Lender: a citizen of China, aged 18-55, who has a fixed house and a stable job in Beijing, has full capacity for civil conduct, and has no criminal record or bad loan record;

Loan ratio: minimum down payment is 30% (civil servants, teachers, lawyers, etc.). Can be relaxed to 20% down payment according to the situation);

Loan term: 1-5 years;

Loan model: 4-9 non-operating family cars;

Loan amount: 654.38+0,000 yuan -654.38+0.98 million yuan;

Loan areas: Beijing, Wuhan, Xi and Tianjin.

Loan documents: ID card, household registration book, property certificate, income certificate, driver's license and two one-inch photos; If you are married, you need to provide another copy: spouse's ID card, household registration book, marriage certificate and income certificate; Non-Beijing hukou must have a fixed property, a stable job and a temporary residence permit in Beijing;

Loan process: customer consultation → pre-loan investigation → customer submission of complete information → acceptance by bank outlets → bank approval.

Loan interest rate: implement the central bank interest rate.

Loan approval time: 3-5 working days to approve the loan and pick up the car.