Happiness Express" personal car consumption loan☆ Service introduction "Happiness Express" personal car consumption loan is a RMB guaranteed loan issued by our bank to borrowers who apply to purchase cars. It has simple and fast processing procedures and various guarantee forms. , high loan amount. "Happiness Express" loan helps you realize your dream of buying a car and comprehensively improve your quality of life. ☆ Service features ICBC has two loan models for you to choose from: 1. Intermittent loan. Customer style: The borrower purchases a car at a car dealer authorized by ICBC and submits relevant loan application materials. The car dealer will forward the loan application to ICBC. After approval of the loan investigation, the bank will sign a loan contract and a guarantee contract and process it. Notarization and insurance procedures. 2. Direct client type: The borrower directly submits the relevant car loan application materials to ICBC. After the bank approves the loan investigation, the borrower will sign a loan contract and guarantee contract and then go to an ICBC authorized car dealer to purchase. Cars. Car loans are transferred directly from the bank to the car dealer's account. ☆Application conditions: 1. Chinese citizens with a fixed residence in China, local permanent residence or valid residence certificate, and full civil capacity; 2. Have a legitimate career and a stable source of income, and have the ability to repay the principal and interest of the loan on schedule; 3. Abide by laws and regulations, have no illegal activities or bad credit records; 4. Be able to provide valid rights pledges or collateral recognized by the bank or have the ability to compensate A third-party guarantee of ability; 5. If it is an "inter-customer" loan, you must also hold a car purchase agreement or car purchase contract signed with a special dealer; 6. Open a personal settlement account at the Industrial and Commercial Bank of China, and agree to the bank's payment from it The designated personal settlement account will deduct the principal and interest of the loan; 7. Other conditions specified by the bank. ☆Loan amount 1. If guaranteed by pledge, or if the bank or insurance company provides joint liability guarantee, the maximum loan amount can reach 80% of the car purchase price. ; 2. If the purchased vehicle or other property is mortgaged as a guarantee, the maximum loan amount can reach 70% of the car purchase price; 3. If it is guaranteed by a third party (except banks and insurance companies), the maximum loan amount can reach 70% of the car purchase price 60%. ☆The loan period for automobile consumption loans is generally 3 years, and the maximum is 5 years (inclusive). ☆The loan interest rate for automobile consumption loans is calculated according to the loan interest rate for the same period specified by the People's Bank of China. If the interest rate is adjusted during the loan period, If the loan period is less than 1 year (inclusive), it will be calculated according to the contract interest rate; if the loan period is more than 1 year, it will be calculated in stages. Starting from the beginning of the next year, the new interest rate will be implemented according to the corresponding interest rate grade. ☆ Loan applications should be submitted. To apply for a personal car consumer loan from the bank, the borrower needs to submit the following information: 1. Loan application approval form; 2. My valid ID and copy; 3. The original and copy of the spouse’s valid ID and a written consent for the mortgage Proof; 4. Proof of residential address (household registration book or receipts for rent, water, electricity, gas, etc. in the past three months); 5. Proof of occupation and income (original and copy of work certificate; salary passbook issued by the bank, etc.) ; 6. Valid contact information and telephone number; 7. Provide a down payment certificate of no less than the specified proportion; 8. Loan guarantee certification information; Loan guarantee can use rights pledge guarantee, mortgage guarantee or third-party guarantee. If the pledge guarantee method is adopted, the scope of the pledge includes the borrower's or a third party's savings deposit certificate (fold), certificated treasury bonds, and registered financial bonds issued by the Industrial and Commercial Bank of China, and issued by a local commercial bank with a pledge and stop payment guarantee agreement between banks. Savings certificates (folded), etc.; if real estate mortgage guarantee is used, the mortgaged real estate should be a house with free property rights in the name of the borrower or his immediate family members without other pledges, and full property insurance should be obtained. If a third-party guarantee is adopted, a written document of the guarantor's agreement to guarantee, the original and copy of the guarantor's identity document, and relevant credit certification materials, etc., should be provided. 9. Personal settlement account voucher opened at ICBC; 10. Other information specified by the bank. ☆Operation Guide 1. Customer application. The customer applies to the bank, fills in the application form in writing, and submits relevant information; 2. Sign the contract.

After the bank has reviewed and approved the application materials submitted by the borrower, both parties will sign a loan contract and a guarantee contract, and handle relevant notarization and mortgage registration procedures as appropriate; 3. Grant the loan. For loans approved by the bank, after all procedures are completed, the bank will directly transfer the money to the car dealer's account according to the contract; 4. Repay the loan on schedule. The borrower repays the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract; 5. The loan is settled. Loan settlement includes normal settlement and early settlement. ① Normal settlement: The loan is settled on the loan maturity date (one-time principal and interest payment type) or the last installment of the loan (installment type); ② Early settlement: Before the loan maturity date, if the borrower partially or To fully settle the loan, an application must be submitted to the bank in advance as stipulated in the loan contract. After approval by the bank, repayment must be made at the designated accounting counter. After the loan is settled, the borrower should present his or her valid identity document and the loan settlement certificate issued by the bank to receive the legal certificate and relevant supporting documents held by the bank, and go to the original mortgage registration department with the loan settlement certificate to handle the mortgage registration cancellation procedures. . (The above content is for reference only. The specific processing standards are subject to the regulations of the local branch of the Industrial and Commercial Bank of China. To save you time, please consult the local Industrial and Commercial Bank of China in detail before completing the relevant procedures.)