2. Change the first beneficiary of auto insurance. Previously, limited by the conditions set by lending institutions, the first beneficiary of buying auto insurance was sometimes the lending institution. Therefore, after all the loans are settled, the first beneficiary of insurance is changed to himself.
Extended data
First, the conditions for applying for a car loan
1. Car buyers must be at least 18 years old and be China citizens with full civil capacity.
2. Car buyers must have a relatively stable job, a relatively stable economic income or assets that are easy to realize, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.
3. During the loan application period, the car buyer will deposit the down payment for car purchase lower than that stipulated by the bank into the account of the bank savings counter.
4. Provide banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.
5. Car buyers are willing to accept other conditions that the bank deems necessary.
Second, provide information.
Apply for personal loan.
2. Valid identification of myself and my spouse.
3, I and my spouse's occupation, position and income certificate.
4. Marriage certificate (unmarried certificate is required, except those who have not reached the legal age for marriage) and household registration book.
5. Original ID card, residence booklet or other valid residence certificate, and provide a copy.
6 car purchase agreement, contract or letter of intent signed with the dealer.
7. Proof of deposit or down payment;
Eight, the documents or materials required for the guarantee;
9. Other documents required by the cooperative organization.
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