Application conditions: you can apply if you have a valid ID card, a fixed workplace, a fixed occupation, a stable income, repayment ability and no bad record, and full capacity for civil conduct.
Application steps: the applicant first chooses the car purchase price and asks whether the bank has a loan and what is the loan amount. After the bank approves the personal information, it will give the individual a certain amount, and the car buyer can decide for himself after signing the car purchase agreement.
Timely issuance of loans
2. What are the procedures for Bank of Communications loan?
Spread out completely
Original and photocopy of the borrower's valid identity certificate.
Proof of marital status.
Loan use plan or statement.
Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit.
Pledge, list of mortgaged property and ownership certificate, and written documents of the owner and property co-owner agreeing to pledge and mortgage.
A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.
Credit certification materials of the guarantor.
Collateral appraisal report issued by the appraisal department recognized by the society.
3. What are the conditions for Bank of Communications' tobacco loan?
The tobacco loan of Bank of Communications requires a tobacco license and a physical store, with an operating period of more than 2 years (including 2 years). Married, aged between 25 and 60,
Information required for application:
1, the original and photocopy of my ID card, the original and photocopy of my business license that has passed the annual inspection, and the property right certificate or lease contract of the business premises.
2. Married applicants also need to provide the original and photocopy of their spouse's ID card and the original and photocopy of their marital status certificate (marriage certificate or household registration book jointly registered by husband and wife).
3, engaged in franchising, should also provide the original and copy of the business license of the relevant administrative departments.
4. Where other natural persons (or legal persons) provide guarantees for loan applicants, the guarantor shall be audited (or recognized) by the bank and provide relevant certification materials as required by the bank.
5. Other materials required for handling loans.
4. What conditions and information does Bank of Communications need to apply for personal car loan?
Many friends will want to buy a car, but considering various problems, many friends will want to apply for a loan to buy a car, so as to maximize the rational use of funds. Then, let's introduce the conditions and required materials for applying for personal automobile consumption loan from Bank of Communications. Requirements for applying for personal automobile consumption loan from Bank of Communications: (1) The applicant has a stable job and income; (2) Good credit record; (3) The consumer loan applied for is used to buy a car for personal use; Proof materials required for applying for personal automobile consumption loan of Bank of Communications: (1) valid identity certificate of the applicant; (2) If the applicant is married, a marriage certificate is required; If the applicant is unmarried, a declaration of unmarried is required; (3) Detailed bank statements of the applicant in the last three months; (4) proof of the applicant's income; (5) Car purchase contract and proof of car purchase down payment; (6) Other information required by Bank of Communications: I think the best way to apply for auto consumption loan is to combine the actual situation of the borrower, and then make a comprehensive analysis to choose the loan method that suits you, so as to avoid excessively affecting the quality of life of the borrower.