Loan elements - CITIC Bank for auto loans Guide - China CITIC Bank to apply for loans, car loans guide, varieties, amount, term, interest rate / rate (price), security, use, settlement, constraint conditions
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As the housing market tightening, more banks to car loans direction - CITIC Bank car loan guide, CITIC Bank launched CITIC express series is for the use of car loans consumer well-designed convenient, fast, comprehensive financial products and services.

A CITIC express series, management requirement

The loan applicant is aged 18 years old, natural person with full civil capacity, and also have the following conditions:

A local resident accounts;

A stable occupation and income;

Good credit, have the ability to repay the principal and interest;

The contract has been signed the purchase a car;

Has been paid to the dealer or deposited in the bank payment;

Provide the bank guarantee;

Other conditions prescribed by the bank.

Two, car loan amount, duration and interest rates

The loan amount can not exceed the net value of car 50 � �, to do real estate mortgage, not more than housing assessment of the 60 � �. The loan period of not more than 3 years, lending rates by the central bank's benchmark interest rate shall prevail.

Three, the loan program

The loan applicant signed the "contract" purchase a car and car dealers, according to our requirement to fill out the loan application form and submit the related materials;

Our agency personnel or entrust lawyers submitted by the loan applicant material review and credit investigation;

I for approval, notify the applicant and the results;

The loan applicant shall complete the formalities for insurance, mortgage registration;

Our bank loans, the borrower in the loan contract servicing.

Four, the materials to be submitted

Proof of identity (including the ID card, account of this or temporary residence permit), proof of income, proof of marriage, the family property certificates, purchase a car contract, the first proof of payment, invoice, purchase a car vehicle purchase a car tax certificate, motor vehicle registration certificate, vehicle insurance.

The basic provisions of the loan

Loans: at least eighteen years of age to sixty years of age with full civil capacity of China citizens.

Loan amount: the borrower to provide the Construction Bank approved collateral, pledge, guarantee of the third party or with certain credit qualifications, the bank approved the corresponding amount of collateral, collateral lines, or lines of credit that amount. Pledge amount does not exceed the nominal value of the pledge of rights certificate provided by the borrower's 90 � �; collateral does not exceed the amount of the value of collateral assessment 70 � � �; credit and guarantee according to the borrower's credit rating to determine the amount of.

Security: the Construction Bank approved collateral, pledge, guarantee of the third party or credit way.

The need to provide the application materials:

(1) borrowers guaranteed amount required to ensure the written consent of the guarantee.

(2) ensure the credit of documents.

(3) mortgage sector society recognized assessment issued by the evaluation.

(4) other documents and data of the Construction Bank of china.

(5) the valid identity certificate and a copy of the original.

(6) proof material local resident accounts or valid residency.

(7) units issued by the borrower, the borrower's income certificate issued by the tax bill, insurance.

(8) the borrower to obtain mortgage, mortgage amount required to pledge, mortgage bill of material and management authority documents ownership and property there were written consent of the pledge, mortgage.

(9) borrowers also need to provide the company site hydropower property payment documents and personal address hydropower property fee.