The object of personal car loan:/kloc-citizens over 0/8 years old with full capacity for civil conduct; Have legal identity documents, local permanent residence or valid residence certificates. Necessary conditions for applying for personal car loan: the borrower must have a stable professional income or assets that are easy to realize, enough to repay the loan principal and interest on schedule; The lender's own funds are sufficient to pay the down payment for car purchase stipulated by the Construction Bank; The lender must provide a guarantee recognized by the bank; The lender is willing to accept other conditions deemed necessary by the bank. Term and interest rate of personal car loan: the term of personal car loan varies according to the credit status of customers and the purpose of purchased vehicles. Among them, the purchased vehicles are used for rental operation, car rental and transportation operation, with a maximum period of 5 years and a maximum period of 3 years for freight transportation. The loan interest rate shall be subject to the loan interest rate stipulated by the People's Bank of China for the same period, and shall be allowed to fluctuate according to the regulations of the People's Bank of China. Personal auto loan amount: Customers who have reached Grade A or above according to the bank's personal credit evaluation method can apply for auto loans with the purchased vehicles as collateral, and the maximum loan amount is 80% of the sales amount of the purchased vehicles. If the borrower pledges with government bonds, financial bonds, national key construction bonds and personal certificates of deposit issued by banks, the maximum loan amount shall be 90% of the value of the pledge certificate. If the borrower takes the house, other things fixed on the ground or the legally obtained state-owned land use right as collateral, the maximum loan amount is 70% of the assessed value of the collateral. If the insurance company provides installment repayment guarantee insurance, the maximum loan amount is 80% of the car sales amount; The maximum loan amount for purchasing a re-traded vehicle is 70% of its appraised value. Where a third party joint liability guarantee is provided (except banks and insurance companies), a loan amount is set for the borrower (or guarantor) according to the personal credit evaluation method of the bank, and the maximum loan amount is 80% of the automobile sales amount; If you buy a re-traded vehicle, the maximum loan amount is 70% of its appraised value. Procedures for handling automobile consumption loans: customers can choose two modes: one is to select the car to be purchased at the bank's special dealer, sign a car purchase contract or agreement with the dealer, and then apply for a loan through the dealer; Second, customers apply for loans directly at bank outlets. After the guarantee procedures are implemented, customers can choose dealers to buy their own satisfactory vehicles. Necessary materials for applying for a loan: loan application, valid identity documents, occupation and income certificates, basic family information, certificates or documents required for guarantee, car purchase contract or agreement and other conditions required by the lender when applying for a loan through a dealer. If the borrower takes the purchased vehicle as collateral, its insurance policy, car purchase invoice and other documents shall be kept by the bank during the loan period. During the contract period, the bank has the right to supervise the borrower's income and collateral, and supervise the guarantor's reputation and compensatory ability, and the borrower and guarantor should provide assistance.