1. The car buyer must be at least 18 years old and a citizen with full capacity for civil conduct.

2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on time.

3. Hold the car purchase agreement and contract signed with the dealer.

4. Take assets recognized by banks as collateral or pledge, or take units or individuals with sufficient compensation capacity as guarantors. If the personal account of the car buyer is not local, it should also provide joint liability guarantee. The bank does not accept the mortgage set by the car buyer on the car purchased by the loan.

5. During the loan application period, the car buyer shall deposit no less than the down payment stipulated by the bank in the account of the bank savings counter.

6. Car buyers are willing to accept other conditions that the bank deems necessary.