I. Application conditions
(1) The borrower needs to have a permanent residence or a certificate of long-term residence in Wenzhou.
(2) Need to issue a work certificate, have a stable income, and continue to work for at least 2 years.
(3) Have sufficient repayment ability.
(4) A company engaged in passenger service provides an irrevocable full joint liability guarantee, plus a personal guarantee from the borrower's spouse.
(5) Need to provide a car purchase contract or agreement for operating a car.
(6) More than 30% of the funds needed for car purchase and operation shall be deposited in Wenzhou Bank as the down payment.
(7) After buying a car, you need to bring the mortgage contract of the operating car to the vehicle management office for mortgage registration. During the mortgage period, the borrower needs to go to the insurance company for property insurance of the collateral. Wenzhou Bank is the first beneficiary, and the insured amount shall not be less than the total loan principal and interest. During the period when the loan is not paid off, the operating car shall be insured.
(8) The handling bank, the borrower and the guarantee unit shall sign a tripartite cooperation agreement and open a loan repayment account in the loan bank to ensure the timely repayment of the loan principal and interest.
Second, the application materials
(1) certificate and guarantee opinion.
(2) If you are married, you need to provide marriage certificate, income certificate, work certificate, bank account, etc.
(3) approval of operating lines, car purchase contracts or agreements.
(4) proof of down payment for car purchase.
(5) Motor vehicle insurance policy of insurance company (provided when handling the mortgage of operating vehicles).