With the change of people's consumption concept, many people began to achieve their consumption goals ahead of schedule through loans. A friend asked about the car loan of China Construction Bank. Today, I will introduce the auto loan products of China Construction Bank to you.

Personal car loan

CCB's personal car loan requires everyone to make a down payment of 20%, and the loan period cannot exceed 5 years. The materials required for the application are: (1) Fill in a complete personal loan application form; (2) Personal valid identity documents, including resident identity cards, household registration books, military officers' cards, etc. (3) personal income certificate; (4) proof of down payment for car purchase; (5) car purchase contract, etc.

Personal consumption loan

Everyone can also meet the demand for car purchase through personal consumption loans. The personal consumption loan of CCB can provide you with a loan of no more than 2 million yuan, and the longest term is no more than five years. The repayment methods of this product are flexible and diverse, including equal principal and interest method, average capital method, arbitrary principal repayment method with interest paid on schedule, and one-time principal repayment method at maturity.

"Quick Loan" of China Construction Bank

If you are eager to borrow money to buy a car, and the loan amount is not very large, you can also try CCB's "quick loan". This product is a full-process online self-service loan with a maximum amount of 300,000 yuan and a term of 1 year. You can go through the smart teller machine, mobile banking and online banking of China Construction Bank.

These are all products that China Construction Bank can use to borrow money to buy a car. Generally speaking, CCB's "quick loan" is the most convenient and easy to apply for, but it is only suitable for local tyrants because of its short term and high interest rate. Personal car loan is most suitable for ordinary wage earners and is everyone's first choice.