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Fusion 360>Financial Encyclopedia> Loan Encyclopedia> Ya'an City Commercial Bank Auto Loan
Ya'an City Commercial Bank Auto Loan

Ya'an City Commercial Bank is the first local commercial bank in Ya'an. Its auto mortgage loan is based on natural persons, and mortgages are used to purchase vehicles. At the same time, a financing guarantee company that has signed a cooperation agreement with Ya'an City Commercial Bank provides joint-liability guarantees for small car special loans. The approval process is fast, efficient and reasonable.

Ya'an City Commercial Bank Car Loan Application Information

(1) Auto mortgage loan application form;

(2) marriage certificate documents;

(3) Original copy of the valid ID card of the borrower (and the spouse), the original and a copy of the permanent residence card;

(4) proof of residence (real estate license or purchase agreement or recent water, electricity, liquefied gas and other payment documents);

(5) Borrower (and spouse) occupation and income certificate (work permit or license or unit payroll passbook or personal income tax payment certificate or other valid certificate);

(6) The Ya'an City Commercial Bank opened a personal settlement account and deposited the first payment for the purchase of cars and the first repayment of funds as stipulated by the bank;

(7) To provide the "business contact letter" that the guarantee company agreed by the Ya'an City Commercial Bank agrees to guarantee;

(8) The purchase agreement or purchase intention agreement signed between the borrower and the car dealer;

(9) Willing to accept other conditions deemed necessary by the Ya'an City Commercial Bank.

Ya'an City Commercial Bank car loan processing process

Customer application → Sub-branch acceptance, investigation → Approved by the branch's authorized internal reviewer (sub-branch is authorized to report to the bank's loan approval committee for approval) → sign the contract, handle the relevant guarantee procedures → issue the loan → post-credit management → recover the loan according to the contract.

Ya'an City Commercial Bank car loan quota

The Ya'an City Commercial Bank Auto Mortgage Loan is based on natural persons and uses a loan to purchase vehicles to set up a mortgage. At the same time, a financing guarantee company that has signed a cooperation agreement with the Ya'an City Commercial Bank provides joint-liability guarantees for small car special loans.

Loan target: Natural persons who have settled in Ya'an City and have reached the age of 20 or above, and are under 60 years of age, and have complete civil capacity and fixed income or repayment ability.

Loan Term: The term of the loan is not one year, two years, or three years up to a maximum of five years. No application for extension.

Loan quota: The loan amount for each vehicle is less than 600,000 yuan (inclusive), and does not exceed 70% of the purchase price of the vehicle (inclusive).

Scope of application: 4 cars (including) or more, 12 cars (including) the following domestic, imported brand new cars, do not accept "second-hand car" loan applications.

Product features: Fast approval and efficient handling.

Ya'an City Commercial Bank Car Loan Rates

First, short-term loans

Within one year (including one year), adjust the pre-interest rate of 4.60% and the adjusted interest rate of 4.35%;

Second, long-term loans

For one to five years (including five years), adjust the pre-interest rate of 5.00%, adjusted interest rate 4.75%;

For more than five years, the pre-adjusted interest rate was 5.15% and the adjusted interest rate was 4.9%;

Third, individual housing provident fund loans

Within five years (including five years), the former adjusted interest rate was 2.75%, and the adjusted interest rate was 2.75%;

For more than five years, the pre-adjusted interest rate was 3.25% and the adjusted interest rate was 3.25%.

The actual interest rate is based on the actual situation.