1. Application conditions for automobile loan of Jinzhou Bank
(1) The car buyer must be at least 18 years old and have full capacity for civil conduct.
(2) The borrower must have a local permanent residence or valid residence certificate and a fixed residence in the bank.
(3) It is necessary to have a stable income, a proper job and a basic repayment ability.
(4) The car purchased by the borrower must be the brand designated by the bank, and it is best to consult in advance before providing the car purchase agreement or contract.
(5) Some users may need to provide pledge, mortgage or third-party guarantee.
(6) It is necessary to purchase auto insurance according to the requirements of the bank, and the first beneficiary of insurance is Jinzhou Bank.
(7) The co-owners of real estate should recognize their loan and guarantee behaviors and be willing to bear relevant legal responsibilities.
(8) The down payment shall be deposited in the bank or paid to the dealer as required by the bank (supporting documents shall be provided), in which the down payment for applying for car loan shall not be less than 20% of the total price of the car to be purchased, and the down payment for applying for commercial vehicle loan shall not be less than 30% of the total price of the car to be purchased;
(9) The commercial vehicle holds an automobile loan introduction guarantee issued by an automobile dealer recognized by the handling bank.
Second, Jinzhou Bank car loan application process
Car buyers must carry down payment certificates, car purchase agreements or contracts, guarantee materials, personal data of borrowers, credit reports, etc. Go to the bank to handle business.
The bank will have a credit manager to interview the borrower, check the integrity of the information and make an investigation.
After receiving the information, the bank will review it, and when the result comes out, it can sign a car loan contract and repay the loan on time.