1. Where the loan is applied by pledge or the bank or insurance company provides joint liability guarantee, the down payment shall not be less than 20% of the purchase price, and the maximum loan amount shall not exceed 80% of the purchase price.

Two, the purchase of vehicles or other real estate mortgage loans, the down payment shall not be less than 30% of the purchase price, the maximum loan amount shall not exceed 70% of the purchase price.

Three, to apply for loans by third-party guarantee (except banks and insurance companies), the down payment shall not be less than 40% of the purchase price, and the loan amount shall not exceed 60% of the purchase price.

The loan term is generally 3 years, and the longest is not more than 5 years (including 5 years), depending on the nature of the borrower. For taxi companies or car rental companies, the longest loan period is no more than 3 years; The loan period for other enterprises and institutions shall not exceed 2 years in principle; The term of personal loans is generally 3 years.