(1) People's Republic of China (PRC) citizens, or Hong Kong, Macao and Taiwan residents and foreigners who have lived in People's Republic of China (PRC) for more than one year (including one year) (Hong Kong, Macao and Taiwan residents and foreigners should also designate a local resident with certain economic strength and good reputation as a contact person);

(2) Age 18 (inclusive) to 60 (inclusive), having full capacity for civil conduct and holding valid identity documents;

(3) Having the household registration certificate or valid residence certificate of the place where the handling bank is located;

(four) the credit record and income level are in line with the relevant provisions of the "Measures for the Administration of Personal Credit Business of Agricultural Bank of China" and have the ability to repay loans on schedule;

(five) the car purchase behavior is true, and it can pay a down payment of not less than the prescribed proportion; For the replacement of personal car loans, all the car purchase money must be paid;

(6) Providing qualified guarantees;

(seven) before the implementation of credit business, open a current deposit settlement account or bank card account in China Agricultural Bank, and be willing to accept the credit supervision and settlement supervision of China Agricultural Bank;

(8) If only the purchased vehicle is used as collateral, the personal credit rating shall be above Grade A (general grade) (inclusive); If portfolio guarantee is adopted, the first-tier branch shall determine the credit rating access standard;

(nine) the replacement of personal car loans must be applied to the bank within six months after the registration of new cars;

(10) Other conditions required by the handling bank.

Personal car loan application materials: 1, valid identity documents of the applicant and spouse.

2. The household registration certificate or valid residence certificate of the place where the handling bank is located.

3. Proof of repayment ability

4. Proof of down payment or bank deposit of not less than the specified proportion; To apply for personal car loan replacement, you need to provide full car purchase invoice and motor vehicle registration certificate.

5. Car purchase contract or agreement

6. Guarantee materials: (1) If a natural person guarantees, provide the guarantor and spouse's valid identity documents, proof of repayment ability and other relevant materials required for personal credit rating; (2) If the guarantee is provided by an automobile dealer or a guarantee company, the guarantor shall provide a written certificate of consent to the guarantee.

7. Other materials specified by the handling bank. Consult the local Agricultural Bank in detail.