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Melt 360>Financial Encyclopedia> Loan Encyclopedia> Ya'an City Commercial Bank car loan
Ya'an City Commercial Bank car loan

Ya'an City Commercial Bank is the first local commercial bank in Ya'an City. The car mortgage is a natural person as the main body to purchase loans to set the mortgage, and by the Ya'an City Commercial Bank signed a cooperation agreement financing guarantee company to provide joint and several guarantees of small cars special loans. Approval process is fast, for efficient, reasonable interest rates.

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.