1. The applicant submits the application materials for auto loan;

2. The handling bank conducts preliminary examination on the application materials submitted by the applicant, and conducts credit investigation and customer evaluation on the applicant;

3, through the preliminary examination and credit investigation, in line with the loan approval conditions;

4. After passing the examination and approval, notify the applicant to handle the relevant procedures such as contract signing, loan, mortgage or pledge; If it fails to pass the examination and approval, it shall explain the reasons to the applicant;

5. After the application contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.

Matters needing attention in handling:

1. The down payment for car purchase cannot be paid by credit card;

2. CCB's credit card purchase fee needs to be paid in one lump sum at the first repayment;

3. If repayment is to be made in installments in advance, the handling fee will not be refunded;

4. Vehicles purchased by credit card in installments must be insured against vehicle theft and vehicle loss, and the insurance period is consistent with the installment period.