How to handle the automobile consumption loan of Jining Bank? The process is as follows!

Jining Bank is a city commercial bank. If local citizens have loan needs, they can try to go to Jining Bank for business. There are many people who want to buy a car now. If you can't pay the full amount in one lump sum, you can consider applying for a car loan from the bank. Let's introduce the relevant content today, and those who have plans to buy a car can have a look.

First, Jining Bank automobile consumption loan application conditions

1. He is a citizen of People's Republic of China (PRC) and must be at least 18 years old. In principle, his age plus the loan period shall not exceed 60 years old.

2. Provide valid identification. If you are married, you need to prepare a marriage certificate. In addition, you have a fixed detailed address in Shandong Province and have full capacity for civil conduct.

3. Personal legal assets are sufficient to repay the loan principal and interest.

4. Require good personal credit, no overdue or default records, and control the debt ratio below 50%.

5. Be able to pay the specified down payment.

6. The form of guarantee recognized by the bank.

7. Other conditions required by the bank.

Second, how to handle the car consumption loan?

The borrower needs to open a personal settlement account in the business institution of Jining Bank.

Please fill in the loan application form as required, and submit the application form and the required information as required by the bank.

The bank will investigate the borrower's credit status and conduct loan review and approval as required.

After the approval, the bank will notify the borrower of the approval result and sign a loan contract with the borrower.

Go through the formalities of insurance and mortgage registration.

The bank issues loans and the borrower uses the loans according to the contract.