To apply for auto consumption loan, if the borrower is a legal person, it is required to provide business license, organization code, tax registration certificate, etc. In addition to ID card, household registration book, income statement and asset certificate, the legal person must be himself.
According to the Measures for the Administration of Automobile Loans: Chapter IV Institutional Automobile Loans
Article 18 The term "institutional automobile loan" as mentioned in these Measures refers to the loan granted by the lender to legal persons other than dealers and other economic organizations (hereinafter referred to as institutional borrowers) for the purchase of automobiles.
Article 19 A borrower applying for an institutional auto loan must meet the following conditions:
(1) Legal documents proving the borrower's subject qualification, such as business license of enterprise legal person or certificate of institution legal person, business license of branch legal person and business license of individual industrial and commercial households.
(2) It has legal and stable income or legal assets sufficient to repay the loan principal and interest.
Extended data:
To apply for a car loan, you must buy a limited range of cars at a special dealer recognized by the bank and apply for a car loan.
The loan to buy a car must also meet the following conditions:
(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.
(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.
(3) During the loan application period, the car buyer shall deposit no less than the down payment stipulated by the bank in the account of the bank savings counter.
(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.
(5) Car buyers are willing to accept other conditions deemed necessary by the bank.
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