Personal car loan process.
I. Application conditions
1, good credit.
The borrower's personal credit report cannot have overdue, bad debts and other non-performing loan records.
2. Stable job and income
Banks attach great importance to borrowers' repayment ability. Having a stable job and income can be said to be the premise of a loan. Only those who are able to repay the principal and interest will be approved by the bank.
3. Age requirements
According to bank regulations, the borrower applying for personal car loan must be between 18-60 years old and have full capacity for civil conduct.
Second, the materials to be provided
1, personal income certificate
Proof of income can prove your repayment ability. The higher the income, the more stable it is, and the greater the success rate of applying for personal car loans.
2. Proof of car purchase intention
If the certificate of intent to purchase a car and the down payment certificate issued by the car dealer are guaranteed by means other than the mortgage of the purchased vehicle, the relevant materials for the guarantee shall be provided.
3. Identification
The original and photocopy of the borrower's valid identity certificate, and if the borrower is married, the spouse's identity certificate is also required.
Three, CCB personal car loan application process
Prepare the application materials, fill in the application information at the bank counter and submit it, and then wait for the bank's approval. After the approval, the bank will let you go to the outlet to sign the loan contract. After all the formalities are completed, the bank will directly transfer it to the car dealer's account by transfer according to the contract.
Four, apply for personal car loans need to pay attention to matters
1. The loan amount and loan term are limited.
The longest loan period of individual car loan is not more than 5 years, and the loan amount is not more than 80% of the car price of the purchased vehicle.
2. The repayment method is related to the loan term.
If the loan term is less than one year, you can take any interest payment, equal principal and interest repayment, equal principal repayment, one-time principal and interest repayment, etc.
If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract;
3. prepayment will be fined.
CCB's personal car loan supports prepayment. There are two ways to prepay, one is partial prepayment and the other is full prepayment. It should be noted that there is a penalty for full repayment in advance.
Xiaoxiao Finance Bian Xiao reminded that it is best to provide more property certificates when applying for personal car loans, which can improve the success rate of car loan applications. In addition, you must remember to repay on time, because the consequences of overdue car loans will be very serious.