Ya'an City Commercial Bank Car Loan Application Information
(1) Auto mortgage loan application form;
(2) Marriage certificate documents;
(3) The original valid ID card of the borrower (and spouse), the original and a copy of the resident household registration certificate;
(4) Certificate of residence (real estate certificate or purchase agreement or recent payment of water, electricity, liquefied gas, etc.);
(5) Proof of occupation and income of the borrower (and spouse) (work permit or practice certificate or unit payroll passbook or personal income tax payment certificate or other valid certificate);
(6) Ya'an City Commercial Bank shall open a personal settlement account and deposit no less than the bank's down payment and the first repayment fund;
(7) Providing the Business Contact Book approved by the guarantee company approved by the Ya'an City Commercial Bank;
(8) The purchase contract or purchase intention agreement signed by the borrower and the car dealer;
(9) Willing to accept other conditions deemed necessary by Ya'an City Commercial Bank.
Ya'an City Commercial Bank Car Loan Processing Process
Client application → branch acceptance, investigation → branch authority authorized to approve the approval (sub-branch authorization to report to the head office loan review committee approval) → sign the contract, handle the relevant guarantee procedures → issue loans → post-loan management → recover the loan according to the contract.
Ya'an City Commercial Bank car loan quota
The auto mortgage loan of Ya'an City Commercial Bank is based on natural persons, and the mortgage is purchased by the vehicle purchased by the loan. At the same time, the financing guarantee company that has signed a cooperation agreement with the commercial bank of Ya'an City provides a special loan for the small car with joint liability guarantee.
Loans: Natural persons who have settled in Ya'an City at least 20 years of age (inclusive) and under 60 years of age and have full civil capacity and fixed income or repayment ability.
Term of the loan: The loan period is less than one year, two years, and three years, and the maximum is no more than five years. Application for extension is not accepted.
Loan quota: The loan amount per vehicle is within 600,000 yuan (inclusive), which does not exceed 70% (including) of the purchased vehicle price.
Scope of application: Four or more (including), 12 or less domestic and imported brand new cars, do not accept "second-hand car" loan applications.
Product features: fast approval, efficient handling.
Ya'an City Commercial Bank car loan interest rate
First, short-term loans
Within one year (including one year), the pre-adjusted interest rate is 4.60%, and the adjusted interest rate is 4.35%;
Second, medium and long-term loans
One to five years (including five years), the pre-adjustment rate is 5.00%, and the adjusted interest rate is 4.75%;
For more than five years, the pre-adjustment rate is 5.15%, and the adjusted interest rate is 4.90%;
Third, personal housing provident fund loans
For five years or less (including five years), the pre-adjustment rate is 2.75%, and the adjusted interest rate is 2.75%;
For more than five years, the pre-adjustment rate was 3.25%, and the adjusted interest rate was 3.25%.
The actual interest rate shall be subject to the actual situation.