How to apply for a Ping An Bank car mortgage loan? These conditions are required

Nowadays, car loans are the first choice for many people to buy cars, which can alleviate the pressure of car purchases. There are many bank car mortgage loans on the market, and some people don’t know which one to choose. In fact, you can take a look at the Ping An Bank car mortgage loan of Ping An Bank. Office workers and business people can apply for it. Let’s take a look.

How to apply for a Ping An Bank car mortgage loan?

Ping An Automobile Mortgage Loan can be used to purchase a 2-5-seater car for personal consumption. If you are a corporate legal person or shareholder, you can also purchase a business car with more than 7 seats.

Application path: Log in to Pocket Bank-Loan to apply for a car mortgage loan.

To apply for a car mortgage loan, the borrower, the borrower, and the guarantor need to meet the following conditions:

1. There is a Ping An Bank car loan branch in the city where the car is purchased;

2. The age of the borrower must be 18 years or above and the loan period must not exceed 70 years old;

3. Legal and valid identity documents must be provided;

4. No bad credit record;

5. Have stable legal income or personal legal assets sufficient to repay the principal and interest of the loan;

6. People from China, Hong Kong, Macao and Taiwan and foreigners must comply with the national and Relevant regulations of local government departments.

Information required to apply for a car mortgage loan from Ping An Bank:

1. Information required for office workers to apply for an auto mortgage loan:

1. Lender’s identity document Photocopies (if you have a spouse and guarantor, you must provide them at the same time): personal ID card, household registration certificate, marriage certificate, driver's license;

2. Documents proving residence: such as real estate certificate, water and electricity supply for 3 months in the place of residence Choose any three gas bills;

3. Professional certification documents: such as proof of employment, work certificate;

4. Car purchase contract;

5. Income prove.

2. Business people applying for car mortgage loans need to provide:

1. Car purchase contract;

2. Applicant (if there is a spouse and guarantor, Must provide at the same time) ID card, household registration certificate, marriage certificate, driver's license;

3. Residence proof documents, such as real estate certificate or any three water, electricity and gas bills of the place of residence for three months;

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4. Enterprise business documents, such as business license, capital verification report (legal person enterprise), company accounting statement, financial statements;

5. Income documents, such as 6-month reconciliation of enterprise current account bill.

Can I get a mortgage car loan from Ping An?

A mortgage car loan mainly depends on the individual’s qualifications. The better the qualifications, the easier it is to apply. You can apply now. It usually takes 1-5 working days without collateral. .

Need to meet the following conditions:

1. Age 25 to 55 years old;

2. Average monthly income_3,000 yuan, Beijing, Shenzhen, Guangzhou, Average monthly income in Shanghai and Hangzhou_4,000 yuan

3. Have a stable job, and the salaried person has been working in the current unit for 3 consecutive months, and some customers need 6 months;

4. Live and work in the following areas (other areas are under development): Beijing, Shanghai, Tianjin, Chongqing, Guangdong, Zhejiang, Fujian, Jiangsu, Shandong, Liaoning, Sichuan, Hubei, Yunnan, Hainan.

Note: In some of the above provinces and cities, Shenzhen Development Bank, a subsidiary of Ping An Group, will provide loan services.

5. Chinese citizens with full capacity for civil conduct and a second-generation ID card;

6. No bad credit record.

Extended information:

Security of mortgaged cars:

The bank's pursuit of mortgaged cars is generally based on the repayment date agreed upon in the contract signed by the borrower and the bank. collection,. The recovery progress depends on bank staffing, review process, acceptance progress, bank and relationship and other factors.

If the application is formally accepted, the bank will apply for "asset preservation" seizure processing as soon as possible. The customer's real estate, accounts, and movable properties will be seized. For cars that are movables, only bank personnel will know the exact identity of the car. Only when the location is located, the personnel will cooperate with the bank to collect the money at the door.

Moreover, when purchasing a car with an installment mortgage loan, the customer needs to provide the corresponding credit report and other real estate for guarantee or review. The bank will not waste energy on tracking the movable property. Above, (based on years of experience, personnel simply do not have time to dispatch together with bank personnel).

In addition, the bank can also apply for seizure. The prerequisite is that the precise location of the vehicle must be known, and the bank must have corresponding equivalent assets as security before it will accept the seizure process, otherwise it will not be accepted.