ICBC Credit Card Loan Process Car Purchase Process: After you are optimistic about the vehicle to be purchased, fill out the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to ICBC for loan application together with relevant certificates of personal situation. The bank conducts pre-loan investigation and approval. If the loan conditions are met, the bank will promptly notify the borrower to fill in various forms. Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures.
Generally speaking, the credit card loan amount for car purchase by installment can be 60% to 70% of the car payment, which means that the down payment is generally above 30%, and the maximum loan can generally be 200,000, but not less than 30,000. Different banks are different for different cars. Basically, mid-range cars and low-range cars can be bought in installments.
Precautions for buying a car with a credit card The down payment for buying a car cannot be paid with a credit card; If you want to repay the loan in installments in advance, the handling fee will not be refunded; Vehicles purchased by credit card in installments must be insured against vehicle theft and vehicle loss, and the insurance period is consistent with the installment period; If it is a CCB credit card car purchase, the handling fee needs to be paid in one lump sum at the first repayment. The borrower pays the down payment to the car dealer, and goes through the formalities of car pick-up with the passbook and the car pick-up note issued by the bank.
ICBC can't buy a car by stages for three years, but can it be five years?
ICBC can't buy a car by stages for three years, and it can't be used for five years. The real reason is that the running water on your bank card can't arrive, and the banking system will judge that you have no repayment ability.
Is ICBC's car loan pass rate high? What are the application conditions?
When many people borrow money to buy a car, they will give priority to applying for a loan from the bank. After all, the bank's car loan interest rate is much lower than that of auto financing companies and small loan companies, but if you want to apply for a bank loan, the lender's qualifications are relatively excellent. A friend asked, is ICBC's car loan pass rate high? What are the application conditions?
Is ICBC's car loan pass rate high?
The approval of ICBC's car loan is divided into two stages, one is the preliminary examination and the other is the final examination. The preliminary examination is mainly to check whether the information submitted by the lender is true or false. If the information is confirmed to be correct and true, 90% of the people can pass the preliminary examination.
The final audit is mainly to review the lender's credit level, property income, credit status and so on. Most people fail to apply for car loans at this stage, and ICBC's car loan application conditions are relatively easy to pass. As long as the lender can basically meet the bank loan demand, the monthly income is not very low.
To apply for an ICBC car loan, you probably need to meet seven conditions.
1. The lender can provide valid personal identification.
2. The lender has full capacity for civil conduct.
3. Lenders can provide proof of personal income.
4. The lender can provide a bank deposit certificate for the down payment.
5. The lender has a car purchase agreement approved by ICBC.
6. The lender has stable professional and economic income and the ability to repay the loan on schedule.
7. The lender has collateral or guarantor recognized by China Industrial and Commercial Bank as mortgage guarantee.
The above is about "Is ICBC's car loan passing rate high?" I hope I can help you!
Is ICBC's car loan easy to handle?
As we all know, there are two kinds of ICBC auto loans: personal auto loans and personal commercial vehicle loans. So, is ICBC's car loan easy to handle? What conditions does ICBC need to apply for a car loan? What is the current interest rate of ICBC's car loan? Bian Xiao told you. 1. Application conditions of ICBC car loan: Is it easy to handle ICBC car loan? Usually, before applying for a car loan, borrow money first.
Is ICBC's car loan easy to handle?
As we all know, there are two kinds of ICBC auto loans: personal auto loans and personal commercial vehicle loans. So, is ICBC's car loan easy to handle? What conditions does ICBC need to apply for a car loan? What is the current interest rate of ICBC's car loan? Bian Xiao told you.
I. Conditions for ICBC to apply for auto loans
Is ICBC's car loan easy to handle? Usually, before applying for a car loan, the borrower should meet the following conditions:
1. A natural person with full capacity for civil conduct, aged between 18 and 60 years old. If the borrower is a foreigner or a resident of Hong Kong, Macao and Taiwan, he shall have lived in People's Republic of China (PRC) for one year continuously and have a fixed residence and occupation, and provide local contact information;
2. Valid identity certificate, household registration certificate or valid residence certificate, marital status certificate or unmarried statement of the city where the loan bank is located;
3. Have a good credit record and willingness to repay;
4. Have a stable legal income source and the ability to repay the principal and interest of the loan in full and on time;
5. Being able to provide effective rights pledge or collateral recognized by the Bank or a third-party guarantee with compensatory capacity;
6. Being able to pay the down payment of the purchased vehicle at no less than the specified proportion;
7. If it is a "customer-to-customer" loan, you need to hold a car purchase agreement or a car purchase contract signed with a special dealer;
8. The borrower's single family (including spouse) has no more than three personal automobile consumption loans in ICBC (except those that have been settled);
9. Open a personal settlement account in China Industrial and Commercial Bank;
10. Other conditions stipulated by the bank.
Two application modes of ICBC's automobile loan
Is ICBC's car loan easy to handle? Loans can be achieved in the following two ways:
1. Direct customer service: The borrower directly submits the application materials for auto loan to ICBC, and after the loan investigation and approval, the bank signs the loan contract and guarantee contract. The borrower goes to the ICBC car dealer to buy a car. The loan is directly transferred from the bank to the car dealer's account.
2. Customer-to-customer: The borrower buys a car from the special automobile dealer of ICBC, submits relevant loan application materials, and the automobile dealer forwards the loan application to ICBC. After the loan investigation is approved, the bank signs a loan contract and a guarantee contract, and goes through notarization and insurance procedures.
So how much can I get from this loan? Generally speaking, the maximum loan amount can reach 80% of the purchase price, and the longest loan period is five years.
Three. Current ICBC auto loan interest rate (reference value of current loan benchmark interest rate)
Loans within one year (including one year): 4.60%
Loans for one to five years (inclusive): 5.00%
Loans over five years: 5. 15%
How to apply for an ICBC auto loan?
Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also known as auto mortgage. So, how to apply for an ICBC auto loan? Next, let's take a look at the popular science in Bian Xiao!
I. Service introduction
"Happiness Express" personal car consumption loan is a RMB-guaranteed loan issued by China Industrial and Commercial Bank to borrowers who apply for car purchase. It has the characteristics of simple and fast procedures, various forms of guarantee and high loan amount.
Second, the service characteristics
ICBC has two loan models: direct customer and indirect customer for you to choose from:
1. Customer-to-customer style: The borrower buys a car from a special automobile dealer of ICBC, submits relevant loan application materials, and the automobile dealer forwards it to ICBC to apply for a loan. After the loan investigation is approved, the bank signs a loan contract and a guarantee contract, and goes through notarization and insurance procedures.
2. Direct customer service: The borrower directly submits the application materials for auto loan to ICBC, and after the loan investigation and approval, the bank signs the loan contract and guarantee contract. The borrower goes to the ICBC car dealer to buy a car. The car loan is directly transferred from the bank to the car dealer's account.
Three. Application conditions
1. China citizens with permanent residence, local permanent residence or valid residence certificate in China and full capacity for civil conduct;
2 have a proper job and a stable source of income, and have the ability to repay the principal and interest of the loan on schedule;
3. Abide by laws and regulations, and have no illegal acts and bad credit records;
4. It can provide effective rights pledge or collateral recognized by the bank or a third-party guarantee with compensatory ability;
5. If it is a "customer-to-customer" loan, you need to hold a car purchase agreement or a car purchase contract signed with a special dealer;
6. Open a personal settlement account in China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;
7. Other conditions stipulated by the bank.
Four. amount of loan
1. If it is a pledge guarantee, or the bank or insurance company provides joint liability guarantee, the maximum loan amount can reach 80% of the purchase price;
2. If the purchased vehicle or other property is mortgaged, the maximum loan amount can reach 70% of the purchase price;
3. If it is guaranteed by a third party (except banks and insurance companies), the maximum loan amount can reach 60% of the purchase price.
Verb (abbreviation of verb) loan term
Automobile consumption loans are generally 3 years, and the longest term is no more than 5 years (inclusive).
Interest rate of intransitive verb loan
The automobile consumption loan is calculated according to the loan interest rate for the same period stipulated by the People's Bank of China. In case of interest rate adjustment during the loan period, if the loan term is less than one year (inclusive), it shall be calculated at the contract interest rate; If the loan term exceeds one year, it will be calculated by stages, and the new interest rate will be implemented according to the corresponding interest rate grade from the beginning of next year.
Seven, apply for personal car consumption loans should be submitted materials.
1. loan application approval form;
2. My valid ID card and a copy;
3. The original and photocopy of the spouse's valid ID card, and written proof of consent to mortgage;
4. Proof of residential address (household registration book or rent, water, electricity and gas receipts for the last three months);
5. Proof of occupation and income (original and photocopy of work certificate; Bank payroll, passbook, etc. );
6. Effective contact information and telephone number;
7. Provide proof of down payment of not less than the specified proportion;
8. Proof of loan guarantee;
The loan guarantee can be pledge of rights, mortgage guarantee or third-party guarantee.
Where pledge guarantee is adopted, the scope of pledge includes China Industrial and Commercial Bank savings deposit certificate (discount) issued by the borrower or a third party, voucher-type government bonds, registered financial bonds, and savings deposit certificate (discount) issued by local commercial banks with inter-bank pledge guarantee agreement.
Where real estate is used as collateral, the mortgaged real estate shall be a property-free house with no other pledge under the name of the borrower himself or his immediate family members, and full property insurance shall be handled.
If the third-party guarantee method is adopted, the written document of the guarantor's consent to the guarantee, the original and photocopy of the guarantor's identity certificate and relevant credit certification materials shall be provided.
9. Personal settlement account voucher opened in China Industrial and Commercial Bank;
10. Other information required by the bank. How to apply for ICBC auto loan @20 19
How to apply for 2020 ICBC car loan? Introduction to basic conditions!
With the acceleration of social development, the pace of people's life is much faster, and many people start to use cars to go to work. Now the car price is not high, and there is a lot of choice. As long as you pay the down payment, you can pick up the car quickly and repay it in installments every month. Many banks have car loan services. Today, we will introduce how to apply for a car loan from ICBC.
I. Conditions for ICBC to apply for auto loans
1. Natural persons with full capacity for civil conduct are between 18 (inclusive) and 60 (inclusive).
2. Possess legal and valid identity certificate, household registration certificate or valid residence certificate of the city where the loan bank is located, marital status certificate or unmarried statement;
3. Have a good credit record and willingness to repay;
4. It has a stable legal income source and the ability to repay the loan principal and interest in full and on time;
5. Being able to provide effective rights pledge or collateral recognized by the Bank or a third-party guarantee with compensatory capacity;
6. Being able to pay the down payment of the purchased vehicle at no less than the specified proportion;
7. If it is an "individual" loan, you also need to hold a car purchase agreement or a car purchase contract signed with a special dealer;
8. The borrower's single household (including spouse) has no more than three personal automobile consumption loans in ICBC (except those that have been settled);
9. Open a personal settlement account in China Industrial and Commercial Bank;
II. Application materials for ICBC's auto loan
1. Valid identity documents of the borrower and its spouse, household registration certificate or valid residence certificate of the city where the loan bank is located, marital status certificate or unmarried statement;
2. Personal income certificate (personal tax payment certificate, salary certificate, average financial assets in ICBC or other banks in the last 6 months);
3. The bank deposit certificate of the down payment or the relevant certificate issued by the dealer;
4. Car purchase contract or car purchase agreement;
5. Vehicle insurance contract, vehicle certificate (if the purchased vehicle is a domestic vehicle), inspection sheet of imported motor vehicle and import certificate of goods (if the purchased vehicle is an imported vehicle), and purchase invoice;
6. Proof materials related to loan guarantee;
7. Proof of personal settlement account opened in China Industrial and Commercial Bank;
8. Other information required by the bank.
Let's stop here for the introduction of ICBC car loan.