The non-performing loan (Non-Performing Loan) , non-performing loans also refers to the non normal loans or loan refers to the borrower fails to repay the original loan agreement of commercial bank loan interest, or there are signs that the borrower may not according to the original loan agreement on the repayment of commercial bank loan interest and the formation of.

Personal auto loan refers to the bank to the borrower for the purchase of car of personal loans.

Product features

To alleviate the resulting from the pressure of funds to buy cars;

Flexible repayment, with their cash flow
.

The loan application conditions

A natural person with full capacity for civil conduct;

With the lending bank where the town resident accounts or valid residency;

With the lending bank where the town resident accounts or valid residency;

Have signed the purchase agreement or contract of automobile

, and pay the first payment of not less than 30 purchase a car � � payment;

Can provide guarantees acceptable to the lender.

To provide information:

The valid identity certificate and proof of residence, proof of marital status, proof of personal income;

Confirm the consumption behavior of the corresponding data or files (such as sales contract);

The first payment receipt or invoice;

Automobile consumption loan application form (you can obtain from the side of the ICBC business office);

Other materials required by the bank.

Loan amount

The maximum loan amount for the car value 70 � - Shanghai Pudong Development Bank personal car loan policy, and the maximum loan amount is not more than 500000 yuan - Shanghai Pudong Development Bank personal auto loan policy.

The credit period:

The length of not more than 5 years - the Shanghai Pudong Development Bank personal auto loan policy.

The bidding process:

Apply for approval -- -- -- the bank signed the contract should be completed (notarization, mortgage loans) -- -- Customer repayment

From the structure of the loans, new loans in June, bill financing and short-term loans to rise again, long-term loans accounted for more than the last 34 � � � fell to 30.7 � �, shows that the financial sector to support the "steady growth" project to increase the intensity of the effect has not been fully play. June social financing scale for 1.78 yuan, an increase over May 638100000000 yuan; in addition to the loan growth significantly, enterprise bonds financing, additional 195200000000 yuan, for second consecutive months of growth by more than 50000000000 yuan, the bond market has become an important force in the expansion of liquidity loose.