Nowadays, cars have become an indispensable tool in everyone's life. Many people choose to apply for a car loan when buying a car. Today, I would like to introduce the automobile loan process of Agricultural Bank of China to you, so that you can have a preparation in advance.
There are two channels for ordinary people to apply for auto loans from ABC, one is the outlet counter channel, and the other is the credit card channel. Here, I will introduce the specific process to you.
Exit counter
1. Go to the nearby outlets of Agricultural Bank of China to apply for personal car loan and submit relevant materials;
(Relevant information includes: my ID card, income certificate, work certificate, car down payment certificate, etc. )
2. Waiting for the investigation, review and approval of the Agricultural Bank;
3. After receiving the notice that the bank loan has been approved, sign a loan contract at the bank's business outlets;
4. According to the requirements of Agricultural Bank of China, handle insurance, notarization, guarantee and other procedures;
When all the formalities are finished, everyone can wait for the loan from ABC.
1. Go to the car dealer who cooperates with the Agricultural Bank of China credit card and choose the car model you like;
2. Fill in the car staging application form and present the required certification materials;
3. It generally takes 1-2 weeks to wait for the approval of the Agricultural Bank loan, depending on the situation;
4. After receiving the notice, everyone needs to go to the Agricultural Bank to go through relevant procedures, such as signing a loan contract;
5. After completing the relevant formalities, everyone goes to the dealer to pay for the car.
Generally speaking, ABC's car loan process is still relatively complicated and takes some time.
How to handle the car loan of ABC? You should know these two methods!
Nowadays, many people choose car loans when buying a car. Although there are many auto financing companies to choose from. But most people's first choice is the bank. Today, I'm going to introduce how to apply for a car loan from Agricultural Bank of China.
Everyone can achieve the goal of buying a car through the personal car loan of Agricultural Bank and the consumer loan of Agricultural Bank. Introduce how to handle these two kinds of loans respectively.
Agricultural Bank of China Personal Automobile Loan
The minimum down payment ratio of personal car loan of ABC is 20%, and the longest period is 5 years. The basic applicable conditions of this product are: (1) the age is between 18-60 years old; (2) Proof of local or permanent residence; (3) Good credit and strong repayment ability; (4) You can pay the down payment for car purchase.
Processing flow:
1. Apply for personal car loan from the nearby Agricultural Bank and submit relevant materials;
2. Waiting for the investigation, review and approval of the Agricultural Bank;
3. After approval, go to the bank to sign a loan contract and go through the formalities of insurance, notarization and guarantee;
After everything is handled, we will wait for the bank to issue the loan.
consumer loans
Consumer loan is a loan used by Agricultural Bank of China for consumption, which is mainly used for car purchase, home decoration and tourism. Pay-as-you-go loan is a kind of consumer loan, with a maximum loan amount of 2 million yuan and a maximum term of 5 years. The basic application conditions for paid loans are: (1) China nationality; (2) 18-60 years old with full capacity for civil conduct.
Processing flow:
1. Apply for a loan from Agricultural Bank and wait for the approval of the bank;
2, after approval, to the Agricultural Bank outlets to sign the contract;
When the letter is approved, it is waiting for the bank to lend money.
Why doesn't ABC have a car loan?
Yes, you can. Agricultural Bank loan to buy a car application conditions:
1. China citizens with full capacity for civil conduct or Hong Kong, Macao and Taiwan residents and foreigners who have lived in China for more than 1 year.
2. Holding legal and valid identity documents or certificates of long-term residence in China.
3. Have a fixed detailed address.
4. Personal legal assets with stable legal income or sufficient to repay the loan principal and interest.
5. Personal credit record is good.
6. Being able to provide effective guarantee.
7. Other conditions that meet the requirements of the Agricultural Bank.
Temporary storage:
Loan term: up to 5 years, of which the longest loan term for commercial vehicles is 3 years. The term of second-hand car loan is up to 3 years, and the term of second-hand car loan is up to 6 years.
Loan amount: the loan amount is mainly determined according to the purchase price of the vehicle, with the maximum amount of 80% of the purchase price for self-use vehicles and 60% of the purchase price for commercial vehicles.
Loan interest rate: the benchmark loan interest rate of the central bank is implemented, and it is allowed to float within a certain range.
To apply for a car loan from Agricultural Bank of China, the purchased car must be insured by the insurance company for vehicle loss insurance, third party liability insurance, theft insurance and other insurances, and the Agricultural Bank is indicated as the first beneficiary in the additional clauses of the policy.