Hefei automobile loan application conditions
1. Have a stable job and all the rights of local mortgaged vehicles.
2. Enterprises that have been living and working in this city for a long time.
3, motor vehicle registration certificate, driving license, purchase tax certificate (this), car purchase invoice.
4. Insurance policies, vehicle and vessel taxes and relevant tax certificates for imported vehicles.
5. ID card (temporary residence permit or residence permit within the validity period provided by non-local account customers).
Hefei automobile loan application materials
Personal valid identity document. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, proof of spouse's identity shall be provided.
Proof of household registration or long-term residence.
Personal income certificate, provide family income or property certificate when necessary.
Confirmation of intention to buy a car issued by a car dealer.
Car down payment confirmation.
If the purchased vehicle is secured by other means than mortgage, relevant materials of the guarantee shall be provided, including pledge beneficiary certificate, mortgage real estate ownership confirmation evaluation book, third party guarantee letter of intent, etc.
If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the attachment agreement and lease agreement for the vehicle to be attached to the transport fleet.
The vehicle purchased by the loan is a second-hand car, and a vehicle evaluation report issued by an evaluation agency recognized by CCB is also required. Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.
Hefei car loan processing flow
Customer consultation and appointment processing → motor vehicle evaluation → signing relevant agreements → handling mortgage procedures → changing insurance beneficiaries → lending → repayment.
As far as car loans are concerned, banks are not the only choice. Therefore, before applying for a loan, the borrower can choose the loan method according to his own situation, which can buy a car without giving himself too much repayment pressure.