The use of personal car loan of China Everbright Bank includes the purchase of new cars, used cars, vehicle mortgage consumption and car rental consumption. The maximum amount of mortgage consumer loans does not exceed 300,000 yuan, and the longest loan period does not exceed 5 years. The application conditions include age 22-65, good personal credit record, and a stable job and income source.
Postal Savings Bank has a minimum loan of 1 1,000 for personal cars and a maximum loan of 1 1,500,000 for second-hand cars, with a maximum loan period of 5 years. The application requirements include age 18-60, and continuous residence in China for one year or more.
The personal car loan of CITIC Bank can be used to buy first-hand cars, used cars and additional products and services of vehicles. The maximum loan for a new car is 80%, the maximum loan for a used car is 70%, the minimum loan amount is 50,000 yuan, and the longest loan period does not exceed 5 years. No more than 30,000 used cars. Please consult the bank for specific handling conditions.
The personal car loan of Guangfa Bank supports the purchase of new car loans and used car mortgage loans. The minimum amount of second-hand car mortgage loan is 40,000, the maximum is 6,543.8+0.5 million, and the longest loan period does not exceed 50,000. The application conditions include age 18-65, local household registration, and the ownership of used cars belongs to the applicant and has certain mortgage value.
For vehicles purchased by CCB for personal use, the maximum loan is 80%, and the longest loan period is no more than 5 years; If the purchased vehicle is a commercial vehicle, the maximum loan is 70%, and the loan period does not exceed 3 years. The application requirements include the applicant 18-60 years old, local household registration certificate or long-term residence certificate, and personal income certificate.
In addition to providing loan services for the purchase of new cars, the Agricultural Bank can also accept second-hand car mortgage loans, with a minimum loan amount of 6,543,800 yuan and a maximum loan period of no more than 3 years. The application requirements include that the applicant 18-60 years old, the credit record and income level meet the requirements, and the down payment can be paid according to the prescribed proportion.
China Bank's personal car loan only supports the purchase of new cars, not used cars. The maximum loanable car price is 70%, and the longest loan period does not exceed 5 years. The benchmark interest rate shall be applied to the loan interest rate of general customers, and the loan interest rate of high-quality customers may be appropriately lowered on the basis of the benchmark interest rate, and the downward rate shall not exceed 10%.
The personal car loan of Bank of Communications only requires the applicant to have good credit and stable income, and the purpose of the loan is to buy a car for personal use. The maximum loan ratio is 80% of the car price, and the longest loan period is 5 years. The loan interest rate shall be implemented according to the provisions of the local branch, which is generally related to the loan term, vehicle brand and model.
ICBC's personal car loan can be up to 80% of the car purchase price, the loan period is up to 5 years, and the loan interest rate is not lower than the corresponding LPR interest rate. The condition of car loan is that the applicant 18-65 years old, lives in the local area, has a good credit record and repayment willingness, has a stable income source and the ability to repay on time.