1. The applicant is a citizen of People's Republic of China (PRC), or a resident of Hong Kong, Macao and Taiwan and a foreigner who has lived in People's Republic of China (PRC) continuously for 1 year or more (inclusive).
2. Have valid identification, fixed detailed address and full capacity for civil conduct.
3. Personal legal assets with stable legal income or sufficient to repay the loan principal and interest.
4. Personal credit is good.
5. Being able to pay the down payment stipulated in these Measures.
6. Other conditions required by the lender.
7. At least 25-55 years old, have a stable work unit and have worked continuously in the current unit for 6 months.
Information to be prepared by Bank of China for loan to buy a car:
1, copy of the second-generation ID card and the front and back of the ID card.
2. Work certificate issued by the unit in the last month, which proves that the applicant has worked continuously in the current unit for not less than 6 months.
3. Any documents of the borrower's current residence in the last 60 days.
4. Proof of using bank salaries and loans in my name in the past 6 months.
5. Car purchase contract (seller's driving license must be provided at the same time for used cars), real estate license of renovation contract and renovated real estate, certificate of studying abroad, business sales contract, bank debit card and their copies.
Extended data:
Matters needing attention in loan car purchase:
1. Interest-free car loan ≠ Free of handling fee: In order to attract customers, dealers have introduced interest-free car loans. The actual discount may not be as affordable as expected, because they will charge a certain handling fee while being interest-free, which may be similar to interest. When buying a car, you need to carefully screen it according to the actual situation.
2. Need to buy auto insurance: Since the owner of the car is not an individual consumer before the loan is settled, in order to reduce the risk, the dealer will put forward some auto insurance that must be purchased as the loan condition in the car loan contract.
3. In the process of handling the mortgage, the car buyer may encounter the situation that the loan is rejected or the loan is slow due to the unsuccessful audit. In the agreement signed by the dealer, it is generally indicated whether the deposit will be refunded. When signing a contract, you must pay attention to the refund method, date and amount.
4. After determining whether the repayment method is equal principal and interest or average capital, consumers need to confirm the repayment time and the minimum repayment amount, so as to avoid increasing the repayment cost due to the unsuccessful regular deduction. If the payment date exceeds three days, the corresponding financial institution will urge the owner to repay, and at this time, additional communication fees, interest and other funds will be generated.
Baidu Encyclopedia-China Bank Personal Consumption Auto Loan
Baidu Encyclopedia-China Bank