1, a citizen of China who has reached the age of 18, has full capacity for civil conduct and has a fixed residence in China.
2 have a stable professional and economic income, and can guarantee to repay the loan principal and interest on a regular basis.
3. Open a savings account in a loan bank.
4. Car mortgage can be provided, and there are guarantee measures recognized by the loan bank.
5. Willing to accept other conditions stipulated by the lending bank. (2) To apply for automobile mortgage, the lender must meet the following conditions: (1) National legal vehicle; (2) Owner 18-65 years old; (3) Having a fixed job, stable income and full capacity for civil conduct; (4) Non-operating vehicles with a factory date of less than 5 years (5) The purchase price is more than 50,000 yuan (both domestic and imported cars can be used); (6) The vehicle shall be purchased in full without mortgage.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons.
The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.