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car loan

With the gradual development of transportation, more and more people have chosen to buy a car as their own means of transportation, and some families have introduced a preferential policy for car loans because they do not have enough funds to purchase their favorite vehicles. Go for a better lifestyle as soon as possible.

What are the conditions for a car loan?

(1) The purchaser must be at least 18 years of age and a Chinese citizen with full civil capacity.

(2) The purchaser must have a more stable occupation and a relatively stable economic income or possess assets that are easy to liquidate, so as to repay the principal and interest of the loan on schedule. The assets that are easy to liquidate here generally refer to securities and gold and silver products.

(3) During the loan application period, the purchaser's account in the account of the bank savings counter is lower than the first installment of the purchase price specified by the bank.

(4) Provide the bank with a bank-approved guarantee. If the purchaser's personal account is not local, the joint liability guarantee should also be provided, and the bank does not accept the mortgage set by the purchaser to purchase the vehicle.

(5) The purchaser is willing to accept other conditions as deemed necessary by the bank.

Materials needed for car loans

1. Have a valid identification and have full civil capacity;

2. Can provide proof of fixed and detailed address;

3. Have a stable occupation and the ability to repay the principal and interest of the loan on time;

4. Personal social credit is good;

5. Hold a car purchase contract or agreement approved by the lender;

6. Other conditions as stipulated by the partner institution.

Car loan application steps

1. Steps for car loan for car company loans:

2. Choose products that require car loans;

3. Apply for general car loan packages and services on-site according to your own situation;

4. The staff conducted a loan review and approval;

5. The store signed a contract to pick up the car;

Car loan considerations

inWhat are the conditions for car loan?On the issue, the bank will also implement “concession terms” for some people. In addition to traditional mortgages, pledges, guarantees, etc., the bank also provides certain credit lines for some creditworthy customers. They can apply for a loan by credit.

Everbright Bank Auto Loan

The personal automobile consumption loan refers to the RMB loan issued by China Everbright Bank to the purchaser for the purchase of a non-operating first-hand passenger car under his name. Passenger cars are vehicles that are primarily used to carry passengers and their carry-on baggage and/or temporary items in their design and technical characteristics, including up to nine seats, including the driver's seat.

• loan amount: The maximum amount of personal automobile consumption loan does not exceed 70% of the actual transaction price of the car (excluding various types of additional taxes, fees and premiums, etc.), and new energy vehicles can be appropriately increased to 80%.

• Loan termThe maximum loan period is no more than 5 years. When the loan expires, the borrower is no more than 65 years old.

• Guarantee method: Vehicle Mortgage

• Repayment: The two repayment methods, such as monthly equal amount, monthly basis, etc.

Minsheng Bank Personal Auto Consumption Loan

feature of product

1. The loan period is long and the amount is high;

2. The loan method is flexible and can be applied through the cooperation dealers of our bank or our outlets;

3. Less loan procedures, quick approval, and timely lending;

4. Normal repayment for more than one year, no repayment in advance.

Basic conditions of the borrower

1. A natural person who is 18 years of age or older;

2. Have a stable career and income;

3. Personal credit status is good;

4. The purchased models are mainly for personal and family-owned models.

Shanghai Pudong Development Bank Auto Consumption Loan

Refers to a personal loan issued by the bank to the borrower for the purchase of a new non-operating car under my name.

feature of product

1. Flexible application time: apply before buying a car, when buying a car, after buying a car

2. Repayment flexibility: If the loan period is less than one year (inclusive), the repayment method of repaying the debt on a monthly basis or repaying the principal on a monthly basis may be adopted. If the term of the loan is more than one year, the repayment method of repaying the principal and interest on a monthly basis may be adopted; and the diversified repayment method may be adopted according to the characteristics of the borrower's income and expenditure.

3. SMS notification: "Timely words" SMS reminder to avoid penalty loss and credit damage caused by busy work and forgetting repayment.

Apply for loan conditions

1. A natural person who is at least 18 years of age (including) with full civil capacity and whose loan maturity date is not more than 60 years old (inclusive).

2. Have a permanent residence in town or a valid residence status.

3. Have the legal, stable economic income, good credit, and the ability to repay the principal and interest of the loan.

4. A car purchase agreement or contract has been signed.

5. Can provide bank-approved guarantees.

6. Other conditions required by the bank.

Shanghai Bank Personal Auto Consumption Loan

MeansShanghai Bank LoanThe RMB loan issued by the bank to individuals for the purchase of self-use cars.

Loan amount: The loan can be up to 70% of the purchase price.

Loan term: The loan period can be up to 5 years.

Lending rates: Execution after the relevant benchmark interest rate for the same grade loan announced by the People's Bank of China is properly floated.

Guarantee method: Borrowers must apply for a car loanShanghai BankThe loan guarantees a valid guarantee approved by the bank, including the mortgage of the purchased car, the mortgage of the real estate, the pledge of the deposit or treasury bond, and the third-party guarantee. The specific guarantee method is determined by negotiation between the borrower and the lender.