Personal car loans

Basic requirements



1. Loans: the age of 18 years of age (inclusive) to 60 years of age (inclusive), with full civil capacity of natural persons.



2. Line of credit: the purchase of vehicles for the car, the loan amount does not exceed the purchase price of the car 80 percent of the purchase of vehicles for commercial vehicles, no more than the amount of loans purchased 70 percent of car prices, including commercial trucks Loan amount shall not exceed the purchase price of the car 60 percent by the purchase of vehicles for used cars, loan amount shall not exceed the borrower purchased 50 percent of car prices, and the line of credit to no more than 20 million;



3. Loans deadline: If the purchase of vehicles for car loans for no more than five years by the purchase of vehicles for commercial vehicles or used cars, loan period not exceeding three years;



4. Lending rates: in accordance with the bank's lending rate regulations;



5. Guarantee: for personal car loans, the borrower must provide a certain security measures, including the pledge for a loan secured by the purchase of vehicles, real estate mortgage, third-party assurance. Vehicle can be taken out personal loans guaranteed way to ensure compliance.



6. Need to provide for material:



(1) "personal loan applications";



(2) effective personal identity documents. Including the identity card, residence booklet, Jun Guanzheng, passports, Hong Kong, Macao and Taiwan compatriots permits, and other exchanges. Borrowers married spouses to provide proof of identity;



(3) permanent household registration certificate or proof of residence;



(4) personal income proof, if necessary, to provide proof of household income or property;



(5) from automobile dealers prove intent issued by the purchaser;



(6) purchase the first phase of proof of payment;



(7) to purchase vehicles outside the form of collateral security, the provision of security related materials, including the right to pledge certificate, mortgage real estate ownership and assessment proved that the third-party guarantee letters of intent;



(8) If the borrower purchase of vehicles for commercial vehicles, purchase of vehicles needed to provide the operator can be used for legitimate proof, such as vehicle fleet anchored in calling the agreement, the lease agreement;



(9) borrowings by the purchase of vehicles for used cars, car purchase intentions need to provide proof, the Construction Bank accepted assessment issued by the agency vehicle assessment report; vehicle seller's vehicle certificates of title, the trading vehicle "motor vehicle registration," Vehicle inspection certificate, etc..



Channels and processes for handling



1. Channels for: China Construction Bank for personal car loans business offices for personal auto loan business, in some large and medium-sized cities, the establishment of the Construction Bank of professional automotive financial services centre for personal car loans, personal loans centre is the car loans Accepted professional bodies.



2. Process for:



① borrowers to submit application materials;



② Action line on the borrower's application materials in the first instance, the borrower and a credit investigation, evaluation;



③ through the preliminary investigation and credit, loan conditions with the loan application for approval;



④ through approval, notify the borrower for the contract, lenders, mortgage or pledge, and other related procedures; did not pass the examination and approval, to a borrower;



⑤ loan contracts entered into force the rear, handling bank loans. Take special loans, loan contracts under the agreement, the loan would be directly transferred to the borrower car dealer accounts.



I line the edge products



1. Individual housing loans and use a combination of: 1) the individual customer requirements in the line of credit in order to purchase houses as collateral, at the same time for individual housing loans and personal car loans. 2) I will present the individual housing loan customers, has continued for a certain period of repayment, to repay a certain amount of loan repayment and in good condition, can priority of the individual car loans.



2. Longka car and use a combination of cards: In my personal trip for a car loan customers, because their vehicles more consumption expenditures, to recommend priorities for Longka car card, customers can enjoy the card holders More concessions in auto consumption, but also as an ordinary credit card use.