(1) Basic information 1, original personal loan application form filled by the borrower 2, original valid identification certificates of the borrower (mortgagor) and guarantor 3, original valid income certificates of the borrower and guarantor 4, original information of individual settlement account for contribution 5, copy of information of collection account of automobile dealer 6, original car purchase contract, agreement or letter of intent and deposit receipt 7, and leave the original household registration book and copy of marriage certificate of the borrower and its spouse. 8. Original real estate license or real estate mortgage contract, original mortgage contract and copy of mortgage real estate license. 9. Other relevant materials that we think need to be provided. (2) In addition to the basic information of the borrower, it is also required to provide: 1, appraisal and evaluation report of used cars issued by the automobile appraisal and evaluation institution designated by the bank (excluding performance insurance), and 2. Copy of commercial insurance policy and copy of motor vehicle registration certificate for vehicle purchase (completed before loan) (second-hand vehicles must be mortgaged to the bank, and the original motor vehicle registration certificate after mortgage must be kept by the bank). 3. If the vehicle (original owner) belongs to state organs, state-owned enterprises and institutions for sale before transfer, it shall be accompanied by proof of asset disposal. Vehicles that need to be deregulated shall provide the Deregulation Certificate for Vehicles under the Supervision of People's Republic of China (PRC) Customs. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
2. Can a car with a foreign license be invoiced at a local second-hand car dealership?
You can issue transaction invoices in the local second-hand car trading market, because the current second-hand car trading can be traded in different places, and you can also go through the transfer procedures in different places. As long as the emission standard of your second-hand motor vehicle meets the local trading policy, you can go through the transfer procedures in different places, and you don't have to go through the transfer procedures in the same place.
3. What are the necessary materials for Shenzhen auto loan application?
Personal loan application, valid identity certificate, occupation and income certificate, basic family information, car purchase agreement, supporting documents required for guarantee, and other conditions stipulated by the lender. For specific information, please consult Jin Yingyou. They are very professional in this field.
Four, China Bank Shenzhen Branch personal second-hand car loan processing conditions.
(1) The borrower shall meet one of the following conditions:
1. Add a guarantor for a deep house or a deep house. (Real estate can include houses in legal hands or self-built houses, etc. )
2. Add social security or commercial insurance recognized by the Bank for more than one year.
3. The insurance company agrees to undertake 100% performance responsibility to our bank, and the borrower has social security for more than half a year or a guarantor with social security for more than half a year or commercial insurance for more than one year.
(2) If "RV-linked" method is adopted (that is, vehicle mortgage and our housing mortgage loan are bundled at the same time), the borrower shall meet the following conditions:
1. Our personal housing stock loan customers and their spouses, parents and adult children. Stock customers must deposit in our bank for one year or more.
2. Conditional mortgage incremental customer base (allowed to be tied with housing mortgage loan and handled at the same time). At present, the increment is limited to customers with first-hand housing loans.
(3) Insurance
1. No matter what guarantee method is used to apply for personal automobile consumption loan, during the loan period, the commercial insurance types purchased by the loan shall be at least not less than vehicle loss insurance, burglary rescue and emergency rescue, excluding deductible, third party liability insurance and spontaneous combustion insurance, and the insured amount shall be not less than the sum of the loan principal and interest.
2. It is specially stipulated in the original insurance policy that "Shenzhen XX Branch (fill in the name of the handling bank)", "② This insurance policy shall not be revoked, reduced or modified without the written consent of the first beneficiary" and "③ When the vehicle is totally lost, presumed totally lost or stolen, the auto insurance will pay off the loan in advance." These words
If the loan is guaranteed by a professional guarantee machine, industrial insurance companies such as commercial insurance tracking and renewal are fully responsible.
3. Insurance claim
Because we need to pay compensation, the insurance company will generally require us to issue a certificate of repayment of the auto loan first (if the attachment is normal, the business should be proved. In order to reduce work pressure and operating costs, it is allowed to make a special notation in the insurance policy that the compensation amount for a single vehicle accident shall not exceed ×××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××
If in doubt, please continue to consult the online customer service of Bank of China. If you have other business needs, please download the mobile banking APP of Bank of China or follow "Bank of China Micro-Banking" on WeChat to continue consulting and handle related business.