Ping An Bank Loan Business Process
I. Basic credit status of the principal lender and spouse
1, with good credit and no bad credit record.
★ The objects not accepted include: prisoners, no real estate, and no loans in principle.
2. Have a stable job and a stable source of income, and be able to pay the down payment according to the prescribed proportion. 3. Be able to provide the guarantee conditions recognized by the bank, and provide true and clear proof materials.
Two, need to provide a list of application materials and fill in the loan application form and authorization.
1. Copy of ID cards of the principal lender and spouse.
2. Copies of the household registration book of the principal lender and spouse (copies 1, 2 and 3 must be available)
3. Copy of marriage certificate; Original single certificate; Copy of divorce certificate and divorce agreement or court judgment 4. Original personal income certificate of the main lender and spouse (valid with the official seal of the unit)
5. Copy of real estate license (real estate license, purchase contract and invoice, pre-sale contract and invoice) 6. Original bill of recent water, electricity and coal (you can choose one of the three payment documents) 7. Copy of the main lender's driver's license (the driver's license of himself or his immediate family is approved by the bank).
8. Asset proof: ① Salary details corresponding to income proof (bank card details or tax bill for the last 3 months) ② Deposit details of the main lender or spouse, certificate of stock fund policy (3) Property right certificate or rental income of multiple houses (4) Work permit or badge (providing copies of various asset proof materials is convenient for banks to improve audit efficiency).
Enterprise 1. An enterprise as a legal person shall provide the company's business license and the company's main accounting statements for the last three months.
(Shareholders are also required to provide the company's capital verification report)
2. Outsiders: In addition, you need to have a company and real estate in Haikou with a service life of more than one year. ★ The guarantor shall also provide the above certification materials.
Three. Provisions on the amount and duration of automobile loans
Loan amount: 4-5 million yuan.
Generally, the loan amount applied for is 70% of the net car price, with a term of 5 years, and high-quality customers can apply for 80% of the net car price, with a term of 3 years, or 70% of the net car price, with a term of 5 years (whichever is higher); The loan application amount should be above 70,000 yuan.
★ Quality customers: VIP customers of banks, national civil servants, teachers/lawyers, doctors, enterprises, finance, civil aviation, journalism, radio and television and other recognized high-quality industries or formal employees of well-known enterprises. Four. Loan interest and handling fee.
The monthly interest rate of SDB is 8‰.
Notarization fee: subject to the fees charged by the notary office; Mortgage fee: 0 yuan.
Verb (abbreviation of verb) automobile loan insurance regulations
1. The insurance period is the loan period plus 3 months. The beneficiary of the policy must be Ping An Bank Haikou Branch.
2. Types of insurance: the third liability insurance is not less than 200,000 yuan, including car damage insurance, theft insurance, excluding deductible insurance and compulsory insurance.
Mortgaging information of intransitive verbs
1. Original vehicle registration certificate (Haikou brand and Qiongbei brand are required) 2. Original car purchase invoice. Original insurance policy invoice 4. Original policy.
piece
Original policy approval form 6. Copy of driver's license (including car photos)
Seven. loan
Lend money within 2 working days after receiving the mortgage materials.
Eight. others
1. Give a reply within 2~3 working days after receiving the loan application materials.