First, as long as you meet the loan conditions, you can borrow money. Application conditions:

(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.

(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.

(3) During the loan application period, the car buyer will deposit the car purchase down payment lower than that stipulated by the bank into the account of the bank savings counter.

(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.

(5) Car buyers are willing to accept other conditions deemed necessary by the bank.

Second, provide information.

1, personal loan application;

2. Valid identification of individuals and spouses;

3, I and my spouse's occupation, position and income certificate;

4. Marriage certificate (unmarried certificate is required, except those who have not reached the legal age for marriage) and household registration book;

5. Original ID card, residence booklet or other valid proof of residence, and provide a copy;

6 car purchase agreement, contract or letter of intent signed with the dealer;

7. Proof of deposit or down payment;

8. The supporting documents or materials required for the guarantee;

9. Other documents required by the Cooperation Organization.

Extended data

The specific steps of buying a car with a credit card loan from CITIC Bank are as follows:

1. The loan applicant chooses the vehicle type, and then needs to go to CITIC Bank to fill out an application form for automobile consumption loan, a credit status questionnaire, and provide your personal income certificate;

2. After the bank has passed the preliminary examination, collect data and verify relevant information;

3. After approval, notify the lender to sign a loan contract, a guarantee contract and a mortgage contract with the borrower, and handle mortgage registration, insurance and other procedures;

4. The borrower pays the down payment for car purchase, and goes through the formalities of car licensing and vehicle mortgage.