1 basic credit policy

1.1. Shoufu ratio

Toyota brand: the minimum down payment for the net price of 20%.

The mass, Audi, Mazda, red flag, the Pentium brand: the minimum down payment for the net price of 30%.

1.2. credit products

1.2.1. ordinary credit:

Duration of 6--60 months, interest or principal of matching the monthly repayment matching.

1.2.2. ladder credit:

Duration of 6--36 months, divided into increasing and decreasing type, (each phase shall be 3 months, 6 months or 12 months), matching the monthly repayment of principal and interest.

1.2.3.'s credit:

The period is divided into 14, 26, 38 months, a period of 2 months, the grace period interest only, not the principal, interest monthly repayment grace period after matching. For a period of 14 months to 1 years to implement the interest rate benchmark interest rate broke surface; 26, for a period of 38 months to 3 years of the benchmark interest rate broke surface.

1.2.4. reserved tail credit:

Duration of 6--36 months, the tail section < = loan amount x 20%, matching the monthly repayment of principal and interest, the tail section at the end of the last period to pay off. Customers in advance the last payment 30 days for an extension, the extension period of <=12 months.

1.3. loan interest rates

In accordance with company issued a "interest rate policy", the details please consult the 010-64107456.

1.4. interest rate adjustment

Floating rate

1.5. maximum loan balance

Loan period every family in our company accumulated loans of less than or equal to 500000 yuan.

1.6. prepayment

A full 6 months under normal repayment the borrower can repay the loan principal and interest in advance. Repayment ahead of schedule includes part of the repayment and repayment. Part of the repayment only ordinary credit products, and each time the repayment amount may not be lower than the June should also principal together; all the early repayment is applicable to all credit products. Other circumstances in accordance with the contract for the early repayment.

2 conditions apply

2.1. borrowers to apply for conditions

The customer shall meet the following conditions, may apply for a personal automobile consumption loans to the FAW finance company limited:

1) is a citizen of the people's Republic of China, the people's Republic of China live continuously for more than one year (including one year) of Hong Kong, Macao, Taiwan residents and foreigners

Age 18-60 years of age (2) in the loan application), with full capacity for civil rights and capacity for civil conduct

3) in the local (in the region within the business scope has a long-term stable residence).

 In the loan applicant or spouse parents name property (to reflect the lineal relatives, other relatives are not included)

 Civil servants, large enterprises employees living in the dormitory of the unit

 The owners of private enterprises have a stable place of business (owned property, the lease period in 5 years and the actual operating time in more than 2 years)

 Living in other real estate (housing and real estate), but can provide local property owned property data

4) with a steady paycheck or other source of repayment in the local, have to repay the loan principal and interest in full capacity.

5) agree with my company to the relevant departments to verify the information, and use for the relevant laws, regulations and normative documents; agree to accept will buy vehicles as collateral to the company and other necessary measures to control the risk; agree to our company in the unit or residence in the interview.

2.2. co borrower / guarantee conditions apply

The common borrower / provide guarantee for the loan customer assurance should at least meet the following conditions:

1.The people's Republic of China (not including citizens and soldiers residents Hong Kong and Macao, Taiwan).

Age 18-60 years of age (2) in the loan application), with full capacity for civil rights and capacity for civil conduct.

3) with a steady paycheck or other sources of income in the local.

4) agree with my company to the relevant departments to verify the information, and use for the relevant laws, regulations and normative documents; to accept our interview in the unit or residence.