Terms of auto loan of Ping An Bank
Ping An Bank's auto loans are divided into new car loans, used car loans and car surcharge loans. Car purchase surcharge loan refers to the loan applied for when buying a new car or a used car, which is used to pay the related extra expenses incurred when buying a car. Its uses include purchase tax, vehicle insurance, vehicle decoration and so on. Among them, the application conditions for new car loans and car surcharge loans are the same, which will be introduced one by one below.
New car loan conditions and car surcharge loan application conditions
1. If the borrower is over 18 years old and the borrower's age+loan period is under 70 years old, he must have full capacity for civil conduct;
2. Can provide legal and valid identity documents;
3. No personal bad credit record;
4. Personal legal assets with stable legal income or sufficient to repay the loan principal and interest.
Used car loan conditions
1. If the borrower is over 18 years old and the borrower's age+loan period is under 70 years old, he must have full capacity for civil conduct;
2. Personal legal assets with stable legal income or sufficient to repay the loan principal and interest;
3. The service life of the vehicle purchased by the applicant shall not exceed 5 years (subject to the date of first registration) and the mileage shall not exceed 654.38+10,000 kilometers;
4. The recognized value of the vehicle is more than 80,000 (inclusive).
How much is the car loan interest of Ping An Bank?
The car loan interest of Ping An Bank shall be implemented in accordance with the relevant provisions of the People's Bank of China and adjusted according to the loan term. It is understood that the annual interest rate of this loan is 4.35% in 1 year, 4.75% in 1 to 5 years, and 4.9% in more than 5 years. Specifically, the information published by the bank in real time shall prevail.