With the popularity of private cars, people gradually realize the important role of cars in life. Although the car sales price has dropped in recent years, many discounts can be enjoyed, but some people are still short of money. Many friends will choose a loan to buy a car. Today, Bian Xiao will introduce the interest rate of CCB's auto loan to you.

Project annual interest rate%

I. Short-term loans

Within one year (including one year) 4.35

Two. medium and long term loans

One to five years (including five years) 4.75

More than five years 4.90

Personal car loan

(1) Product Description: Personal car loans refer to loans granted to individual customers to buy cars.

(2) Basic provisions:

1. Loan target: a natural person with full civil capacity aged 18 to 60;

2. Loan amount: if the vehicle is purchased for personal use, the loan amount shall not exceed 80% of the net price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 60% of the net price of the purchased vehicle (opened in some areas).

3. Loan term: the longest loan term shall not exceed 5 years;

4. Loan interest rate: subject to the loan interest rate of China Construction Bank;

5. Guarantee method: When applying for personal car loan, the borrower must provide certain guarantee measures, including vehicle mortgage, vehicle mortgage+third party guarantee, etc.

6. Repayment method: If the loan term is less than one year, the principal can be repaid at will by monthly interest, equal principal and interest, average principal repayment and one-time principal and interest repayment. If the loan term is more than one year, the repayment method of equal principal and interest and average capital can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract;

7. Application materials to be provided:

(1) Original and photocopy of the borrower's valid identity certificate. If the borrower is married, the identity certificate of the spouse shall be provided;

(2) local permanent residence or valid residence identity certificate;

(3) personal income certificate, family income or property certificate when necessary;

(4) Certificate of intention to buy a car issued by the automobile dealer;

(5) proof of down payment for car purchase;

(6) If the purchased vehicle is secured by means other than mortgage, relevant guarantee materials shall be provided;

(seven) other documents and materials stipulated by China Construction Bank.

Million car purchase subsidy