Personal car loan: refers to the RMB loan (excluding used cars) issued by the handling bank to natural person customers for purchasing non-profit cars and taking the purchased cars as collateral. Personal auto loans issued by the handling bank directly to borrowers without cooperation with auto dealers are called direct customer personal auto loans. Among them, the auto loan issued to the borrower who has bought a car in full to replace the non-loan debt of his previous car purchase is called replacement personal auto loan. Replaceable personal car loan is a special form of direct personal car loan. Note: The specific business type, handling process and handling conditions are subject to the relevant regulations of local branches.

Personal car loan conditions:

(a) People's Republic of China (PRC) (China) citizens, or Hong Kong, Macao and Taiwan residents and foreigners who have lived in People's Republic of China (PRC) (China) for more than one year (Hong Kong, Macao and Taiwan residents and foreigners should also designate a local resident with certain economic strength and good reputation as a contact person);

(2) He is between 18 and 60 (inclusive), has full capacity for civil conduct and holds valid identity documents;

(3) Having the household registration certificate or valid residence certificate of the place where the handling bank is located;

(four) credit records and income levels in line with the relevant provisions of the "China Agricultural Bank personal credit business management approach", and has the ability to repay the credit;

(five) the car purchase behavior is true, and can pay a down payment of not less than the prescribed proportion; For the replacement of personal car loans, all the purchase price must be paid;

Provide qualified guarantee;

(seven) before the implementation of credit business, open a current deposit settlement account or bank card account in China Agricultural Bank, and be willing to accept the credit supervision and settlement supervision of China Agricultural Bank;

(8) If only the purchased vehicle is used as collateral, the personal credit rating shall be above Grade A (general level) (inclusive); If portfolio guarantee is adopted, the first-tier branch shall determine the credit rating access standard;

(nine) within six months after the registration of a new car, you must apply to the bank for the replacement of personal car loans;

(10) Other conditions required by the handling bank.

Personal car loan process:

1. Loan application and acceptance;

2. The bank conducts investigation and approval;

3. Sign a loan contract;

4. Handling insurance, notarization, guarantee and other procedures;

5. issue loans. The loan will be issued after the mortgage registration (or notarization mortgage) formalities are completed. Consult the local Agricultural Bank in detail.

The personal car loan interest rate shall be implemented in accordance with the relevant provisions of the Measures for the Administration of RMB Loan Pricing of Agricultural Bank of China. Please consult your local Agricultural Bank for details.

Is the car home loan true?

The "car home" loan is real, because this institution is an open and formal institution, and its owner is a joint venture subsidiary of car home and Shanghai Cangu, and its registered place is in Shanghai. You can check their business license information on the website of Shanghai Administration for Industry and Commerce.

However, we still need to be vigilant and take preventive measures when choosing this kind of lending institution.

Pay attention to the following points when choosing auto loan companies and auto financing companies:

(1) Some fraudulent companies pull business in the name of big companies, but they don't have office addresses or even provide business licenses.

(2) The lower the threshold, the faster the loan, the more reasonable the interest, and the more attention should be paid to prevention.

(3) Require the borrower to pay the deposit, handling fee and interest of the first month in advance. You should be careful not to run away when they cheat money. If you encounter a liar, you should call the police at the first time.

Matters needing attention in automobile loan:

Loan target: a natural person with full civil capacity, aged between 18 and 60;

Loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle, and the loan amount for commercial trucks shall not exceed 60% of the price of the purchased vehicle;

Loan term: the purchased vehicle is for personal use, and the longest loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years;

Loan interest rate: subject to the loan interest rate stipulated by China Construction Bank;

Repayment method: If the loan term is less than one year, you can use any repayment method, such as monthly interest, equal principal and interest, average capital repayment, and one-time repayment of principal and interest. If the loan term is more than one year, the method of equal principal and interest and average capital repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.

What steps does car home need to borrow money to buy a car?

1. Application is the first step. Borrowers need to provide household registration books, real estate licenses and other materials, and usually need to use the house as collateral, and find a guarantee company to guarantee and pay the deposit and handling fee. After being optimistic about the vehicle to be purchased, fill in the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to the loan bank together with the relevant certificates of personal situation.

2 lending institutions to conduct pre-loan investigation and approval. After accepting the loan application, the lending institution evaluates the credit status of the borrower and the guarantor.

After investigation, the lending institution will promptly notify the borrower to fill in various forms for those who meet the loan conditions.

3. Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures.

4. Lending institutions issue loans (directly transferred by lending institutions to automobile dealer accounts).

5. The borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up note issued by the lending institution.

Car home, founded in June 2005, is the most visited car website in the world. Car home, the most valuable Internet car marketing platform in China, provides all-round services related to car purchase, car use, car maintenance and car life for the vast number of car consumers, with comprehensive, professional, reliable and interactive content, which has the most extensive influence on car consumers at multiple levels and dimensions. 2012 at the end of August, "car home" and Shengtuo Media were formally separated. The original Shengtuo Media split the two business lines of automobile and it into two independent companies. "car home" and "Used Car House" were formed into a company, named after "car home". According to the statistics of iUserTracker, the monthly coverage of car home is close to 80 million. China Internet car users spend 60% of their time in car home.

Car loan car purchase process

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The steps of buying a car with a car home loan ... Let's go.

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The steps are as follows:

1, apply for car loan. After the applicant is optimistic about the vehicle to be purchased, he/she needs to fill in the Application Form for Automobile Consumption Loan and the Credit Information Questionnaire, and submit them to the loan bank together with the relevant certificates of personal situation.

2. After receiving the application, the bank will conduct pre-loan investigation and approval.

3. After examination, the bank will inform the borrower to fill in various forms, as well as loan contracts, guarantee contracts and mortgage contracts, and go through mortgage registration and insurance procedures.

4. Banks issue loans

5. The borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and car pick-up slip issued by the bank.

In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.

Detective, buy a car and pick it up nearby. Let's go

Stepping into March, the warmth of spring is not unheard of, but I don't know why, this year's warmth always seems a little lacking in confidence. Just a day or two after the sunshine, it was forced back by another cold current. It was very hot to wear a vest yesterday, and I was sweating.