Rural credit cooperativesAuto loans propaganda (for reference only)

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One, the application of automobile consumption loan borrowers must meet the following conditions:

(a) the borrower for personal:

1, at least eighteen years of age, with full civil capacity;

2, a local resident accounts or effective living proof of identity, have a fixed residence;

3Personal assets, have the legitimate right occupation, stable source of income or adequate repayment of principal and interest for loans, credit is good;

4, can offer the property mortgage credit approved, pledge or third party guarantee, the guarantor shall as a lender approved car dealers, and assume joint responsibility;

5Purchase a car, for married couples and families with members, must work together to apply for, the scene was unable to, should fill in the letter of authorization, signed and sealed;

6In this way, can pay the prescribed limit down payment;

7Agreed to the installation of car, built-in positioning system;

8, credit ratingAAIn the above;

9Other conditions provided by the lender.

(two) the borrower for enterprises, institutions with legal person qualification:

1, registered in the local, has the enterprise, Institution Registration Authority issued a license or certificate of legal institutions;

2, good credit, no adverse credit history, income stability is enough to repay the loan principal legitimate assets;

3, opened a deposit account in the credit, is not less than a specified amount. The first purchase a car models;

4 , can provide the credit agency approved property mortgage, pledge or the third party guarantee, the guarantor shall be for the compensatory ability of individuals or units authorized by the lender, and assume joint responsibility;

5Agreed to the installation of car, built-in positioning system

6, credit ratingAAIn the above.

7Other conditions provided by the lender;

Two, the loan period, interest rates and limit:

　　1The private car, car consumption loans for the longest period of not more than5Years (including5Years, the same below), unit of official vehicles and transport vehicles for the longest period of not more than3Years (including3Years).

　 2Implementation of the people's Bank, automobile consumption loans benchmark interest rates and floating according to a certain proportion.

　 3The amount of borrowing, the borrower shall comply with the following provisions:

(1) to purchase vehicles as collateral for loans, the borrower should be raised down payment shall not be less than the purchase a car40%The amount of borrowing, shall not exceed the purchase a car60%(paragraph does not include the purchase a car license fee). 　

(2) to apply for loans pledge, or bank, insurance companies to provide joint liability guarantee, the borrower should be raised down payment shall not be less than the purchase a car20%,The amount of borrowing shall not exceed the purchase a car80%According to the related pledge, operation method, ensure the operation way loan implementation.

Car consumption loans (loans monthly repayment amount20Million as an example)

 

A period of two years	A period of three years	A period of four years	A period of five years
9253Element	6477.88Element	5097.53Element	4275.04Element

 

Three, automobile consumption loan institutions

Provisional * * County Rural Credit Cooperative Credit society * *.

Address:

Four, the automobile consumption loan applicant

Provisional has * * County resident population and registered in * * county within the business unit.

 

Operation five, car consumption loans

 

One, the automobile business requirements:

1Effective assets, have a certain strength5000Million yuan;

2For the guarantee ability, ratings for the,AALevel and above, line of credit3000Million yuan(Mainly to provide loan guarantees and credit ability).

Two, the customer for the purchase of the car to car dealers, car dealers investigation of customer recognition conditions, signed the "purchase a car loan agreement" with the customer, submit the relevant materials to the credit cooperatives, applying for the loan.

Three, the car dealers recognized and have "* *Rural credit cooperative of automobile consumption loan management approach (Trial)"The conditions of the customers submit the following materials to the credit cooperatives:

1Personal auto loan, fill out the "application" and "auto loan application form";

2At the same time, provide the borrower's credit status inquiry consent.

3And their spouses, copy of ID card.

4, residence booklet home page and page copy.

5, a copy of marriage certificate.

6, proof of income confirmation. (and house property certificate copy)

7, the borrower (total) proof of permanent residence.

8The spouse, commissioned by the other party for loans "authorization"

Four, credit investigation before loan.

The Credit Union member two people to the customer residence on-site verification customer ID card, residence booklet, marriage certificate, real estate license the original records, family, social background, customer management etc.. Explain to customers, for the families of auto loans, have families agree, on the spot signed the loan related materials, shooting photographs of the scene, the loan officer signed "reconciled with the original".

Five, credit inquiry customer credit records, agreed to credit investigation, credit review review, reported to the credit union loan review group for approval, the right people signing, reported AP approval.

Agree to six, AP approval, customers, distributors, credit cooperatives three party sign

Set the "auto loan confirmation", customer accounts to auto dealers according to the requirements of the rural credit cooperatives (lending agency) in the first payment. Customer and dealer signed the "entrusted payment authorization form".

Six, car dealers to the credit agency issued a "payment confirmation"

Seven, car dealers to rural credit cooperatives "issued by the recommendation letter of guarantee"

Eight, if necessary with the affiliated company signed a "customer vehicle hang agreement"

Ten, credit unions, dealers and customers to sign "the rural credit cooperatives of automobile consumption loans, mortgage guaranteed loan contract"

Eleven, responsible for car dealers to help customers for mortgage registration, and vehicle insurance (insurance, credit insurance specified by the first beneficiary credit unions, insurance should be complete,(Including motor vehicle damage insurance, third party liability insurance, pilfer, risk of spontaneous combustion, non deductible insurance)(a number of single change plate), the customer paid second years insurance fees and the security deposit.

Twelve, input credit management system (for current account or credit card in the device).

Thirteen, loans (need to deposit second year renewal of insurance deposit, recover print). Credit cooperatives according to the "entrusted payment authorization" loan into the car dealer opened in credit account.