What are the requirements for a CITIC Bank car loan?
Many people think that CITIC Bank’s car loan consumption plan is more flexible and user-friendly than other banks’ car loans. First, let me introduce what are the conditions for a CITIC Bank car loan? 1. Loan conditions The borrower is a natural person who is over 18 years old and has full capacity for civil conduct, and meets the following conditions: 1. Has a local permanent residence; 2.
What are the requirements for a CITIC Bank car loan?
Many people think that China CITIC Bank’s car loan consumption plan is more flexible and user-friendly than other banks’ car loans. First, let me introduce what are the conditions for a CITIC Bank car loan?
1. Loan conditions
The borrower must be a natural person who is over 18 years old and has full capacity for civil conduct, and meets the following conditions:
1. Have permanent residence in the local area Hukou;
2. Have a stable career and income;
3. Have good personal credit and the ability to repay principal and interest on time;
4. Already Sign a car purchase contract;
5. The down payment has been paid to the dealer or deposited in the bank;
6. Provide a guarantee recognized by the bank;
7. Bank Other conditions specified.
2. Loan process:
1. The loan applicant signs a "Car Purchase Contract" with the car dealer, fills out the loan application form and submits relevant materials in accordance with the bank's requirements;
2. The bank or the entrusted law firm personnel will review the materials submitted by the loan applicant and conduct a credit investigation;
3. The bank will approve and notify the borrower of the approval result;
4. The borrower should go through insurance and mortgage registration procedures;
5. Our bank issues loans, and the borrower repays principal and interest according to the loan contract.
CITIC Bank launches "Kuai Car Loan"
Owning a private car has become a common thing in people's lives, and more and more consumers will choose bank loans to buy cars. CITIC has been adhering to many years of experience in handling personal car loans, innovatively developed the "car dealer platform" system for personal car loans, and launched the "Quick Loan" product. It is understood that the core competitive advantage of this product lies in "speed", which is a breakthrough in the traditional personal car loan business process.
The establishment of the "Car Dealer Platform" has made the cooperation between banks and dealers more flexible and closer. Consumers can choose to apply for car purchases and loans at dealers that cooperate with CITIC Bank. The loan application is directly transmitted to the bank's business processing system through the Internet, and is approved by the bank, which greatly simplifies the process of consumers' car purchase application. In addition, the loan approval status can be checked at the dealer through the Internet, making it convenient for consumers to go through the procedures for picking up the car and obtaining the certificate in a timely manner.
Relevant people from China CITIC Bank said that the “auto dealer platform” has greatly improved the efficiency of business processing. Customers can complete all procedures for car licenses from loan application to insurance within one working day at the earliest, and banks can complete all work from accepting business to disbursing funds to dealers within five working days. What are the requirements for a CITIC Bank car loan? CITIC Bank launches "Kuai Car Loan" @2019
Can BYD loan be loaned by CITIC Bank?
Yes. China CITIC Bank has launched a loan business for car buyers. Whether you are buying a new car or a second-hand car, you can choose to get a loan from CITIC Bank. CITIC Bank can provide BYD loans. Among them, the maximum term of a new car loan is 5 years, and the maximum term of a used car loan is 3 years. The used age plus the loan term shall not exceed 6 years.
What is the CITIC Bank car loan process?
Car loans refer to loans granted by lenders to borrowers who apply to buy a car, also known as car mortgage loans. The borrower must be a permanent resident of the location of the lending bank and have full civil capacity. The CITIC Express series is a loan related to car purchases launched by CITIC Bank. It is a convenient, fast and comprehensive financial product and service specially designed for car buyers.
So, what is the car loan process of China CITIC Bank?
1. China CITIC Bank car loan process
1. The borrower signs a "Car Purchase Contract" with the car dealer, fills out the loan application form and submits relevant materials in accordance with CITIC Bank's requirements;
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2. The bank manager or a law firm entrusts a law firm to review the materials submitted by the loan applicant and conduct a credit investigation;
3. The bank approves and notifies the borrower of the approval results;
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4. The borrower should go through insurance and mortgage registration procedures;
5. When the bank issues a loan, the borrower should repay the principal and interest as stipulated in the loan contract.
2. Materials to be submitted
Proof of identity (including ID card, household register or temporary residence permit), income certificate, marriage certificate, family property certificate, car purchase contract, down payment certificate, Car purchase invoice, vehicle purchase surcharge certificate, motor vehicle registration certificate, vehicle insurance policy, etc.
3. Loan conditions
The borrower must be a natural person who is over 18 years old and has full capacity for civil conduct, and meets the following conditions:
1. Have permanent residence in the local area Hukou;
2. Have a stable career and income;
3. Have good personal credit and the ability to repay principal and interest on time;
4. Already Sign a car purchase contract;
5. The down payment has been paid to the dealer or deposited in the bank;
6. Provide a guarantee recognized by the bank;
7. Bank Other conditions specified.
Are there any discounts for car purchases with CITIC Bank credit cards?
Yes.
1. Apart from paying part of the handling fee, purchasing a car with a CITIC Bank credit card installment loan is completely the same as purchasing a car with cash. We can understand from dealer preferential activities that a cash discount of XX million is often mentioned for the entire series. This cash discount is only applicable to car buyers who make a one-time payment. Installment purchase with a CITIC Bank credit card is the same as a one-time payment. Whether it is a discount or a gift from the dealer when purchasing a car, you are entitled to it.
2. Moreover, most credit card banks have credit card points activities. After purchasing a car and swiping the card, you can also exchange the corresponding point gifts at the bank, which can be said to kill two birds with one stone.
Can I apply for a car loan with a CITIC Bank credit card?
1. You can get a loan as long as you meet the loan conditions. Application conditions:
(1) The car buyer must be over 18 years old and a Chinese citizen with full capacity for civil conduct.
(2) Car buyers must have a relatively stable career and relatively stable economic income or have assets that are easily liquidated, so that they can repay the loan principal and interest on schedule. The easily liquidated assets here generally refer to securities, gold and silver products, etc.
(3) During the loan application period, the car buyer deposits the down payment for the car purchase lower than the bank's regulations in the account of the handling bank's savings counter.
(4) Provide the bank with a guarantee recognized by the bank. If the car buyer's personal account is not local, a joint liability guarantee should also be provided. The bank will not accept the mortgage set by the car buyer for the vehicle purchased with a loan.
(5) The car buyer is willing to accept other conditions deemed necessary by the bank.
2. Provide information
1. Personal loan application form;
2. Valid identity certificate for yourself and your spouse;
3. Proof of occupation, position and income of myself and my spouse;
4. Marriage certificate (if you are unmarried, you must provide proof of unmarried status, except those who have not reached the legal marriage age) and household register;
5. Identity Original certificate, household registration booklet or other valid residence certificate, and provide a copy thereof;
6. Car purchase agreement, contract or letter of intent to purchase a car signed with the dealer;
7. Already deposited Proof of deposit or down payment;
8. Supporting documents or materials required for guarantee;
9. Other documents required by the cooperative agency.
Extended information
The specific steps for buying a car with a CITIC Bank credit card loan are as follows:
1. The loan applicant selects a car model and then needs to go to CITIC Bank to fill out a car A consumer loan application form, a credit status survey form, and your personal income certification materials are also required;
2. After the bank passes the preliminary review, it will collect the materials and verify the relevant information;
3. After passing the review, notify the lender to sign a loan contract, guarantee contract and mortgage contract with the borrower, and handle mortgage registration, insurance and other procedures at the same time;
4. The borrower pays the down payment for the car and handles the car purchase process. Registration procedures and vehicle mortgage procedures.