ICBC needs to meet some conditions when applying for car loan.
First of all, you must have valid identification and full capacity for civil conduct; Can provide fixed and detailed address proof; Have a stable job and the ability to repay the loan principal and interest on time; Personal credit is good; Holding a car purchase contract or agreement approved by the lender; Other conditions stipulated by the organization.
China Industrial and Commercial Bank auto loan information 1.
Approval form for loan application.
2. My valid ID card and a copy.
3. Original and photocopy of spouse's valid ID card, and written proof of consent to mortgage.
4. Proof of residential address (household registration book or rent and water and electricity receipts for the last three months).
5. Work and income certificate (original and photocopy of work certificate; Payroll passbook, etc.
) .6. Provide proof that the down payment is not less than the specified proportion when buying a car.
7. Proof of loan guarantee; Loan guarantee can be pledge of rights, mortgage guarantee or third-party guarantee.
8. Proof of personal settlement account opened in China Industrial and Commercial Bank.
9. Other information required by the bank.
How to handle the automobile mortgage of China Industrial and Commercial Bank?
Handling process
1. The lending institution receives the information provided by the applicant;
2. Visit the applicant's home, investigate and estimate the vehicle value;
3. The lending institution initially sets the loan amount;
4. Handling entrustment notarization and loan notarization;
5. The lending institution accepts the relevant documents of the applicant;
6. Go through the mortgage registration formalities
7. loans.
Requirements and materials for applying for auto loan service in automobile mortgage:
1. has a stable occupation, and the applicant has the ownership of the local mortgaged vehicle.
2. Proof of long-term residence and work city, occupation and economic income in the place where the business is conducted.
3, motor vehicle registration certificate, driving license, purchase additional tax certificate (this), car purchase invoice.
4. Insurance policy, travel tax, and relevant tax payment certificates for imported vehicles.
5. ID card (temporary residence permit or residence permit within the validity period provided by non-local account customers).
6. Other documents required by the Cooperation Organization.
Extended data:
According to the automobile loan management measures:
Article 22 The amount of loans for self-use cars granted by lenders shall not exceed 80% of the borrower's car purchase price; Commercial vehicle loan amount shall not exceed 70% of the price of the car purchased by the borrower; The second-hand car loan amount shall not exceed 50% of the price of the car purchased by the borrower.
The car price mentioned in the preceding paragraph refers to the lower between the actual transaction price of the car (excluding various surcharges, handling fees and insurance premiums) and the price of the new car announced by the car manufacturer, and the lower between the actual transaction price of the car (excluding various surcharges, handling fees and insurance premiums) and the lender's evaluation price of the used car.
Article 23 A lender shall establish a borrower's credit rating system and carefully determine the borrower's credit rating. For individual borrowers, the credit rating should be determined according to their occupation, income status, repayment ability, credit record and other factors; For dealers and institutional borrowers, the credit rating should be determined according to the information reflected in their credit files, the credit status of senior managers, financial status, credit records and other factors.
Article 24 When granting auto loans, the lender shall require the borrower to provide mortgage or other effective guarantee for the purchased car.
Article 25 The lender shall directly or entrust a designated dealer to accept the application for auto loan, improve the separation system of loan examination, and strengthen the pre-loan examination and post-loan follow-up collection.
Article 26 The lender shall establish a second-hand car market information database and a second-hand car residual value estimation system.
Article 27 The lender shall establish an auto loan classification monitoring system according to the loan amount, regional distribution of loans, financial status of borrowers, brand of automobiles, mortgage guarantee and other factors. , and regularly check and evaluate different types of auto loan risks. According to the inspection and evaluation results, adjust the risk level of various auto loans in time.
Twenty-eighth lenders should establish an early warning monitoring and analysis system for auto loans and formulate early warning standards; After exceeding the early warning standard, measures such as reassessing the loan approval system should be taken.
Article 29 A lender shall establish a system for classifying non-performing loans and a prudent loan loss reserve system, and draw corresponding risk reserves.
Article 30 When granting mortgage loans, the lender shall carefully evaluate the value of the collateral, fully consider the impairment risk of the collateral, and set the upper limit of the mortgage rate.
Article 31 The lender shall timely input the information related to auto loans into the credit registration consulting system, and establish an information exchange system with other lenders.