Cangzhou Bank's automobile consumption loan refers to a personal loan business in which banks cooperate with dealers to provide loans to borrowers who apply to buy dealers' cars, and the purchased cars are used as collateral, and dealers provide guarantees and repurchase.

II. Amount, Term and Interest Rate

The truck quota is 60% of the price of the network car, and the car quota is 70% of the price of the network car; The term of automobile consumption loan of Cangzhou Bank is generally 1-2 years, and the longest is no more than 3 years. The interest rate is based on the statutory benchmark interest rate and relevant bank policies.

Third, the loan object and conditions

1. A natural person with full capacity for civil conduct, with local permanent residence or valid residence status, under the age of 60, in good health and good credit.

2 have a stable source of income and the ability to repay the principal and interest of the loan on time.

3. Holding a car purchase contract or agreement approved by the bank.

4. It can provide mortgage or pledge of assets recognized by the bank, or a third-party guarantee with sufficient compensatory capacity.

5. Other conditions required by Cangzhou Bank.

Four. Information to be provided

1. Review of loan application and credit application.

2. The original and photocopy of the valid identity documents of the borrower and his spouse, including identity card, household registration book, marriage certificate, etc.

3. Written proof that both husband and wife of the borrower agree to mortgage.

4. proof of income.

5. Provide proof of down payment of not less than the specified proportion.

6. If the loan guarantee is proved by a third party, a written document of the guarantor's consent to the guarantee, the original and photocopy of the guarantor's identity certificate and relevant credit materials shall be provided.

7. Car purchase contracts signed with car dealers.

8. Other information required by Cangzhou Bank.

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