用消費品貸款的利率執(zhí)行中國人民銀行規(guī)定的同檔次貸款利率，利率上浮應符合中國人民銀行的規(guī)定。

　　貸款期限在一年以內的，按合同利率計息，遇法定利率調整不變;貸款期限在一年以上的，遇利率調整，于下年初開始，按相應利率檔次執(zhí)行新的利率水平。 大額耐用消費品貸款額度的起點為人民幣2千元，最高額不超過10萬元;借款人用于購買大額耐用消費品的首期付款額不得少于購物款的20%，借款額最高不得超過購物款的80%。 借款人應在中國銀行開立活期存款賬戶，按合同約定的還款計劃，于每次還款日前，在活期存款賬戶中存入足夠償還本期貸款本息的款項授權貸款人按期扣款。 在借款期限內，借款人按照貸款人規(guī)定的還款辦法，可分次或一次性地足額歸還貸款本金和利息。 經貸款人同意，借款人可提前歸還貸款本息。