One, the lender conditions

 1, age: 18--55 years old (now age plus the loan period)

 2, the household registration: A, Beijing City Urban Households (including Beijing green card)

          Hukou is non B, Beijing city (the city property or share)

           C, the field of urban household: in the city housing property certificate and effective proof of residence

  3, number of loans: loans personal auto loan shall not exceed 2 times (including this one)

Two, the loan vehicles

  Model: A, seven (including) the following cars and to assess the price of not less than 80000 yuan

         B, no more than 8 years (including) the use of time and mileage of not more than 200000 kilometers

Three, trading vehicle evaluation

   1, designated Beijing used car appraisal Limited assessment report (original)

    2, the assessment report is valid for acceptance before the 5 working days for the effective

   3, assessment of the price and the actual trading lattices with lower as loan basis

Four, vehicle insurance

   1, the loan must be re insured vehicles (commercial insurance and compulsory insurance)

   2, insurance requirements: car damage, theft, commercial three, non deductible, cross strong insurance

   3, the first beneficiary: insurance Bank of Communications Ltd Beijing branch in Fengtai

   4, the insurance company: insurance, Pacific

The interest rate of five, the loan amount, loan period, the banks

   1, Shoufu ratio: the maximum loan amount of 50%

   2, the loan period: 1--3

   3, the loan amount: 4--30 yuan

   4, the central bank lending rates: the same grade benchmark interest rate

      The term of the loan       Monthly interest rate (%)          The annual interest rate (%)

        Year           4.425                 5.31

        Two years            4.5                  5.4

        Three years            4.5                  5.4

Six, the basic application materials

   1, and their spouses identity card, residence booklet

   2, our proof of income (I month income not term repayment 2.5 times the need to provide proof of income, spouse)

   3, my proof of residence (including real estate certificate)

   4, I 1 inch photos 2

   5, the driving license

   6 evaluation reports, vehicle (middle assessment company)