1. Order scope: The service life of the vehicle (based on the initial registration date of the vehicle specified in the vehicle registration certificate) shall not exceed 4 years in principle. The service life of the vehicle is more than 4 years, but it is in good maintenance condition, and the service life plus loan life shall not exceed 7 years; Imported or domestic passenger cars with a transaction price of 654.38 million yuan or more for vehicles with less than seven seats; The mileage traveled shall not exceed 6,543,800 kilometers;

2. Vehicle quality and price evaluation: The loan vehicle must entrust a professional appraisal and evaluation institution designated by the bank to appraise and evaluate the technical condition and value of the vehicle, and issue a second-hand car appraisal and evaluation report. Accident vehicles, immersion vehicles, burning vehicles and vehicles operating or changing from operation to non-operation will not be accepted (subject to the conclusion of the evaluation report);

3. Vehicle price determination and loan limit: the transaction contract price and the evaluation price of the vehicle by the evaluation company recognized by the bank are taken as the recognized price of vehicle transaction, and on this basis, the maximum loan amount of the bank is determined according to the principle that the actual transaction price is lower than 50%/ the evaluation price is lower than 60%;

Four. Loan guarantee measures: Second-hand car loans need to adopt loan vehicle mortgage plus full-course guarantee from professional guarantee institutions recognized by banks or performance insurance from insurance companies;

Verb (abbreviation of verb) loan condition: the legal relationship between the guarantee company and the insurance company approved by the bank to implement loan guarantee. After the loan is issued, the guarantee institution will follow up and complete the vehicle transfer mortgage registration procedures to ensure the rights and interests of the bank;

Immutable verb mortgage insurance measures: During the loan period, car buyers must purchase automobile commercial insurance for the loan vehicles, and our bank will be the first beneficiary of this insurance.