hello, if you don't have a credit card, I suggest you apply for a car loan. If you are going to apply for a car loan through China Merchants Bank, our personal car consumption loan is issued to customers who buy a brand-new non-operating car in my name, which is used to pay for the car purchase. (At present, second-hand car loans and personal vehicle loans are not supported)

The maximum loan amount is 2 million yuan. And the maximum loan amount does not exceed 8% of the price of the purchased vehicle (excluding various additional taxes and premiums); The maximum amount of personal car loan for imported cars shall not exceed 7% of the price of the purchased car (excluding all kinds of additional taxes and premiums). The loan term is generally not more than 3 years, and the longest is not more than 5 years.

generally, loan applications need to provide application materials:

1. identification materials

2. marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.

3. local residence certification materials: fixed telephone bill for any three months in the last year, or utility bill, or other materials that can prove the address

4. guarantee certification materials. After the loan is issued, you must provide a full car purchase invoice (if it is not provided before the loan is issued) and a vehicle purchase tax payment certificate.

6. proof of repayment ability: our payroll customers can directly provide their payroll account flow;

if you need to provide other information for this loan, the handling bank will inform you in time, and you can also confirm this information in detail through the handling bank when applying for a loan.

if you still have questions and comments, please visit online customer service /cmu/icslogin.aspx? from=B& Logincmu= for consultation, and we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!