Personal car loan is a car loan issued by Agricultural Bank of China to individual customers, including personal car loan and personal commercial vehicle loan. China Agricultural Bank's personal car loan application conditions are 1, China citizens or Hong Kong, Macao and Taiwan residents with full capacity for civil conduct and foreigners who have lived in China continuously for 1 year or more; 2. Possession of legal and valid identity documents or proof of long-term residence in China; 3. Have a fixed and detailed address; 4. Personal legal assets with stable legal income or sufficient to repay the loan principal and interest; 5. No bad credit record; 6. Being able to provide effective guarantee; 7. Other conditions that meet the requirements of the Agricultural Bank. What are the main types of personal car loans? Personal car loans are divided into self-use loans and commercial vehicle loans according to the purpose of the loan car. Self-use cars refer to non-profit cars purchased by borrowers through auto loans. Commercial vehicles refer to vehicles purchased by borrowers through auto loans for profit, including bulldozers, excavators, mixers, pump trucks and other engineering vehicles. How to apply for a car loan from Agricultural Bank of China? 1. Customers apply for personal car loans on the online cooperation platform or business outlets of Agricultural Bank of China and submit relevant materials; 2. The bank conducts investigation and approval; 3. Sign a loan contract; 4, insurance, notarization, guarantee and other procedures; If there are arrears and bad credit records for three consecutive periods or six cumulative periods on the loan application date, the Agricultural Bank directly refuses the application for individual auto loans. Vehicles purchased with personal car loans must be insured with insurance companies for vehicle loss insurance, third-party liability insurance and theft insurance, and the Agricultural Bank of China is indicated as the first beneficiary in the additional terms of the policy. In principle, the insurance period shall not be shorter than the loan period. If the insurance period is shorter than the loan period, the renewal shall be agreed in the agreement. The longest term is 5 years, of which the longest term of commercial vehicle loan is 3 years; The term of second-hand car loan is up to 3 years, and the term of second-hand car loan is up to 6 years.
Second, how to apply for a loan to benefit farmers?
Answer: 1. He is over 18 years old (including 18 years old), and the sum of his age at the time of applying for a loan and the loan term is not more than 65 years old (including 65 years old); Have a fixed residence in the countryside, be in good health, have full capacity for civil conduct and work, and hold valid identity documents.
2. According to the Administrative Measures of Agricultural Bank of China on Customer Credit Rating of Agriculture, Countryside and Farmers, the customer credit rating result is medium or above;
3 should have a stable income and the ability to repay the principal and interest of the loan on schedule;
4 engaged in production and business activities, in line with national laws and regulations and industrial policies;
5. Good conduct and no overdue loans when applying for loans;
6. Meet other conditions stipulated by the lending institution.
1, open' Agriculture app'.
2. Log in to ABC APP.
3. Click "Loan" on the home page.
4. A page will pop up and click "I want a loan". "
5. Select "Huinong Electronic Loan" from the pop-up loans and new products, and click.
6. Click "Submit Application" in the pop-up page.
7. Summary:
8. 1. Open the Agricultural Application.
9.2. Log in to ABC APP.
10, 3. Click "Loan" on the home page.
1 1, 4. Then a page will pop up and click "I want a loan."
12, 5. Select "Huinong Electronic Loan" from the loans and new products that pop up, and click.
13, 6. Click "Submit Application" in the pop-up page.
3. How to handle the car loan of ABC? You should know these two methods!
Nowadays, many people choose car loans when buying a car. Although there are many auto financing companies to choose from. But most people's first choice is the bank. Today, I'm going to introduce how to apply for a car loan from Agricultural Bank of China. Everyone can achieve the goal of buying a car through the personal car loan of Agricultural Bank and the consumer loan of Agricultural Bank. Introduce how to handle these two kinds of loans respectively. The minimum down payment ratio of personal car loan of ABC is 20%, and the longest period is 5 years. The basic applicable conditions of this product are: (1) the age is between 18-60 years old; (2) Proof of local or permanent residence; (3) Good credit and strong repayment ability; (4) You can pay the down payment for car purchase. Processing flow: 1. Apply for personal car loan in a nearby agricultural bank and submit relevant materials; 2. Waiting for the investigation, review and approval of the Agricultural Bank; 3. After approval, go to the bank to sign a loan contract and go through the formalities of insurance, notarization and guarantee; After everything is handled, we will wait for the bank to issue the loan. Consumer Loan Consumer loan is a loan used by Agricultural Bank of China for consumption, which is mainly used for car purchase, home decoration and tourism. Pay-as-you-go loan is a kind of consumer loan, with a maximum loan amount of 2 million yuan and a maximum term of 5 years. The basic application conditions for paid loans are: (1) China nationality; (2) 18-60 years old with full capacity for civil conduct. Processing flow: 1. Apply for a loan from the Agricultural Bank and wait for the approval of the bank; 2, after approval, to the Agricultural Bank outlets to sign the contract; When the letter is approved, it is waiting for the bank to lend money.
4. How to apply for personal car loan from Agricultural Bank of China?
1, the customer proposes personal steam materials.
2. The bank conducts investigation, examination and approval.
3. Sign a loan contract.
4, insurance, notarization, guarantee and other procedures.
5. issue loans.
Bidding requirements
1. People's Republic of China (PRC) (PRC) citizens, or Hong Kong, Macao and Taiwan residents and foreigners who have lived in China for more than one year (including one year) (Hong Kong, Macao and Taiwan residents and foreigners should also designate a local resident with certain economic strength and good reputation as a contact person);
2. 18 (inclusive) to 60 (inclusive), with full capacity for civil conduct and holding a valid ID card.
3. Have a local household registration certificate or a valid identity certificate;
4. Credit records, income levels and credit scores are in line with the relevant provisions of the Agricultural Bank of China, and they have the ability to repay loans on schedule.
5. Being able to pay the down payment for car purchase of not less than the specified proportion, and providing qualified guarantee;
6. Other conditions that meet the requirements of the Agricultural Bank.
Extended Information China Agricultural Bank Personal Automobile Loan Application Materials
1、《
2. Personal valid ID card, household registration book, military officer's card, passport, travel permit for Hong Kong and Macao compatriots to and from Taiwan, etc. If the borrower is married, the identity certificate of the spouse shall be provided;
3. Household registration certificate or long-term residence certificate;
4, personal income certificate, provide proof of family income or property when necessary;
5. Intention to buy a car issued by the car dealer.
6. Proof of down payment for car purchase;
7. If the purchased vehicle is secured by other means other than mortgage, relevant materials for the guarantee shall be provided.
Bank-personal car loan