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Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82
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  中国证券报·中证金牛座记者调研了解到,浙江地区多家国有银行于近日调整车贷提前还款规则。

  “车贷政策变了的消息,我们也是刚接到银行工作人员的通知。工商银行、农业银行等由原来的‘贷5满2’政调整为‘贷5满3’政策。以前,客户申请5年车贷,满2年提前还款就能申请违约金减免,现在需要满3年。目前,浦发银行、兴业银行的政策还没变,还是‘贷5满2’。”4月16日,浙江杭州某4S店销售人员小赵告诉记者。

  “从4月15日起执行的车贷新政策,客户需要贷满3年才能免除提前还款违约金。相关系统正在升级,待系统调整好后,1年内提前还款违约金比例是8%,1年至2年内提前还款违约金比例是5%,2年至3年内提前还款违约金比例是3%。”浙江杭州地区工商银行工作人员告诉记者。

  事实上,“长贷短还”(客户申请5年期贷款,在1年或2年后即可提前还款)一直以来都是汽车销售人员吸引客户贷款购车的话术,但此举让银行颇感无奈。“经销商这样做,会让银行的贷款收入大幅下滑。”某银行人士向记者表示。

  为了提升汽车金融市场份额,银行常与汽车经销商合作揽客。银行以高额佣金吸引汽车经销商与其合作,通过提供较长期限的车贷获取利息收入。汽车经销商可以从银行获得高额返点,用于补贴车价、增加汽车销量。该现象在业内被称为“高息高返”。

  业内人士认为,目前银行调整车贷提前还款的相关规则,主要是因为行业规范以及自身利润压力等。

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