Industrial and Commercial Bank of China personal commercial vehicle loans

       ☆ The business of the
Personal commercial loans and commercial bank to the borrower for the purchase of a car, to take profit as personal auto loan.
　　☆ Applicable objects
Personal housing mortgage loan borrowers should be a natural person with full civil capacity, at the age of18(with)--60Zhou Sui (with), the borrower is a good credit record and repayment willing, and able to provide effective security.

　　☆ Characteristics and advantages
　　1 The loan amount, guarantee, flexible repayment;
　　2 Can buy commercial vehicle types, including city taxi, city bus routes, passenger cars, freight cars and construction machinery (bulldozer, excavator, mixers, pumps etc.).

　　☆ The start-up conditions
From my personal commercial vehicle loans need to meet the following conditions:
　　1 Natural person with full civil capacity, at the age of18(with) to60(with) years; resident foreigners and Hong Kong, Macao, and Taiwan as the borrower shall, in the territory of the people's Republic of China and have a fixed residence residence and occupation, and provide a local contact;
　　2 With valid proof of identity, proof of marital status and loan city household registration certificate (or effective proof of residence);
　　3 Have a good credit record and repayment willingness;
　　4 The ability to have a stable source of income and the timely repayment of principal and interest of loans in full;
　　5 Have to pay the first payment to purchase vehicles;
　　6 The single family (including their spouses) not exceeding in the personal commercial vehicle of our bank loans3Pen (closed except);
　　7 With the purchase contract, purchase a car vehicle vehicle insurance contract and the operation and transportation qualification certificates;
　　8 In addition to the taxi outside the city, the purchase of other passenger and freight cars of the borrower, there must be in line with the conditions of the affiliated shipping company, and provide the shipping company all the shareholders or the board of directors commitment signature or seal;
　　9 Can provide the bank loan guarantee;
　　10 Opened personal settlement account in icbc;
　　11 Other conditions prescribed by the bank.
If you plan to apply for personal loans of commercial vehicles, and provide the following information to prepare in advance:
　　1 Personal commercial loan application form;
　　2 Borrowers and their spouses effective identity documents, bank loans at city household registration certificate or valid residency certificate, proof of marital status or unmarried statement;
　　3 Proof of personal income (individual tax certificate, proof of wages and salaries, in my line or he go in6The average financial assets person months proof);
　　4 The relevant certificates issued by the down payment of bank deposit certificates or distributor;
　　5 Purchase a car contract, insurance contract, business contracts and transport companies undertaking;
　　6 Loan guarantees the relevant documents;
The real estate mortgage, real estate mortgage shall provide proof of ownership, if the collateral property for the use of land, should also provide land use warrants. The property owner (including total) agreed to mortgage documents. A mortgage for evaluation, must provide the assessment report.
With the purchase of vehicles the mortgage way, should provide the vehicle certificate and invoice, purchase a car. Such as the purchase of vehicles with people, there are those who agree to submit the written proof of mortgage.
The operating rights pawns the guarantee way, must provide the vehicles operation warrants.
In a professional Guarantee corporation or dealers (manufacturers) to provide joint liability guarantee shall be issued by the commitment, guarantee or surety contract.
Provide performance guarantee insurance in the insurance company, must provide the performance guarantee insurance contract.
　　7 The local authority issued by the administrative departments of business license or of the relevant documents issued by the.
　　8 Opened in ICBC personal settlement account certificate;
　　9 Other materials required by bank.
　　☆ The amount of the loan
Commercial vehicle, the maximum loan amount of arrival (quality) of collateral value70%, but shall not exceed the purchase price of the vehicle70%;  

　　☆ The term of the loan
Commercial vehicle loans up to3Years (inclusive), the freight car loans up to2Years (inclusive).

　　☆ Loan interest rates
Commercial lending rates in accordance with the provisions of the people's Bank of China of the same grade loan rates may downward float.

　　☆ Method of repayment
Personal commercial vehicle loans using monthly matching interest repayment law, the monthly matching repayment of principal Act, by week (weekly, three weeks) and the repayment of principal and interest repayment method"The heart also"Repayment method;
Loan period1Years (including) within the, also can adopt different repayment method (monthly principal and interest, quarterly, half year and monthly interest, principal), due to a one-time repayment of principal repayment.

　　☆ Service channel and time
You can submit a loan application to our bank personal loans center or the local branch of personal credit business department.