How long can CCB's car loan be approved?
How long does it take for CCB to approve car loans? How to handle the automobile consumption loan of China Construction Bank? With the continuous expansion of the city, many people have to choose to buy a car. However, when buying a car, many people will choose to apply for a bank loan. For a long time, CCB car loan has been a topic of concern to many friends. Then, how long can the CCB car loan be approved? How to handle the automobile consumption loan of China Construction Bank? Next, let's talk about the situation in Bian Xiao.
1. How long does it take for CCB to approve the car loan?
CCB's car loans can generally be issued within one week. However, some friends may take a long time to apply for car loans for various reasons. Bian Xiao is here to introduce some matters needing attention to you. I hope they can help you get a CCB auto loan as soon as possible.
1. Before applying for a loan, you must provide detailed and true personal information as much as possible. Only by letting CCB know our true and comprehensive situation will we approve the car loan for us as soon as possible.
2. Try to reduce liabilities before applying for CCB car loan. Generally speaking, if there are some debts due in the near future, after paying off these loans, try to apply for CCB car loans.
3. Try to avoid applying for CCB car loan before National Day, Spring Festival and other long holidays. It will take everyone more than a week.
Second, how to handle the automobile consumption loan of China Construction Bank
CCB loan process:
1. Apply for a car loan. After the applicant is optimistic about the vehicle to be purchased, he/she needs to fill in the Application Form for Automobile Consumption Loan and the Questionnaire on Credit Status, and submit them to the loan bank together with relevant certificates of personal situation.
2. After receiving the application, the bank will conduct pre-loan investigation and approval.
3. Upon examination, the bank will notify the borrower to fill in various forms, loan contracts, guarantee contracts and mortgage contracts, and handle mortgage registration and insurance procedures.
4. Bank loans.
5. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and car pick-up slip issued by the bank.
How to handle the personal car loan of CCB?
Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also known as auto mortgage. Then, how to handle CCB's personal car loan? Next, let Bian Xiao look at popular science!
I. Basic provisions
1. Loan target: a natural person with full civil capacity aged 18 to 60;
2. Loan amount: if the vehicle is purchased for personal use, the loan amount shall not exceed 80% of the purchase price of the vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the purchase price, of which the commercial vehicle loan amount shall not exceed 60% of the purchase price;
3. Loan term: the purchased vehicle is for personal use, and the loan term shall not exceed 5 years at the longest; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years;
4. Loan interest rate: subject to the loan interest rate of China Construction Bank;
5. Guarantee method: When applying for personal auto loan, the borrower must provide certain guarantee measures, including pure vehicle mortgage, vehicle mortgage+guarantee institution, vehicle mortgage+natural person guarantee and vehicle mortgage+performance guarantee insurance;
6. Repayment method: If the loan term is less than one year, the principal can be repaid at will by monthly interest, equal principal and interest, average principal repayment and one-time principal and interest repayment. If the loan term is more than one year, the repayment method of equal principal and interest and average capital can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract;
7. Application materials to be provided:
(1) Personal loan application;
(2) Personal valid identity documents. Including resident identity cards, household registration books, official documents, passports, passports of Hong Kong, Macao and Taiwan compatriots, etc. If the borrower is married, the identity certificate of the spouse shall be provided;
(3) proof of household registration or long-term residence;
(4) personal income certificate, family income or property certificate when necessary;
(5) Certificate of intention to buy a car issued by the automobile dealer;
(6) proof of down payment for car purchase;
(7) If the purchased vehicle is secured by means other than mortgage, relevant guarantee materials shall be provided;
(8) If the borrowed vehicle is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the affiliation agreement and lease agreement of the vehicles belonging to the transport fleet.
Second, the handling process
1. Customer application. Apply to the bank, fill in the application form in writing, and submit relevant materials at the same time;
2. Sign the contract. After the bank examines the application materials submitted by the borrower, the two parties sign a loan contract and a guarantee contract, and handle relevant notarization and mortgage registration procedures as appropriate;
3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the car dealer's account.
4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;
5. loan settlement. Loan settlement includes normal settlement and early settlement.
① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);
② Early settlement: Before the loan expires, if the borrower settles part or all of the loan in advance, he must apply to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after being approved by the bank.
After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents held by the bank with his valid ID card and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate. How long can CCB's car loan be approved? How to handle CCB's personal car loan @20 19