Now car loan has become a hot spot for major banks to compete for. Many friends don't know which one to choose when choosing a loan bank. Someone asked: How about the car loan of China Everbright Bank? The following is to introduce the relevant content for everyone. First of all, let me introduce the general situation of China Everbright Bank's auto loan. In terms of quota, the total amount of auto loans of China Everbright Bank cannot exceed 6,543,800 yuan. For fuel vehicles, the down payment ratio shall not be less than 30% of the total price; For new energy vehicles, the down payment ratio shall not be less than 20%. In terms of term, the loan term shall not exceed 5 years at the longest, and the borrower shall not be over 65 years old when the loan expires. In terms of repayment, China Everbright Bank's auto loan only supports two repayment methods, namely equal monthly payment and equal monthly payment. That is, we often say equal principal and interest and average capital. Let's take a look at the auto loans of China Construction Bank and Industrial Bank. The minimum down payment ratio of China Construction Bank's auto loan is 20%, and the longest term is 5 years, mainly by equal principal and interest and average capital repayment. Friends with a loan term of less than one year can also use monthly interest payment and one-time repayment of principal and interest at will. The minimum down payment ratio for non-imported cars and imported cars of Industrial Bank is 30% and 40%, respectively, and the longest loan period is 5 years. Generally, the repayment of principal and interest on a monthly basis is adopted. Through comparison, it is found that the automobile loan of China Everbright Bank is at a medium level among the automobile loans of commercial banks, which is worse than that of China Construction Bank and better than that of Industrial Bank.

2. What is the loan amount of "personal car loan" of China Everbright Bank?

The longest loan period is no more than 3 years, and the borrower is no more than 65 years old when the loan expires. "Personal car loan" is used to buy a first-hand passenger car under its name for non-operating purposes. First-hand vehicle refers to a motor vehicle that is first registered in the traffic management department and directly sold by a motor vehicle manufacturer or a dealer designated by the manufacturer: (1) It has legal status and can provide proof of nationality and marital status; (two) a stable income, good credit, and the ability to repay the principal and interest of the loan on schedule; (3) It is legal and effective; (4) Having the down payment certificate required by China Everbright Bank; (5) Opening a sunshine card or savings passbook with settlement function in China Everbright Bank, and agreeing to authorize China Everbright Bank to directly deduct the loan principal and interest and related expenses that the borrower should bear from the agreed repayment account; (6) Being able to provide effective guarantee recognized by China Everbright Bank; (7) Other conditions required by China Everbright Bank.

3. What is the landing limit of large-sum transfer of China Everbright Bank?

The accumulative transfer limit of Everbright Bank's personal online banking transfer on the same day is to ensure the safety of customer accounts, and limit the accumulative online banking transfer transaction amount on the same day for all accounts under the customer's name. Depending on the online banking version and transfer method used by users, the limit is different.

Personal online banking can modify the external transfer limit. Before setting the limit, the system defaults to a cumulative transfer limit of 5000 yuan for the day.

4. What is the personal car loan amount of China Everbright Bank?

Personal automobile consumption loans refer to RMB loans issued by China Everbright Bank to car buyers for purchasing first-hand passenger cars under their names for non-operating purposes. As far as its design and technical characteristics are concerned, passenger cars are mainly used to carry passengers and their carry-on luggage and/or temporary articles, with no more than 9 seats, including the driver's seat. The borrower shall also meet the following conditions

(1) Having legal status and being able to provide valid identity documents, household registration books and proof of marital status;

(two) local household registration or local residence for more than one year, stable income, good credit, and the ability to repay the loan principal and interest on schedule;

(3) Having a legal and effective car purchase contract or agreement;

(4) Having the down payment certificate required by the bank;

(5) Open a sunshine card or savings passbook with settlement function in our bank, and agree to authorize our bank to directly deduct the loan principal and interest and related expenses that the borrower should bear from the agreed repayment account;

(6) Being able to provide effective guarantee recognized by the bank;

(7) Other conditions required by the bank.