Conditions for Changsha Bank to apply for auto loan:
(1) The applicant is under 60 years old at the maturity date of the auto loan and has full capacity for civil conduct;
(2) Having a fixed residence in Changsha (including Changsha, Wangwang and Liu Ning);
(3) Have a stable job and income;
(4) Need a guarantee company to guarantee;
Reminder: The borrower of Changsha Bank's automobile consumption loan needs to use the automobile mortgage plus the guarantee of the guarantee company.
Process of Changsha Bank's application for auto loan:
(1) The borrower needs to apply for an automobile consumption loan from Changsha Bank or guarantee company;
(2) The borrower submits various application materials, and the guarantee company investigates the borrower's situation;
(3) After the borrower has passed the audit of the guarantee company, he applies for a loan from the branch of Changsha Bank;
(4) The handling bank of Changsha Bank conducts a comprehensive audit of the borrower;
(5) After the borrower has passed the examination and approval, it will sign a loan contract and a guarantee contract and issue loans;
(6) The borrower picks up the car and repays the interest on schedule.
Reminder: After successfully applying for a loan to buy a car, you must remember to repay it on time to avoid overdue personal credit information and affect the next loan application.