Term and interest rate of personal car loan:

(1) According to the credit status of customers and the purpose of purchased vehicles, the term of personal car loans is different.

(2) Among them, if the purchased vehicle is used for rental operation, car rental and transportation operation, the longest period is 5 years, and the longest period for goods transportation is 3 years. The loan interest rate shall be implemented according to the loan interest rate for the same period stipulated by the People's Bank of China, and shall be allowed to fluctuate according to the regulations of the People's Bank of China.

2. Procedures for handling automobile consumption loans:

(1) 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;

(2) The customer directly applies for a loan from a bank outlet. After fulfilling the guarantee procedures, the customer can choose a dealer to buy a car that he is satisfied with.