The loan to buy a car needs to be met: the car buyer must be a China citizen who is over 18 years old and has full civil capacity; Car buyers must have a stable job and have the ability to repay the principal and interest of loans on time; Personal credit record is good; Can provide a fixed detailed address; During the loan application period, car buyers should deposit no less than the down payment conditions stipulated by the bank in the account of the bank savings counter; Other conditions stipulated by the bank.
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Materials to be prepared: personal loan application; Personal valid identity document. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;
Household registration certificate or long-term residence certificate; Personal income certificate, and provide family income or property certificate when necessary; Certificate of intention to buy a car issued by the car dealer; Loan to buy a car down payment certificate; If the purchased vehicle is secured by other means than mortgage, relevant materials of the guarantee shall be provided, including the pledge certificate of rights, the ownership and evaluation certificate of mortgaged real estate, and the letter of intent for third-party guarantee, etc. ; If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the attachment agreement and lease agreement for the vehicle to be attached to the transport fleet; The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by the Construction Bank; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.
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The process of buying a car by loan: submission of loan application materials, preliminary examination of the bank, credit investigation and customer evaluation of the borrower by the bank, bank approval, formalities, bank appropriation and successful car purchase.