When applying for automobile mortgage, most borrowers will still choose banks, considering the loan amount and interest rate. Although the threshold for banks to apply for loans is higher than that of some auto financing institutions in the market, the security guarantee is still in place. Share the application conditions and process of ICBC's vehicle mortgage loan.

Conditions and procedures for China Industrial and Commercial Bank to apply for vehicle mortgage loan.

1, ICBC vehicle mortgage loan application conditions

The borrower needs to buy a car at the dealer that ICBC cooperates with; Have a fixed residence in the local area and have full capacity for civil conduct; Have a legitimate occupation and a stable source of income; Have the ability to repay the principal and interest of the loan and a good willingness to repay; There is no bad record in the credit investigation; Being able to provide effective pledged or mortgaged goods recognized by the bank; Open a personal settlement account in China Industrial and Commercial Bank; Other conditions stipulated by China Industrial and Commercial Bank.

2. China Industrial and Commercial Bank automobile mortgage Application Process

First, the borrower needs to go to ICBC to submit an application for automobile mortgage and personal data. Then, according to the requirements of ICBC, the mortgaged vehicle will be driven to the designated evaluation center for evaluation. After the appraisal, the borrower carries the appraisal report and waits for ICBC to review the loan.

After the loan is approved, ICBC will sign a loan contract with the borrower. Then the borrower goes to the vehicle management office to handle mortgage procedures, notarization, etc. After that, the bank will issue a loan, and the borrower can repay the loan on schedule according to the contract.

3. China Industrial and Commercial Bank automobile mortgage application materials

The valid identity documents of the borrower and its spouse, the household registration certificate or valid residence certificate and marital status certificate of the city where the loan bank is located; Bank deposit certificate or relevant certificate of the first payment issued by the distributor; Car purchase contract or agreement; Vehicle insurance contract, vehicle certificate (if the purchased vehicle is a domestic vehicle), inspection sheet of imported motor vehicle and import certificate of goods (if the purchased vehicle is an imported vehicle), purchase invoice, etc.

The above is the related content sharing of "ICBC Vehicle Mortgage Loan Application", and I hope it will help everyone!

How to apply for a mortgage loan from ICBC?

How to apply for ICBC mortgage loan? Automobile mortgage is a loan obtained from a financial institution or an auto loan company with the car of the borrower or a third party or the car purchased by itself as collateral. The following is the information and process needed to apply for ICBC mortgage loan.

China Industrial and Commercial Bank mortgage car loan application materials

1. Original ID card, household registration book or other valid proof of residence, and provide a copy;

2. Proof of occupation and economic income;

3 car purchase agreement, contract or letter of intent signed with the dealer;

4. Other documents required by the Cooperation Organization.

China Industrial and Commercial Bank mortgage car loan application process

1. Customers apply to ICBC, fill in the application form in writing and submit relevant materials at the same time.

2. After the application materials submitted by the borrower are approved by ICBC, the two parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate.

3. After all the formalities for the loan approved by ICBC are completed, ICBC will directly transfer it to the car dealer's account by transfer according to the contract.

Can ICBC handle car mortgage?

You can apply for a car mortgage.

1. China Industrial and Commercial Bank automobile mortgage Application Conditions

1. Buy vehicles from the dealers that ICBC cooperates with.

2. China citizens with permanent residence, local permanent residence or valid residence certificate in People's Republic of China (PRC) and full capacity for civil conduct.

3 have a legitimate occupation, a stable source of income and the ability to repay the principal and interest of the loan on schedule.

4. Abide by laws and regulations, and have no illegal acts and bad credit records.

5. Being able to provide effective rights pledge or bank-approved collateral or a third-party guarantee with compensatory ability.

6. If the loan is between customers, you also need to hold a car purchase agreement or a car purchase contract signed with a special dealer.

7. The bank shall open a personal settlement account in China Industrial and Commercial Bank, and agree to deduct the loan principal and interest from the personal settlement account designated by it.

8. Other conditions stipulated by China Industrial and Commercial Bank.

Two. China Industrial and Commercial Bank handles automobile mortgage 1. First, submit an application for automobile mortgage to ICBC and provide relevant procedures. Then, according to the requirements of ICBC, the mortgaged vehicles are evaluated at the designated evaluation center. 3. Submit the evaluation report to China Industrial and Commercial Bank for review. 4. Sign a contract with the consumer after the bank has passed the examination. 5. Consumers should go through mortgage, notarization and other procedures. After the formalities are completed, ICBC will issue loans to consumers. Three. China Industrial and Commercial Bank Automobile Mortgage Application Materials 1, Personal Automobile Consumption Loan Application Form. 2. The valid identity certificate, household registration certificate or valid residence certificate, marital status certificate or unmarried statement of the city where the lender is located of the borrower and its spouse.

3. Personal income certificate (personal tax payment certificate, salary certificate, average financial assets in the Bank or other banks in the last 6 months). 4. The down payment bank deposit certificate or relevant certificate issued by the distributor. 5. Car purchase contract or agreement.

6. Vehicle insurance contract, vehicle certificate (the purchased car is a domestic car), inspection report of imported motor vehicle and import certificate of goods (the purchased car is an imported car), and purchase invoice. 7. Relevant certification materials of loan guarantee. Proof of personal settlement account opened in China Industrial and Commercial Bank. 9. Other information required by the bank. 2065438+051October 24th, the latest benchmark interest rate of the central bank was released. The interest rate is 4.35% within one year, 4.75% within one to five years and 4.9% after five years. Two. ICBC automobile mortgage interest calculation formula automobile mortgage interest = loan principal × loan interest rate × loan term 5. ICBC auto mortgage loan time If the loan application is successful, the loan can be released within 2 weeks.

How to conduct China Industrial and Commercial Bank automobile mortgage?

Treatment process

1. The lending institution receives the information provided by the applicant;

2. Visit the applicant's home, investigate and estimate the vehicle value;

3. The lending institution initially sets the loan amount;

4. Handling entrustment notarization and loan notarization;

5. The lending institution accepts the relevant documents of the applicant;

6. Go through the mortgage registration formalities

7. loans.

Requirements and materials for applying for car loan service for car mortgage:

1. has a stable occupation, and the applicant has the ownership of the local mortgaged vehicle.

2, living and working in the city for a long time, to carry out business occupation and economic income.

3, motor vehicle registration certificate, driving license, purchase tax additional proof (this), car purchase invoice.

4. Insurance policy, travel tax, and relevant tax payment certificates for imported vehicles.

5. ID card (temporary residence permit or residence permit within the validity period provided by non-local account customers).

6. Other documents required by the Cooperation Organization.

Extended data:

According to the automobile loan management measures:

Article 22 The amount of loans for self-use automobiles issued by lenders shall not exceed 80% of the price of automobiles purchased by borrowers; Commercial vehicle loan amount shall not exceed 70% of the price of the car purchased by the borrower; The second-hand car loan amount shall not exceed 50% of the price of the car purchased by the borrower.

The car price mentioned in the preceding paragraph refers to the lower of the actual transaction price of the car (excluding various surcharges, fees and premiums) and the new car price announced by the automobile production enterprise, and the lower of the actual transaction price of the car (excluding various surcharges, fees and premiums) and the lender's evaluation price of the used car.

Article 23 A lender shall establish a borrower's credit rating system and carefully determine the borrower's credit rating. For individual borrowers, the credit rating should be determined according to their occupation, income status, repayment ability, credit record and other factors; For dealers and institutional borrowers, the credit rating should be determined according to the information reflected in their credit files, the credit status of senior managers, financial status, credit records and other factors.

Article 24 When granting auto loans, the lender shall require the borrower to provide mortgage or other effective guarantee for the purchased car.

Article 25 The lender shall directly or entrust a designated dealer to accept the application for auto loan, improve the separation system of loan examination, and strengthen the pre-loan examination and post-loan follow-up collection.

Article 26 The lender shall establish a second-hand car market information database and a second-hand car residual value evaluation system.

Article 27 The lender shall establish an auto loan classification monitoring system according to the loan amount, regional distribution of loans, financial status of borrowers, auto brand, mortgage guarantee and other factors. , and regularly check and evaluate different types of auto loan risks. According to the inspection and evaluation results, adjust the risk level of various auto loans in time.

Twenty-eighth lenders should establish an early warning monitoring and analysis system for automobile loans and formulate early warning standards; After exceeding the early warning standard, measures such as reassessing the loan approval system should be taken.

Article 29 A lender shall establish a system for classifying non-performing loans and a prudent loan loss reserve system, and draw corresponding risk reserves.

Article 30 When granting mortgage loans, the lender shall carefully evaluate the value of the collateral, fully consider the impairment risk of the collateral, and set the upper limit of the mortgage rate.

Article 31 The lender shall timely input the information related to auto loans into the credit registration consulting system, and establish an information exchange system with other lenders.