The past two years become a vehicle replacement auto market hot. Some brands sell to consumers often shop sales consultants will hear this recommendation: "As long as you will own the replacement of old vehicles to our shop, and added that money can buy Zheliang new car." Relevant data, 2007 Beijing, 36 percent of consumers prepared to change or to buy second-hand cars.
With the rise of replacement business, various problems have begun to appear. Owners have reflected the second half of 2006, a 4 S stores held offers, the owners would like to change the hands of the Xiali, a new car, Jiang Jukai valuation to the shop. Beyond the car owners expected that the assessment of the division only out of the purchase price of 4,000 yuan. And afterwards, Jiang Jukai owners of old vehicles to a trading market is the price to 8,300 yuan turnover.
It is understood that the domestic mainstream brands 4 S stores, such as FAW-Volkswagen, FAW Toyota, Dongfeng Nissan, and so have launched a replacement business. But compared to a single car or selling cars, automotive replacement process should be more complicated, "a small amount of money spent Mailiang new car," the slogan of many owners it echocardiography, but not regular consumers if the sales of stores Replacement car, slightly Buliu Shen, vehicle replacement in the old process of a new, one of a Progressive, and they may fall into the trap on a Buliu Shen. For example, by lowering prices, subsidies cost more than expected, the marketing name of the "preferential car" - these people Fangbushengfang.
Insiders said that the current replacement in the course of the many issues on the one hand because the current flawed system of assessment of used cars, foreign used cars in evaluating agencies identified by a third party, but the acquisition of domestic cars is the main brand stores And the old market, which is due to the interests of one party, there will be lower in price, which many controlled by the intermediary agencies, the procedures may be inadequate. On the other hand, replacement of old vehicles in a number of shops in the operation of the lack of transparency, some people fish in troubled waters.
In fact, except for the operators to strengthen the norms, consumers decided to carry out replacement of old vehicles should also be studying the replacement of related knowledge, master certain skills, so as to avoid their hoodwinked. For example, replacement before understanding the acquisition market, understand the shop replacement for information, find knowledgeable friend to do the consultants, these can effectively avoid unscrupulous traders of deception. Because how to safeguard their own rights, the key is your own hands. To this end, we produced a "special planning 3 15" feature, the replacement of old vehicles to consumers revealed in the 13 issues, which trap 1 to 4 for old problems in the assessment process, five to 13 traps in the purchase of new In the course of cars.
1 Aug 2008
Car loan information for car buyers
First, car notes
At present, the automobile consumption credit business and can not be widely carried out. Sales of motor vehicles and general business compared to only apply to China's small number of reputable, but lack the purchasing power of the one-time payment, so it is necessary to the organizer (dealers, banks, insurance sector) and meticulous work well in the pre-publicity for Advisory, provide a "car notes."
The notes include: business overview, the purchaser should have the conditions and provide the necessary information, operational processes and attention to matters.
(Uses) for the consultation and publicity.
Automobile consumption credit car notes
× × from banks, × × enterprises, × × insurance company launched the latest model cars consumer credit, and to the people's life, processing simple and efficient, reasonable cost, we are all the trouble to resolve. Please put your car in the application prior to carefully read this <>.
(A) car:
Not less than prepaid customers cars ×% of the funds, the balance to the banks for a maximum of × in the special fund loans, loan guarantees provided by the dealer.
(B) loan by the purchaser with the conditions:
1. × with the city × × × urban areas accounts, fixed residence.
2.25 ~ 60 years of age between individuals.
3. Loans were authorized to provide the pledge, mortgage or third party guarantees.
4. To have a stable job, stable income, with arranging to pay the principal and interest of the ability of the car.
5. Willing to accept the loans were deemed necessary by other conditions.
(C) car loans should the information provided:
1. I ID 2. Account of the three. Driving documents 4. Shelter to live 5. 2 inch-sized photographs 6. Income, the Labour proved 7. Berth parking permits
Notes: 1. Information required by the original and three copies of
2. Co-purchaser and the guarantor should also provide information on people in the car of the 1,2,4,6
(4) operational procedures:
To the point at retail outlets consulting and advisory
Will pay the information provided by dealers of First Instance
Selected models, and distributors signed <>
The first payment will be deposited into the designated account, to submit to the bank (for automobile consumption loans)
By <>, directly to the banks arranging the return of principal and interest of loans
Procedures for vehicle dealers and home delivery vehicles
For insurance, mortgage registration, notarization, and other procedures
Bank accepted, approved and signed <>
(5) Other matters:
1. Vehicle insurance should be designated for the insurance company, the insurance is a necessary: Jusun Xian, third party liability insurance, emergency funding, excluding Mianpei insurance and hire-purchase credit insurance or guarantee insurance.
2. Notarized by the cost of buying and selling of mutual commitment to a half.
3. Purchase loans were still fixed, will pay a guarantee fee. Standard rates to its base loan amount, one-year 1 percent, 2 percent of 2002, the three-year 3 per cent.
4. Implemented through-train service, but for vehicles of all households who bear the cost by car, the user still needs to pay agent fees × yuan each. <> required for their users.
At present, the automobile consumption credit business and can not be widely carried out. Sales of motor vehicles and general business compared to only apply to China's small number of reputable, but lack the purchasing power of the one-time payment, so it is necessary to the organizer (dealers, banks, insurance sector) and meticulous work well in the pre-publicity for Advisory, provide a "car notes."
The notes include: business overview, the purchaser should have the conditions and provide the necessary information, operational processes and attention to matters.
(Uses) for the consultation and publicity.
Automobile consumption credit car notes
× × from banks, × × enterprises, × × insurance company launched the latest model cars consumer credit, and to the people's life, processing simple and efficient, reasonable cost, we are all the trouble to resolve. Please put your car in the application prior to carefully read this <
(A) car:
Not less than prepaid customers cars ×% of the funds, the balance to the banks for a maximum of × in the special fund loans, loan guarantees provided by the dealer.
(B) loan by the purchaser with the conditions:
1. × with the city × × × urban areas accounts, fixed residence.
2.25 ~ 60 years of age between individuals.
3. Loans were authorized to provide the pledge, mortgage or third party guarantees.
4. To have a stable job, stable income, with arranging to pay the principal and interest of the ability of the car.
5. Willing to accept the loans were deemed necessary by other conditions.
(C) car loans should the information provided:
1. I ID 2. Account of the three. Driving documents 4. Shelter to live 5. 2 inch-sized photographs 6. Income, the Labour proved 7. Berth parking permits
Notes: 1. Information required by the original and three copies of
2. Co-purchaser and the guarantor should also provide information on people in the car of the 1,2,4,6
(4) operational procedures:
To the point at retail outlets consulting and advisory
Will pay the information provided by dealers of First Instance
Selected models, and distributors signed <
The first payment will be deposited into the designated account, to submit to the bank (for automobile consumption loans)
By <
Procedures for vehicle dealers and home delivery vehicles
For insurance, mortgage registration, notarization, and other procedures
Bank accepted, approved and signed <
(5) Other matters:
1. Vehicle insurance should be designated for the insurance company, the insurance is a necessary: Jusun Xian, third party liability insurance, emergency funding, excluding Mianpei insurance and hire-purchase credit insurance or guarantee insurance.
2. Notarized by the cost of buying and selling of mutual commitment to a half.
3. Purchase loans were still fixed, will pay a guarantee fee. Standard rates to its base loan amount, one-year 1 percent, 2 percent of 2002, the three-year 3 per cent.
4. Implemented through-train service, but for vehicles of all households who bear the cost by car, the user still needs to pay agent fees × yuan each. <
Anti-car loans to buy insurance "from Bao"
Is the fiery game show inspired the desire of many people's car. Yesterday, IPR protection experts reminded the public: the election of vehicles crush Liangju is important, treated with caution car during the various details and procedures are also important. Especially in the face of numerous and some of the insurance coverage must-see period, should never "delinking security."
A few days ago, Mr. Shen encountered traffic accidents, the insurance company has been informed of their third party liability insurance has been the "delinking security." At home only after careful reading of the policy found that, in addition to third-party liability insurance security for one year, three other types of valid for a period of three years. The original purchase of a car, clearly has commissioned a dealer to buy a three-year insurance, why only a third party liability insurance only buy a year? » While angry, Mr. Shen require vehicle sales company bear part of settlement costs.
Of a complaint, the Municipal CPC Committee automotive professionals to do to proceed immediately to investigate. Distribution company explained that at that time in the car, the two sides make it clear orally year is the purchase of third party liability insurance, but also in real terms, Duotuishaobu. And in writing is stated in the purchase of "four and dangerous" (Jusun Xian, third party liability insurance, Daoqiang Xian, excluding Mianpei insurance), 2003 12,000 yuan (about) really count. Because it is car loans, can only be charged in accordance with the relevant provisions of the first year of the third party liability insurance costs.
Mr. Shen received after the policy had not carefully read and no time to purchase insurance, now have taken place in traffic accidents, only their own pay. In response, IPR protection experts said that the car before consumers should understand the relevant provisions can we effectively safeguard their rights. Dealer after-sales service work should be done in some of the insurance is about to expire, should be in writing or by telephone inform consumers, so that consumers would not be harmed after the "worse."
A few days ago, Mr. Shen encountered traffic accidents, the insurance company has been informed of their third party liability insurance has been the "delinking security." At home only after careful reading of the policy found that, in addition to third-party liability insurance security for one year, three other types of valid for a period of three years. The original purchase of a car, clearly has commissioned a dealer to buy a three-year insurance, why only a third party liability insurance only buy a year? » While angry, Mr. Shen require vehicle sales company bear part of settlement costs.
Of a complaint, the Municipal CPC Committee automotive professionals to do to proceed immediately to investigate. Distribution company explained that at that time in the car, the two sides make it clear orally year is the purchase of third party liability insurance, but also in real terms, Duotuishaobu. And in writing is stated in the purchase of "four and dangerous" (Jusun Xian, third party liability insurance, Daoqiang Xian, excluding Mianpei insurance), 2003 12,000 yuan (about) really count. Because it is car loans, can only be charged in accordance with the relevant provisions of the first year of the third party liability insurance costs.
Mr. Shen received after the policy had not carefully read and no time to purchase insurance, now have taken place in traffic accidents, only their own pay. In response, IPR protection experts said that the car before consumers should understand the relevant provisions can we effectively safeguard their rights. Dealer after-sales service work should be done in some of the insurance is about to expire, should be in writing or by telephone inform consumers, so that consumers would not be harmed after the "worse."
"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 .
"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 .
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.
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.
corporate automobile consumption loans
If you are entitled to by the department approved the registration of enterprises and legal persons, and our distributors in the purchase of a car, borrowers need to make an application to the China Construction Bank.
You have the right to the department approved as a registered corporate enterprises and institutions in China Construction Bank has identified and signed "cooperation agreements automobile consumption loans," the car dealer can buy a car when the Construction Bank to apply for legal automobile consumption loans.
You need to apply for loan guarantees with conditions to provide a guarantor or touch (of) the grantor items. Jointly and severally liable third-party guarantee (banks, insurance companies, except for the guarantee), the maximum borrowing limit for the purchase price 60 percent to construction machinery, housing and other ground in fixtures in accordance with the law or the state-owned land use rights as collateral, borrowing The maximum limit for the purchase price of 70 percent to be used as security for the Treasury, financial bonds, the state's key construction bonds, bank certificates of deposit issued by the pledge of regular (or banks, insurance companies, jointly and severally liable to provide the guarantee), the maximum borrowing limit for purchase 80% of car price.
CCB corporate automobile consumption loans was only the yuan currency. CCB corporate automobile consumption loans longest period not exceeding three years (including three years), if you purchase vehicles for rental operators, car rental, passenger and freight transport business purposes, the longest period of not more than two years (including 2 ).
For specific procedures:
1, the application. You are from our distributors decided to purchase the specified brand car, I will propose to the loan applications and to provide all relevant information.
2, signed a contract. China Construction Bank during the investigation and possible approval that, you and I will be signing loan contracts and guarantee contracts, and other legal documents. I think that line if not feasible, it will refund the application materials.
3, the implementation of security. And I signed a loan contract after the trip, you will need to implement third-party guarantee, mortgage, pledge, such as security and the security for the registration, notarization or collateral insurance, quality of deposit of banks and other procedures.
4, access to loans. You paid with a bank loan before the relevant formalities, the contract is in force, in accordance with the terms of the contract you can use unspent loans.
5, repayment. The contractual approach to repay their loans.
Corporate lending rates in accordance with the automobile consumption rate management of the People's Bank of the relevant provisions from your trip with me in consultation.
You have the right to the department approved as a registered corporate enterprises and institutions in China Construction Bank has identified and signed "cooperation agreements automobile consumption loans," the car dealer can buy a car when the Construction Bank to apply for legal automobile consumption loans.
You need to apply for loan guarantees with conditions to provide a guarantor or touch (of) the grantor items. Jointly and severally liable third-party guarantee (banks, insurance companies, except for the guarantee), the maximum borrowing limit for the purchase price 60 percent to construction machinery, housing and other ground in fixtures in accordance with the law or the state-owned land use rights as collateral, borrowing The maximum limit for the purchase price of 70 percent to be used as security for the Treasury, financial bonds, the state's key construction bonds, bank certificates of deposit issued by the pledge of regular (or banks, insurance companies, jointly and severally liable to provide the guarantee), the maximum borrowing limit for purchase 80% of car price.
CCB corporate automobile consumption loans was only the yuan currency. CCB corporate automobile consumption loans longest period not exceeding three years (including three years), if you purchase vehicles for rental operators, car rental, passenger and freight transport business purposes, the longest period of not more than two years (including 2 ).
For specific procedures:
1, the application. You are from our distributors decided to purchase the specified brand car, I will propose to the loan applications and to provide all relevant information.
2, signed a contract. China Construction Bank during the investigation and possible approval that, you and I will be signing loan contracts and guarantee contracts, and other legal documents. I think that line if not feasible, it will refund the application materials.
3, the implementation of security. And I signed a loan contract after the trip, you will need to implement third-party guarantee, mortgage, pledge, such as security and the security for the registration, notarization or collateral insurance, quality of deposit of banks and other procedures.
4, access to loans. You paid with a bank loan before the relevant formalities, the contract is in force, in accordance with the terms of the contract you can use unspent loans.
5, repayment. The contractual approach to repay their loans.
Corporate lending rates in accordance with the automobile consumption rate management of the People's Bank of the relevant provisions from your trip with me in consultation.
Agricultural Bank of China personal car loans
Product definition:
Personal car loans is authorized for a car loan business of the Agricultural Bank of agencies to individual borrowers of the purchase of a car (including second-hand cars) loan business, including the personal car loans and personal commercial vehicle loans.
Car is the borrower through the purchase of a car loan, non-profit for the purpose of the car. Since the car including cars, multi-purpose vehicles (MPV) and sports utility vehicles (SUV), and other vehicles.
Commercial Vehicles is the borrower through the purchase of a car loan, for profit purpose vehicles. Commercial vehicles including passenger cars, freight cars and bulldozers, excavators, mixers, pumps and other engineering vehicles, Tractor tractor, and other special vehicles.
From second-hand car is for End to the motor vehicle registration requirements scrapped period a year prior to the change in ownership transfer procedures and in accordance with the law for the car.
Automobile loans loan period should not exceed five years, including second-hand car loans loan period should not exceed three years.
Product features:
To meet the consumers buy a car because of the shortage of funds when financing needs.
Suitable for:
Individual customers and corporate customers.
The applicant must have the following basic requirements:
1. Have a valid proof of identity, a fixed address and has a detailed and complete civil capacity;
2. A stable or adequate legal income to repay the personal loan principal and interest of legitimate assets;
3. Good personal credit;
4. In loans to open a personal account, to pay the down payment requirements;
5. To provide loans to the recognition of an effective security;
Handling procedures:
(A) and automobile dealers signing cooperation
(B) loan process
Operational procedures for issuing loans: borrowers apply for loans → survey → review and approval → → signed loan contracts for insurance, security procedures for issuing loans → → loan repayment.
For locations:
All authorized and delegated authority can be made at the agency business.
Personal car loans is authorized for a car loan business of the Agricultural Bank of agencies to individual borrowers of the purchase of a car (including second-hand cars) loan business, including the personal car loans and personal commercial vehicle loans.
Car is the borrower through the purchase of a car loan, non-profit for the purpose of the car. Since the car including cars, multi-purpose vehicles (MPV) and sports utility vehicles (SUV), and other vehicles.
Commercial Vehicles is the borrower through the purchase of a car loan, for profit purpose vehicles. Commercial vehicles including passenger cars, freight cars and bulldozers, excavators, mixers, pumps and other engineering vehicles, Tractor tractor, and other special vehicles.
From second-hand car is for End to the motor vehicle registration requirements scrapped period a year prior to the change in ownership transfer procedures and in accordance with the law for the car.
Automobile loans loan period should not exceed five years, including second-hand car loans loan period should not exceed three years.
Product features:
To meet the consumers buy a car because of the shortage of funds when financing needs.
Suitable for:
Individual customers and corporate customers.
The applicant must have the following basic requirements:
1. Have a valid proof of identity, a fixed address and has a detailed and complete civil capacity;
2. A stable or adequate legal income to repay the personal loan principal and interest of legitimate assets;
3. Good personal credit;
4. In loans to open a personal account, to pay the down payment requirements;
5. To provide loans to the recognition of an effective security;
Handling procedures:
(A) and automobile dealers signing cooperation
(B) loan process
Operational procedures for issuing loans: borrowers apply for loans → survey → review and approval → → signed loan contracts for insurance, security procedures for issuing loans → → loan repayment.
For locations:
All authorized and delegated authority can be made at the agency business.
Rural Credit Cooperatives of automobile consumption loans
Refers to the signing of the credit cooperatives in the purchase of a car dealer's natural release of the loan. Special loans for the purchase of credit confirmed by the designated dealer sales of domestic brands of cars, at the same time, automobile consumption loans for the credit cooperatives, should be signed cooperation agreements with insurance companies, requested the insurance companies to contract for vehicle insurance, compliance Insurance, the insurance company to provide security. Installment loans to the return of the way, the calculation method of repayment and a matching reduction of repayment, the following formula:
A) matching the repayment of:
= Interest on loans receivable from the end of last month interest rates on loans ×
= Principal amount of monthly loan receivable equal monthly repayment amount - interest on loans receivable
B) decreasing the repayment of:
= Monthly repayment of principal loan principal / months
Interest payments this month = (principal - the accumulated principal repayment) × on interest rates
Choose one of the borrowers can repay, Action and Social Council shall not be restricted.
(1) for automobile consumption loans and conditions of the target
Automobile consumption loans is the object of the full civil capacity of natural persons, and at the same time the following conditions:
(A) local resident accounts or valid proof of identity to stay, have a fixed residence;
(B) have legitimate jobs and stable source of revenue, with arranging the ability to repay the loan principal and interest;
(C) the borrower shall not be less than the provisions of the first car payment into credit cooperatives;
(D) the insurance company agreed to amortize the purchase of insurance, provide a guarantee of a written commitment;
(E) credit cooperatives under other conditions.
(2) the borrower should provide the information
(A) individuals and their spouses (total assets) identity card, residence booklet or other valid identity documents and copies of the original;
(B) credit issued by recognized authorities borrowers vocational and economic proof of income;
(C) and credit cooperatives in the designated car dealers signed the agreement or contract;
(D) down payments of credit deposit certificate;
(E) charged by the credit cooperatives power of attorney;
(F) credit cooperatives need the additional information.
A) matching the repayment of:
= Interest on loans receivable from the end of last month interest rates on loans ×
= Principal amount of monthly loan receivable equal monthly repayment amount - interest on loans receivable
B) decreasing the repayment of:
= Monthly repayment of principal loan principal / months
Interest payments this month = (principal - the accumulated principal repayment) × on interest rates
Choose one of the borrowers can repay, Action and Social Council shall not be restricted.
(1) for automobile consumption loans and conditions of the target
Automobile consumption loans is the object of the full civil capacity of natural persons, and at the same time the following conditions:
(A) local resident accounts or valid proof of identity to stay, have a fixed residence;
(B) have legitimate jobs and stable source of revenue, with arranging the ability to repay the loan principal and interest;
(C) the borrower shall not be less than the provisions of the first car payment into credit cooperatives;
(D) the insurance company agreed to amortize the purchase of insurance, provide a guarantee of a written commitment;
(E) credit cooperatives under other conditions.
(2) the borrower should provide the information
(A) individuals and their spouses (total assets) identity card, residence booklet or other valid identity documents and copies of the original;
(B) credit issued by recognized authorities borrowers vocational and economic proof of income;
(C) and credit cooperatives in the designated car dealers signed the agreement or contract;
(D) down payments of credit deposit certificate;
(E) charged by the credit cooperatives power of attorney;
(F) credit cooperatives need the additional information.
Urban credit cooperatives individual car consumption loans
Personal automobile consumption loans to banks in contributing to the purchase of a car dealer for the borrower of the renminbi loans, a simple and efficient processing and guarantee diversity, high loan amount.
1), the applicant conditions
In China have a fixed residence, a local resident accounts or valid residence status, with full civil capacity and meet the following conditions are Chinese citizens can apply for individual car consumption loans.
1. Legitimate jobs and stable source of revenue, with arranging the ability to repay the loan principal and interest;
2. Abide by the law, no violations and bad credit records;
3. Banks authorized to provide an effective right of pledge or collateral or with the compensatory ability of third-party guarantee;
4. Apply for loans during the period of not less than urban credit cooperatives under the first car payment into urban credit cooperatives;
5. Urban credit cooperatives to open a personal account settlement and agreed to their designated bank account deduction or personal clearing the principal and interest of loans;
6. Urban credit cooperatives to accept the requirements of other conditions.
2), the amount of loans
To form a security pledge, or banks, insurance companies, jointly and severally liable to provide the guarantee, the maximum loan, the car can reach 70 percent;
To purchase a vehicle or other property collateral, or to third parties (banks, insurance companies, except) guarantee the security of the way, the loan ceiling of the car can reach 60 percent.
C), the loan period
Automobile consumption loans is generally 1-3 years, the longest of not more than five years (inclusive).
4), the lending rate
Automobile consumption loans in accordance with the provisions of the People's Bank of China floating interest rate loans over the same period calculated. 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.
5) and the process
1. Borrower to the bank to submit the following information:
(1) loan approval sheet;
(2) valid identity papers and my copy;
(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) an effective manner and Telephone;
(7) provisions to provide no less than the proportion 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 urban credit cooperatives issued by the savings deposits (%), bonds, a division of financial bonds, inter-bank signed a security agreement pledging stopped the local commercial banks The issue of 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 loan commitments for the purchase of this agency during the full recognition of vehicle insurance and insurance for the first beneficiaries of loans and Social Council;
(10) in the urban credit cooperatives to open clearing accounts of personal documents;
(11) urban credit cooperatives provided other information.
2. Banks to borrowers to submit information for review after the passage of the two sides signed loan contracts, and contracts for security-related notary, mortgage registration procedures.
3. Automobile loans from the bank to transfer directly assigned to the accounts of automobile dealers.
1), the applicant conditions
In China have a fixed residence, a local resident accounts or valid residence status, with full civil capacity and meet the following conditions are Chinese citizens can apply for individual car consumption loans.
1. Legitimate jobs and stable source of revenue, with arranging the ability to repay the loan principal and interest;
2. Abide by the law, no violations and bad credit records;
3. Banks authorized to provide an effective right of pledge or collateral or with the compensatory ability of third-party guarantee;
4. Apply for loans during the period of not less than urban credit cooperatives under the first car payment into urban credit cooperatives;
5. Urban credit cooperatives to open a personal account settlement and agreed to their designated bank account deduction or personal clearing the principal and interest of loans;
6. Urban credit cooperatives to accept the requirements of other conditions.
2), the amount of loans
To form a security pledge, or banks, insurance companies, jointly and severally liable to provide the guarantee, the maximum loan, the car can reach 70 percent;
To purchase a vehicle or other property collateral, or to third parties (banks, insurance companies, except) guarantee the security of the way, the loan ceiling of the car can reach 60 percent.
C), the loan period
Automobile consumption loans is generally 1-3 years, the longest of not more than five years (inclusive).
4), the lending rate
Automobile consumption loans in accordance with the provisions of the People's Bank of China floating interest rate loans over the same period calculated. 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.
5) and the process
1. Borrower to the bank to submit the following information:
(1) loan approval sheet;
(2) valid identity papers and my copy;
(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) an effective manner and Telephone;
(7) provisions to provide no less than the proportion 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 urban credit cooperatives issued by the savings deposits (%), bonds, a division of financial bonds, inter-bank signed a security agreement pledging stopped the local commercial banks The issue of 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 loan commitments for the purchase of this agency during the full recognition of vehicle insurance and insurance for the first beneficiaries of loans and Social Council;
(10) in the urban credit cooperatives to open clearing accounts of personal documents;
(11) urban credit cooperatives provided other information.
2. Banks to borrowers to submit information for review after the passage of the two sides signed loan contracts, and contracts for security-related notary, mortgage registration procedures.
3. Automobile loans from the bank to transfer directly assigned to the accounts of automobile dealers.
Urban credit cooperatives corporate customers automobile consumption loans
Urban credit cooperatives corporate automobile consumption loans mainly to the approval of relevant departments of the registered corporate enterprises and institutions to provide credit funds to meet their demand for car financing
1. Eligibility criteria
1) in the local administration for industry and commerce registration, a legal personality, taxi companies or car rental companies should be operating permit;
2) In urban credit cooperatives to open accounts, there are a certain proportion of down payments;
3) sources of revenue stability, good credit, to repay the loan principal and interest on time;
4) to provide loans were approved property mortgage, pledge or third-party guarantee;
5) loans were provided for other conditions.
2. Application data
1) corporate business license or the cause of corporate licenses, permits legal code, legal representative of documents;
2) loan certificate (card);
3) the previous year's financial report and an updated financial statements;
4) not lower than the initial payment of urban credit cooperatives deposit certificate;
5) collateral or quality of the list, ownership and the power to dispose of that person (including a total of property) agree that the mortgage or pledge that departments have the right to produce proof of collateral valuation;
6) agreed to guarantee the security of the written documents, credit documentation;
7) other information.
3. Borrower to apply for automobile consumption loans must provide effective security. Of which:
1) to purchase cars for collateral, the value of the vehicle to a full security;
2) the insurance companies to provide guarantees from the borrowers to ensure that the insurance company insuring insurance. Specific requirements are:
a. borrowers, as required collateral for insurance, mortgages during the period, the insured shall not be interrupted;
b. the amount of insurance to apply for a mortgage loan of full price as the value of the insured, at least for loans of longer than six months;
c. loans are insurance policies specified by the insured, the insurance payment to the first, the right to request full;
d. loans repaid principal and interest before the insurance policy from the original lender custody;
e. to the purchase of vehicles for the mortgage, the borrower should be insured motor vehicle insurance, third party liability insurance and additional Daoqiang Xian.
4. Line of credit
The maximum amount of automobile consumption loans of not more than 80 percent of the car. Of which:
1) the loan's approval of the Treasury bills, financial bonds, the state's key construction bonds, urban credit cooperatives regular certificates of deposit issued by the pledge (or banks, insurance companies, jointly and severally liable to provide the guarantee), deposited in the first phase of the urban credit cooperatives shall not be less 20 percent, the maximum borrowing limit for the purchase price of 80%.
2) to purchase a vehicle or other property collateral for loans, loan ceiling of not more than 70 percent of the car;
3) to ensure that third-party applications for loans (banks, insurance companies, except) and the ceiling of not more than 60 percent of the car.
5. Deadline
The corporate clients of automobile consumption loans for the duration of the general 1-3 years. In principle for more than two years (including 2).
6, interest rates
According to the People's Bank of urban credit cooperatives and the related regulations.
Loan Process
1), for
Customers and our distributors decided to buy the car after the specified brand, to apply for bank loans, and banks to provide all relevant information.
2), signed a contract
Urban credit cooperatives during the investigation and possible approval after that, customers will be signed loan contracts with banks and guarantee contracts and other legal documents. Such as banks that not feasible, enterprise application materials will be returned.
3), the implementation of security
Signed loan contracts with banks, customers need to implement third-party guarantee, mortgage, pledge, such as security and the security for the registration, notarization or collateral insurance, quality of deposit of banks and other procedures.
4), access to loans
Bank loans with a customer before the relevant formalities, the contract shall enter into force. Banks to grant loans to borrowers, borrowers in accordance with the terms of the contract customers can use unspent loans.
5), repayment
In accordance with the actual period of the loan is about to expire, the borrower should pay attention to customers in time to raise capital, the return on time and bank borrowings.
1. Eligibility criteria
1) in the local administration for industry and commerce registration, a legal personality, taxi companies or car rental companies should be operating permit;
2) In urban credit cooperatives to open accounts, there are a certain proportion of down payments;
3) sources of revenue stability, good credit, to repay the loan principal and interest on time;
4) to provide loans were approved property mortgage, pledge or third-party guarantee;
5) loans were provided for other conditions.
2. Application data
1) corporate business license or the cause of corporate licenses, permits legal code, legal representative of documents;
2) loan certificate (card);
3) the previous year's financial report and an updated financial statements;
4) not lower than the initial payment of urban credit cooperatives deposit certificate;
5) collateral or quality of the list, ownership and the power to dispose of that person (including a total of property) agree that the mortgage or pledge that departments have the right to produce proof of collateral valuation;
6) agreed to guarantee the security of the written documents, credit documentation;
7) other information.
3. Borrower to apply for automobile consumption loans must provide effective security. Of which:
1) to purchase cars for collateral, the value of the vehicle to a full security;
2) the insurance companies to provide guarantees from the borrowers to ensure that the insurance company insuring insurance. Specific requirements are:
a. borrowers, as required collateral for insurance, mortgages during the period, the insured shall not be interrupted;
b. the amount of insurance to apply for a mortgage loan of full price as the value of the insured, at least for loans of longer than six months;
c. loans are insurance policies specified by the insured, the insurance payment to the first, the right to request full;
d. loans repaid principal and interest before the insurance policy from the original lender custody;
e. to the purchase of vehicles for the mortgage, the borrower should be insured motor vehicle insurance, third party liability insurance and additional Daoqiang Xian.
4. Line of credit
The maximum amount of automobile consumption loans of not more than 80 percent of the car. Of which:
1) the loan's approval of the Treasury bills, financial bonds, the state's key construction bonds, urban credit cooperatives regular certificates of deposit issued by the pledge (or banks, insurance companies, jointly and severally liable to provide the guarantee), deposited in the first phase of the urban credit cooperatives shall not be less 20 percent, the maximum borrowing limit for the purchase price of 80%.
2) to purchase a vehicle or other property collateral for loans, loan ceiling of not more than 70 percent of the car;
3) to ensure that third-party applications for loans (banks, insurance companies, except) and the ceiling of not more than 60 percent of the car.
5. Deadline
The corporate clients of automobile consumption loans for the duration of the general 1-3 years. In principle for more than two years (including 2).
6, interest rates
According to the People's Bank of urban credit cooperatives and the related regulations.
Loan Process
1), for
Customers and our distributors decided to buy the car after the specified brand, to apply for bank loans, and banks to provide all relevant information.
2), signed a contract
Urban credit cooperatives during the investigation and possible approval after that, customers will be signed loan contracts with banks and guarantee contracts and other legal documents. Such as banks that not feasible, enterprise application materials will be returned.
3), the implementation of security
Signed loan contracts with banks, customers need to implement third-party guarantee, mortgage, pledge, such as security and the security for the registration, notarization or collateral insurance, quality of deposit of banks and other procedures.
4), access to loans
Bank loans with a customer before the relevant formalities, the contract shall enter into force. Banks to grant loans to borrowers, borrowers in accordance with the terms of the contract customers can use unspent loans.
5), repayment
In accordance with the actual period of the loan is about to expire, the borrower should pay attention to customers in time to raise capital, the return on time and bank borrowings.
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