Personal advice:
Jiujiang bank car loan is a loan issued by the bank to natural persons for buying or operating cars, which must be used for special purposes. If you want to do something else through car loan, the law is not allowed. Generally speaking, the loan application is also very simple. It can be completed within 5 working days from accepting the application to issuing the loan, and the monthly repayment method is also reflected in the contract. Generally, you need to return the car in equal increments every month. The maximum loan amount for car owners is 70% of the car purchase amount, and the maximum loan amount for car owners who purchase commercial vehicles is 60% of the car purchase amount. For the loan period, it generally does not exceed three years. If you want to borrow money, you can also bring relevant documents to local outlets for business consultation.
Extended data:
I. Application materials
1. The original and photocopy of the ID card and household registration book of the borrower and spouse, and the marriage certificate of the married person (marriage certificate is not required for both husband and wife in the same household registration book).
2. My professional income certificate and the original income certificate of the same borrower.
3. The original and photocopy of the house ownership certificate and the land use right certificate.
4. Original and photocopy of deed tax certificate or purchase invoice paid by the house.
5. Proof of loan use
6. Other information required by Jiujiang Bank.
Second, the loan conditions
1. It has a stable occupation or income source, a good reputation and the ability to repay the principal and interest of the loan on schedule.
2. There is a property recognized by Jiujiang Bank as collateral.
3. Other conditions required by Jiujiang Bank.
Third, product features:
1. Balance control and recovery. After each loan repayment, it can continue to be recycled until it reaches the highest balance or expires.
2. Pay back as you borrow, and use it flexibly: customers can go to the branch at any time.
3. Maximize interest saving: customers don't calculate interest when obtaining the line, but only calculate interest according to the actual number of days when actually using the money, so as to minimize the cost of using the money for customers.
4. The mortgage can be set at one time for 1- 10 years, and there is no need to go through the mortgage formalities after the deadline.
5, low cost, no need for evaluation, insurance and notarization, saving costs.