1. Application conditions for auto loan: 1. Private banking customers, sunflower customers, platinum credit card customers or existing loan customers who meet the requirements of China Merchants Bank; 2. Employees of government agencies or administrative institutions such as civil servants, teachers and doctors; 3. High-quality enterprise employees; 4. Other high-quality customers identified by China Merchants Bank;

Second, the application conditions of easy loan car loan: this car loan method is convenient and easy to borrow, suitable for all people who need loans to buy a car (the specific conditions are subject to the announcement of China Merchants Bank), and the maximum loan car loan is 500,000 yuan. As long as you cooperate with the guarantee company (or insurance company) of China Merchants Bank, you can get this loan.

Handling process: first, find the account manager of the personal credit department of China Merchants Bank-go to any business hall of China Merchants Bank and ask who can handle the automobile consumption loan-the designated person must be the account manager of the bank; Second: seek communication. Mainly consulting how to handle this consumer loan. The account manager of the bank will ask you what kind of loan you apply for, whether it is mortgage or credit loan. You choose a credit loan and explain that the amount is generally not higher than 60% of the car price. Third: provide information. The bank account manager will ask you to provide the following series of information, including but not limited to: original ID card, original household registration book (card), income certificate, employment certificate, original marriage certificate (provided by married people), original spouse's above-mentioned certificate and employment income certificate, original driver's license, original or copy of real estate license (this is the best, mortgage is also acceptable), China Merchants Bank Card, and personal income bank running list. Fourth: Bank preliminary examination data. The preliminary examination materials include the above materials and the credit information of you and your spouse obtained by the bank from the Credit Information Center of the People's Bank of China; Fifth: sign a loan contract. Two (three) copies of the contract, which is the initial signing; Sixth: approval of loan intention. After the bank has passed the preliminary examination, it will inform you to go to the garage to pay the down payment, then return the down payment receipt, credit card voucher and copy of the car purchase contract to the bank account manager, and inform the bank account manager of the garage, account name, account number and other information (be sure to confirm clearly), and then wait for the loan; Seventh: lending. If it is handled by China Merchants Bank, the loan will generally not exceed 3 working days. When lending money, a text message will inform you that the loan money has been transferred to your personal account-don't be happy-to the account of the car dealer's bank. Inter-bank banks in the same city generally do not exceed 3 working days, and peers in the same city can receive the account immediately on the same day. At this time, pay attention to ask your garage sales manager if you have received the payment; Eighth: pick up the car when it arrives. I won't say this step. The sales manager of the dealership will contact you actively to inform you that the money has arrived. Ninth: Submit other materials. After the vehicle is licensed, it can be handed over to the account manager of China Merchants Bank together with copies of the tax payment certificate, invoice, driving license and registration certificate of the vehicle within one month, and relevant materials such as loan contract can be obtained at the same time; Tenth: Pay back the money every month until it is paid off.

2. Can I get a loan with my passport?

If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank. As the required conditions and application materials of each loan project are different, please call the customer service hotline of China Merchants Bank at 8:30- 18:00, and select 3 people to serve the loan manually. Learn more about the city.

Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank. 3. What are the conditions for China Merchants Bank's personal automobile consumption loan?

Personal automobile consumption loan: refers to the loan issued by China Merchants Bank to the borrower who applies for buying a brand-new non-operating automobile under its name to pay the price of the purchased automobile. Personal car consumption loans must be used to buy new cars registered with local handling banks. Conditions for the application of China Merchants Bank's automobile consumption loan The borrower must be a permanent resident of the place where the loan bank is located, have full capacity for civil conduct, have repayment ability and have no record of non-performing loans. Borrowers applying for automobile consumption loans should fill in relevant application forms and provide relevant materials. Loan review: after receiving the borrower's application and the materials that meet the requirements, China Merchants Bank will review the credit standing, repayment ability and authenticity of the materials of the borrower and guarantor according to the regulations, and make a reply after the review. Signing a contract: After the loan is approved by China Merchants Bank, the borrower shall go through the following procedures: the borrower shall apply for auto consumption loan guarantee insurance; Banks sign loan contracts and guarantee contracts with borrowers, and go through notarization, mortgage registration, insurance and other related procedures to issue loans: China Merchants Bank issues loans to borrowers' personal accounts, and transfers loans to relevant payee accounts according to borrowers' entrustment. The automobile consumption loan shall provide the following information: the borrower's identity certificate and marital status certificate; Proof of the borrower's occupation and economic income issued by the department recognized by the lender; The car purchase agreement or contract signed with the dealer designated by the lender; A deposit certificate or down payment receipt of not less than the down payment; If the house property is mortgaged or pledged, it shall provide the list of mortgaged property or pledged property, the ownership certificate, the certificate that the person who has the right to dispose of it (including the co-owner of the house property) agrees to mortgage or pledge, and the mortgage appraisal certificate issued by the competent department; If a third party provides a guarantee, it shall issue a written document, relevant credit certification materials and a certain percentage of the deposit agreed by the guarantor; Other information required by the lender.