Precautions for car loan:
Loan object: The loan object is eighteen years old (inclusive) to sixty years old (inclusive) and has full capacity for civil conduct.
Loan amount: the purchased vehicle is 80% of the purchased vehicle price; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 60% of the purchase price;
Loan term: the purchased vehicle is for personal use, and the longest loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years;
2. Can I apply for Guangfa Bank to buy a car in installments?
Yes, provided that you can get a big card and the car dealership supports installment payment.
Let's see what others say.
3. How to apply for a car loan from Guangfa Bank?
How to apply for a car loan from Guangfa Bank? The automobile loan of Guangfa Bank refers to the automobile loan issued by Guangfa Bank to customers (used cars are not included in the purchased cars). The following is a detailed introduction to the application conditions and required materials of Guangfa Bank's auto loan. Application conditions for automobile loan of China Guangfa Bank: 1. People's Republic of China (PRC) citizens, or Hong Kong, Macao and Taiwan residents and foreigners who have lived in People's Republic of China (PRC) for more than one year (including one year); 2. The age stage is 18 to 60 years old, and the total age of the borrower and the loan period is no more than 65 years old; 3. Have valid identity documents and local permanent residence certificates. Valid identification includes ID card, passport, home visit permit, and the permanent residence certificate is limited to the household registration book; 4. Good credit record, stable occupation, housing and other assets, and the ability to repay the loan principal and interest on schedule; 5. There is a down payment certificate or a deposit of not less than the down payment in Guangdong Development Bank; 6. Being able to provide a guarantee recognized by Guangdong Development Bank; 7. To apply for commercial vehicle loans, you must also have the corresponding transportation business qualifications; 8. Other conditions stipulated by Guangfa Bank. Application materials of Guangdong Development Bank for automobile loan: 1. Loan application; 2. The valid identity certificate and marriage certificate of the individual (and spouse); 3. Personal income certificate; 4. Other property certificates; 5. Motor vehicle down payment certificate; 6. Proof of the ownership of the mortgaged property; 7. Other supporting materials;
4. What is the e-second loan application process of Guangfa Bank?
1 The e-second loan application process of Guangfa Bank is relatively simple, but certain conditions need to be met before the application can be successful.
2 First, you need to register and log in at official website of China Guangfa Bank or the mobile banking APP, then enter the e-second loan page, fill in personal basic information, loan amount, loan term and other related information, and submit an application.
The bank will evaluate the applicant's credit history and repayment ability, and review the loan within 2 working days if it meets the requirements.
After lending, the applicant can manage and repay the loan on the mobile banking app.
In addition, it should be noted that Guangfa Bank's e-second loan is only open to credit card customers of Guangfa Bank, and the amount and duration of the loan are also limited.