Personal consumption car loan

product description

Personal consumption car loan refers to the RMB loan issued by the bank and paid directly to car dealers for car use (excluding used cars) and the insufficient part.

I. Loans

1, a natural person with full capacity for civil conduct;

2. Effective proof of personal identity;

3. Have the legal ability to repay the loan principal and interest.

4. Good personal credit;

5. Holding a car purchase contract, agreement or letter of intent approved by the handling bank;

6./ Pledged goods or joint liability guarantee with sufficient compensatory capacity; Or provide corresponding materials that meet the conditions of personal credit revolving loan of China Bank;

7. Proof of the ability to buy a car in the future;

8. Other conditions stipulated by the handling bank.

Second, the loan application

Materials to be provided for applying for personal consumption car loan business:

(a) loan application;

(two) the original identity card, residence booklet or other valid proof of residence, and provide a copy;

(3) Proof of occupation and economic income, including but not limited to bank deposit certificate, credit card statement, tax payment certificate, etc.

(four) the car purchase agreement, contract or letter of intent signed with the dealer;

(5) The certificates or documents required for the guarantee, including the list of mortgaged (pledged) goods and the certificate of the person who has the right to dispose of (including pledged) goods; Certificate of ownership or use right of collateral issued by the competent department, written appraisal certificate (written appraisal of vehicle invoice price combined with market published price), and documents agreeing to insure; Pledged goods need to be delivered with pledged goods or rights certification documents; Guarantor agrees to perform joint and several liability guarantee materials; Or documents proving that they meet the conditions for credit loans;

(6) Relevant certificates that the down payment for car purchase has been paid;

(7) Other documents required by the branch.

Third, the loan limit.

In principle, the loan amount of general customers is not higher than 60% of the car price, and the quality customers provide%; The loan amount for quality customers is 70%.

Four. length of maturity

The term of personal automobile consumption loan for ordinary customers shall not exceed 3 years (including 3 years) in principle; The term of personal automobile consumption loan for high-quality customers shall not exceed 5 years (including 5 years).

five

According to the length of the loan period, the benchmark interest rate shall be implemented according to the household loan interest rate announced by the People's Bank of China, and shall not be lower than the benchmark interest rate in principle; With the approval of provincial branches, the loan interest rate of high-quality customers may be appropriately lowered on the basis of the benchmark interest rate, and the downward rate shall not exceed 10%.

Intransitive verb loan currency

Currently only RMB.

Seven. Loan guarantee letter

(1) The borrower shall provide sufficient and effective guarantee as a reliable second repayment source. Among them, ordinary customers must provide either of the following two guarantee methods, and high-quality customers can provide either of the following guarantee methods.

1. Mortgage of purchased vehicles

2. Irrevocable joint and several liability guarantee of the third party (natural person or legal person)

3. Mortgage/pledge of property other than the purchase of vehicles

4. Other guarantee methods recognized by the Head Office.

(2) Credit loans can be used for high-quality customers of consumer car loans who meet the requirements of the Interim Measures for the Administration of Personal Credit Revolving Loan Quota of Bank of China.

(3) The loan guarantee shall be managed in strict accordance with the Guarantee Law and other relevant laws and regulations as well as the relevant provisions of the Bank's current mortgage/pledge guarantee.

Eight. Loan insurance

You should apply for collateral insurance according to the requirements of Bank of China. The insurance period shall not be shorter than the loan period, and the insurance amount shall not be less than the sum of the loan principal and interest. Bank of China enjoys the priority of compensation under the insurance policy, and the insurance policy shall not contain any restrictive clauses that are detrimental to the rights and interests of Bank of China. If you use the purchased vehicle as collateral, Bank of China will require you to insure the collateral against at least vehicle loss and theft.

During the validity period of the insurance, you shall not interrupt or cancel the insurance for any reason; If the insurance is interrupted, the Bank of China has the right to take out insurance on its behalf. In case of damage beyond the insurance coverage, you should promptly notify the Bank of China and implement other guarantees.

Nine. Loan repayment

Monthly (quarterly) repayment of loan principal and interest is adopted, and the specific repayment methods can be equal principal and interest repayment method and average capital repayment method. High-quality customers whose loan term is within 1 year (including 1 year) can repay the loan principal and interest in one lump sum, and the loan amount is not higher than 60% of the car price.

Applicable object

People's Republic of China (PRC) citizens with full capacity for civil conduct, or Hong Kong, Macao and Taiwan residents and foreigners who have continuously lived in People's Republic of China (PRC) for more than 1 year (inclusive).

operation flow

There are many materials needed to handle the loan business. If you have more questions, please consult the local China Bank outlet with the brand logo of "Ideal Home" or call 95566.

Second, how to calculate the interest of Ping An Auto e-loan?

Ping An's car owner loan interest rate is 1.8% per month. Take the minimum loan of 80,000 yuan as an example, and the monthly interest is 30,338+0 yuan.

The interest rate of Ping An car owner loan varies from person to person, because it is mainly determined according to the comprehensive qualification of the borrower, so the better the personal qualification, the lower the interest rate. The monthly interest rate is generally around 1.2% to 2.08%. The loan term is mainly 12 months, 24 months and 36 months.

Ping An Pratt & Whitney E loan is a kind of vehicle mortgage loan. Compared with other vehicle mortgage loans, most Ping An Pratt & Whitney lenders' car loan interest is 6.09%-7.6%/ year, including insurance premium, which is generally 1.5%- 1.7%/ month. The car loan period of Ping An Pratt & Whitney is generally around 1-3 years, and the repayment method can be average principal and equal principal and interest.

3. How to calculate the interest rate of Ping An Bank's 20 18 mortgage?

The monthly interest rate is generally 8.5%

4. How to calculate the e-loan interest rate?

If you need funds, Ping An Bank provides unsecured credit loans, as well as mortgages and mortgage loans for houses and cars. The loan application conditions are different, and the loan interest rate is different. Whether the approval is successful or not is evaluated according to your comprehensive qualifications. You can log in to Ping An Pocket Bank APP- Finance-Loan for details and try to apply.

Reply time: 202 1-0 1-25. Please refer to the latest business changes announced by Ping An Bank in official website.

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