1. A natural person with full capacity for civil conduct, aged between 18 and 60 years old. And foreigners, Hong Kong, Macao and Taiwan residents, who are borrowers, should have lived in People's Republic of China (PRC) continuously for 1 year and have a fixed residence and occupation, and provide local contact information;

2. Valid identity certificate, household registration certificate or valid residence certificate, marital status certificate or unmarried statement of the city where the loan bank is located;

3. Have a good credit record and willingness to repay;

4. Have a stable legal income source and the ability to repay the principal and interest of the loan in full and on time;

5. Being able to provide effective rights pledge or collateral recognized by the Bank or a third-party guarantee with compensatory capacity;

6. Being able to pay the down payment of the purchased vehicle at no less than the specified proportion;

7. If it is an indirect loan, you need to hold a car purchase agreement or a car purchase contract signed with a special dealer;

8. The borrower's single family (including spouse) has no more than three personal automobile consumption loans in ICBC (except those that have been settled);

9. Open a personal settlement account in China Industrial and Commercial Bank;

10. Other conditions stipulated by the bank.

Applied materials

1. Valid identity documents of the borrower and its spouse, household registration certificate or valid residence certificate of the city where the loan bank is located, marital status certificate or unmarried statement;

2. Personal income certificate (personal tax payment certificate, salary certificate, average financial assets in ICBC or other banks in the last 6 months);

3. The down payment bank deposit certificate or relevant certificate issued by the dealer;

4. Car purchase contract or car purchase agreement;

5. Vehicle insurance contract, vehicle certificate (if the purchased vehicle is made in China), on-board inspection list of imported motor vehicles, import certificate of goods (if the purchased vehicle is imported), and purchase invoice;

6. Proof materials related to loan guarantee;

7. Proof of personal settlement account opened in China Industrial and Commercial Bank;

8. Other information required by the bank.

Million car purchase subsidy