Ya'an City Commercial Bank loan application materials
(1) Car Mortgage Application Form;
(2) proof of marriage;
(3) the original applicant's (and spouse) valid identity card, resident residence card and a copy of the original;
(4) proof of residence (real estate license or purchase agreement or recent water, electricity, liquefied petroleum gas and other payment documents);
(5) Borrower (and spouse) Occupation and income certificate (work permit or license or unit on behalf of the wages or personal income tax or personal income certificate or other valid proof);
(6) Ya'an City Commercial Bank to open a personal settlement account, not less than the provisions of the bank down payment and the first payment of funds;
(7) to provide Ya'an City Commercial Bank approved the guarantee company agreed to guarantee the "business contact book";
(8) the borrower and car dealer signed a car contract or car intention agreement;
(9) is willing to accept the Ya'an City Commercial Bank that necessary other conditions.
Ya'an City Commercial Bank car loan processing process
Customer application → sub-branch acceptance, investigation → branch authorized to examine and approve the approval (approval of the branch to report to the head office loan examination committee approval) → signed a contract to handle the relevant security procedures → loan → loan management → contract to recover the loan.
Ya'an City Commercial Bank credit line
Ya'an City Commercial Bank car mortgage is a natural person as the main body, to purchase loans to mortgage collateral, and by the Ya'an City Commercial Bank signed a cooperation agreement financing guarantee company to provide joint responsibility to ensure that small cars special loans.
Loan Target: A natural person who has 20 years of age (inclusive) or sixty years of age who has settled in Ya'an City with full fixed capacity or repayment ability.
Loan period: the loan period is not a year, two years, three years up to no more than five years. Do not accept the extension application.
Loan amount: the amount of each car in the amount of 600,000 yuan (inclusive), not more than 70% of the purchase price of vehicles (including).
Scope: four (inclusive) above, twelve (including) the following domestic, import new cars, do not accept "second-hand car" loan applications.
Features: approval fast, for efficient.
Ya'an City Commercial Bank car loan interest rate
First, short-term loans
Within one year (including one year), adjusted interest rate 4.60%, adjusted interest rate 4.35%;
Second, medium and long term loans
One to five years (including five years), adjusted before the interest rate 5.00%, adjusted interest rate 4.75%;
More than five years, adjusted before the interest rate of 5.15%, adjusted interest rate 4.90%;
Third, individual housing provident fund loans
Five years (including five years), adjusted before the interest rate 2.75%, adjusted interest rate 2.75%;
More than five years, adjusted before the interest rate 3.25%, adjusted interest rate 3.25%.
The actual interest rate is subject to the actual situation.