1. The car loan applicant is at least 18 years old and can bear full capacity for civil conduct.
2. Have a stable source of income and be able to repay on time.
3. Provide real and valid ID cards, and some car loan institutions may also need to provide goods mortgage.
4. Be able to pay the down payment according to the car purchase contract and obtain the corresponding car purchase contract.
5. The loan applicant also needs to have a good credit record and no other financial overdue information.
6. Other requirements of local policies can be met.
Extended data:
Required information:
1, personal loan application;
2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;
3. Household registration certificate or long-term residence certificate;
4, personal income certificate, provide proof of family income or property when necessary;
5. Certificate of intention to buy a car issued by the car dealer;
6. Loan to buy a car down payment certificate;
7. If the purchased vehicle is secured by other means other than mortgage, the relevant materials of the guarantee shall be provided, including the pledge certificate, the ownership certificate and evaluation certificate of the mortgaged real estate, and the letter of intent for third-party guarantee, etc.
8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the vehicle's affiliation agreement and lease agreement with the transport fleet;
9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by the Construction Bank; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.
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