Bank of China loan application conditions for buying a car

One is a citizen of People's Republic of China (PRC) (PRC), or a resident of Hong Kong, Macao and Taiwan and a foreigner living in People's Republic of China (PRC) (PRC) for 1 year or more;

2. Having valid identification, fixed detailed address and full capacity for civil conduct;

Third, personal legal assets with stable legal income or sufficient to repay the principal and interest of loans;

Fourth, personal credit is good;

Fifth, it can pay the down payment stipulated in these measures;

6. Other conditions required by the lender;

Seventh, at least 25-55 years old;

Eighth, have a stable work unit;

Ninth, have worked continuously in the current unit for 6 months.

Matters needing attention in loan car purchase:

First, after enjoying the "zero-interest-free loan" of the merchants, can you still enjoy the preferential price of the car?

Second, the current car loan fee on the market is in the range of 4%~7.5%. Is it interest-free and fee-added?

Third, the general car purchase interest rate is charged according to the bank benchmark interest rate. Regardless of whether the handling fee is unavoidable, the interest is floating on the basis of the bank's benchmark interest rate. At the same time, due to the choice of loans, new car insurance must be "fully insured", which will result in a large premium expenditure.