"Happiness Express" personal automobile consumption loans

☆ Education

"Happiness Express" personal automobile consumption loans was the bank to buy a car for the borrower issuing RMB loans, a simple and efficient processing and guarantee diversity, high loan amount. "Happiness Express" loans to help you achieve dream car, and comprehensively improve the quality of life.

☆ Features

ICBC is "straight off" and "inter-off" model of two loans to choose from:

1, Inter-off: the borrower to the ICBC special car dealers to buy cars, information on loan applications submitted by the automobile dealers to the ICBC raised loan applications. Bank Lending Survey approving the agreement, signed loan contracts, guarantee contracts, and legalization, and insurance procedures.

2, straight-off: the borrower submitted directly to the bank for information on car loans, the banks agreed to approval by the lending investigation after the signing of loan contracts, guarantee contracts. The borrower and then to the ICBC special car dealers to buy cars. Automobile loans from the bank to transfer directly assigned to the accounts of automobile dealers.

☆ conditions for application

1, in China have a fixed residence, a local resident accounts or valid proof of residence, with full civil capacity of Chinese citizens;

2, the proper employment and stable source of revenue, with arranging the ability to repay the loan principal and interest;

3, abide by the law, no violations and bad credit records;

4, banks can provide the effective recognition of the rights or pledge collateral or with the compensatory ability of third-party guarantee;

5, if the "inter-off" loans, and our distributors need to hold the signing of the purchase agreement or purchase contract;

6, the Industrial and Commercial Bank of China to open a personal account settlement and agreed to their designated bank account deduction or personal clearing the principal and interest of loans;

7, the bank provided for other conditions.

☆ loan amount

1, to form a security pledge, or banks, insurance companies, jointly and severally liable to provide the guarantee, the maximum loan, the car can reach 80 percent;

2, to purchase vehicles or other property collateral, the maximum loan, the car can reach 70 percent;

3, to third parties (banks, insurance companies, except) guarantee the security of the way, the loan ceiling of the car can reach 60 percent.

☆ loan period

Automobile consumption loans is generally three years, the longest of not more than five years (inclusive).

☆ lending rate

People's Bank of automobile consumption loans in accordance with the provisions of the earlier loan rates. During the loans in case of interest rate adjustments, the loan period of one year (with) the following, according to the contract rates; loans during the more than one year, the implementation of sub-paragraph, in the beginning of next year, according to the implementation of the corresponding interest rate level The new rate.

☆ loan applications should be submitted to the information

Borrowers to banks for individual car consumption loans, need to submit the following information:

1, approving loan applications forms;

2, I valid identity documents and copies;

3, the spouse of an effective identity documents and copies of the original mortgage and agreed to a written proof;

4, living proof of address (residence booklet, or nearly three months of rent, water, electricity, gas and so on the receipt);

5, occupation and proof of income (originals and copies of documents; behalf of the bank passbooks of wages, etc.);

6, effective contact and contact telephone;

7, providing no less than the provisions of the first proof of payment;

8, loan guarantees that information;

Loan guarantees may be right to pledge collateral, third-party guarantee or collateral.

The pledge by way of security, including the pledge of the borrower or a third person from the Industrial and Commercial Bank certificates of deposit issued by the savings (%), bonds, a division of financial bonds, inter-bank signed a security agreement pledging stopped the local commercial banks to issue The savings deposits (%);

The use of real estate collateral, the real estate collateral for the borrower or his immediate family name of freedom of property rights and no other pledge to do the housing and property insurance for full.

By way of third-party guarantee, should provide a written security guarantee agreement document, the guarantor of identity papers and the original copy of the credit proof materials.

9, in the ICBC to open clearing accounts of personal documents;

10, the bank provides other information.

☆ operational guidelines

1, customer applications. Bank customers to make an application, fill out the application form in writing, submit the relevant information;

2, signed a contract. Bank of borrowers to submit information for review after the passage of the two sides signed loan contracts, guarantee contracts, as the case for the relevant notarization, and mortgage registration procedures;

3, issue loans. The bank agreed to release the loan approval, after all the formalities completed, the banks agreed to transfer under the contract directly assigned to the accounts of automobile dealers;

4, the repayment schedule. Borrowers by borrowing contractual payment plan, repayment of outstanding loans means the principal and interest;

5, to settle loans. Loan settlement, including settlement and early settlement of the normal two. ① normal settlement: the maturity of the loan (one-time debt service) or a final loan (amortization) settlement of loans; ② early settlement: the loan due date, the borrower in advance if some or all of Settlement of loans, the borrower according to the contract, to apply in advance to the bank, the bank's approval to the designated counters accounting for repayment.

When closing the loan, the borrower should have valid identity papers and my bank certificate issued by the settlement of loans from banks back to the legal custody of the certificate and related documents, and holders of loan collateral to settle the original registration certificate to the department for cancellation of registration procedures for mortgage .