Conditions for Bank of China personal consumption auto loans:

Borrowers applying for Bank of China personal consumption auto loans must meet the following conditions at the same time:

1. A natural person who is over 18 years old, has full capacity for civil conduct, holds a valid identity document that complies with regulatory requirements, and has a fixed and detailed address;

2. Chinese people who have a fixed residence in China*** Citizens of the People's Republic of China, or residents of Hong Kong, Macao, Taiwan and foreigners who have lived continuously in the territory of the People's Republic of China for more than one year (including one year) and own real estate in the place where the loan is applied for;

< p>3. Have sustained and stable legal income or personal legal assets sufficient to repay the principal and interest of the loan, and have the ability and willingness to repay the principal and interest of the loan on time;

4. The personal credit status is good, and it has good reputation among Bank of China and peers. No bad credit record;

5. Be able to pay the down payment for a car that complies with laws, regulations, regulatory requirements and the limits stipulated in these Measures;

6. Provide an effective guarantee approved by the lender ;

7. The purpose of the loan is clear and legal, and a car purchase contract, agreement or letter of intent to purchase a car recognized by the lender can be provided;

8. A deposit account must be opened at Bank of China before applying for a loan;

9. If entrusted payment is adopted, the borrower must provide valid counterparty account information, etc. For those who meet the conditions for independent payment, personal account information must be submitted;

10. Meet other conditions stipulated by laws, regulations, regulatory provisions and lenders.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GO APP to handle related businesses.