Construction Bank China personal auto loan

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  • / Author: Aaron Lewis

1 the loan object: at the age of eighteen years (inclusive) to sixty years (inclusive), the natural person with full capacity for civil conduct;

2 loan amount: the purchase of vehicles for car,LoanAmount of moneyNo more than the purchase of car prices 80%; the purchase of vehicles for commercial vehicles, the loan amount does not exceed the purchase price of the car 70%, among them, commercial vehicle loan amount shall not exceed 60% of the price of the purchase of vehicles;

3 the term of the loan: the purchase of vehicles for the car, the longestAuto loanNot more than 5 years; the purchase of vehicles for commercial vehicles, the loan period of not more than 3 years;

4: Executive in accordance with the construction of China loan bank loan rates;

5 guarantees: personal auto loan, the borrower shall provide some guarantee measures, including insurance guarantee pure vehicle, vehicle mortgage mortgage guarantee agency, the vehicle mortgage + + natural guarantee and mortgage + vehicle performance;

6: the term of the loan repayment within one year, monthly interest can take arbitrary principal method, matching interest repayment, matching principal repayment law, the one-time repayment of principal and interest repayment method; loan period in more than a year, can take the matching principle, matching principal repayment method. The specific way of repayment by the bank and the borrower in the loan contract negotiation and agreement;



1 customer application. Customers to the Construction Bank Chinese apply, written application form, and submit the relevant documents;

The 2 sign a contract. The bank to the borrower to submit application materials, after approval by the investigation, the two sides signed a loan contract, the guarantee contract, as the case for the relevant notarization, mortgage registration procedures;

3 loans. The bank approved loans, complete all formalities, the bank according to the contract of automobile dealers directly into ways to transfer accounts;

4 the repayment schedule. According to the loan contract, the borrower repayment plan, loan principal repayment methods;

5 loan settlement. Loan settlement including normal settlement and early settlement of two. (1): normal settlement in loan maturity (one-time repayment of principal and interest class) or loan last period (amortization class) settlementLoan; (2): settled in advance before the maturity date of a loan, the borrower as early as part or all of the settlement of loans, according to the loan contract agreed in advance, to apply to the bank, approval by the banks to designated accounting counters repayment.

Settle the loan, the borrower should I hold valid identity documents and bankLoanLegal documents by the bank settlement vouchers back in custody and related documents, and the loan settlement vouchers to go through the formalities for deregistration mortgage the mortgage registration department.

(1) "personal loan application";

(2) effective identity documents. Including the resident identity card, residence booklet, military ID, passport, Hong Kong and Macao compatriots of Taiwan exchanges permit etc.. The borrower is married to provide the spouse's identity;

(3) the registration certificate or proof of permanent residence;

(4) personal income proof, when necessary, provide family income or property certificates;

(5) the certificate issued by the intention to purchase a car dealer;

(6) purchase a car the first proof of payment;

(7) to purchase vehicles mortgage manner except for the security of the relevant materials, to provide guarantee;

(8) such as borrowing the purchase of vehicles for commercial vehicles, also need to provide proof of vehicle can be legally purchased for operation, such as the car fleet anchored at agreement, lease agreement.