1 has full capacity for civil conduct;

2. Have permanent residence and valid residence status in the above areas;

3. The lender must have a fixed unit occupation and a long-term stable income;

4. The lender has no bad criminal record and bad loan credit record, and its social credit is good;

5. The lender is under 22 -55 years old, and the female is under 50 years old. Unmarried, it is required to provide an irrevocable joint guarantee from a third party (the third party guarantor has the same requirements as the lender);

6. The lender must have a commercial house or self-built property in the designated area of Hangzhou Commercial Bank. If the lender has no real estate, it is required to provide an irrevocable third-party joint liability guarantee (the third-party guarantor has the same requirements as the borrower);

7. If there is real estate in urban hukou or divorce, the property right belongs to the lender himself. If you have a fixed occupation and a stable income, you may be 30-55 years old, and the real estate license may not be mortgaged;

8. Urban hukou, unmarried real estate, can find working parents under the age of 55, people with real estate and stable income as guarantees;

9. Urban hukou, unmarried, divorced and without real estate, can find parents with jobs, people with real estate and stable income as guarantees. Or find a person with real estate and stable income in the urban hukou as a guarantee;

65438+

1 1. Suburban hukou, the land use certificate belongs to parents, but there is an enterprise, so there is no need to find a third party guarantee with real estate, but there is an enterprise guarantee (the tax payment certificate for the first three months is required). The registered capital of the enterprise is more than 500,000;

12. If the company provides the company's business license, code certificate, tax registration certificate, legal person ID card, capital verification report, articles of association, financial statements for the latest and above years, tax payment certificate for three months, and resolutions of the board of directors or shareholders' meeting (mainly based on bank loan requirements).

Materials to be submitted for loan to buy a car:

1. Personal and spouse ID cards;

2. Personal and spouse's household registration book;

3. Marriage certificate;

4. proof of income of myself and my spouse;

5. Real estate license;

6. driver's license;

7. Details of the bank statement under the name of the individual;

Note: Unmarried people do not need to provide spouse materials and marriage certificates, while divorced people need to provide divorce certificates or divorce agreements.

The process of buying a car with a loan:

1. The borrower submits the application materials;

2. The handling bank conducts preliminary examination on the application materials submitted by the borrower, and conducts credit investigation and customer evaluation on the borrower;

3 through the preliminary examination and credit investigation, examination and approval of loan applications that meet the loan conditions;

4. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower;

5. After the loan contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.