Generally speaking, the lender is a valid personal identity document when handling the car loan process. Including resident identity cards, household registration books, etc. If the borrower is married, please provide proof of spouse identity (note: under the same conditions, married people are more likely to get loans than unmarried people). The auto loan provisions are as follows:

Application materials to be provided:

Personal valid identity document. Including resident identity cards, household registration books, etc. If the borrower is married, the identity certificate of the spouse shall be provided;

Certificate of intention to buy a car issued by the car dealer;

Household registration certificate or long-term residence certificate;

Personal income certificate, and provide family income or property certificate when necessary;

If the purchased vehicle is secured by other means than mortgage, relevant materials for the guarantee shall be provided;

Proof of down payment for car purchase;

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.

Precautions for car 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, of which the loan amount of the commercial vehicle 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 regulations of China Construction Bank;

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

Processing flow:

Customer application: the customer applies to the bank, fills in the application form in writing and submits relevant materials at the same time;

After the contract is signed, the bank will review the application materials submitted by the borrower, and both parties will sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate;

Lending, loan approved by the bank, after all formalities are completed, the bank will directly transfer it to the account of the automobile dealer according to the contract;

Repayment on schedule, the borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;

Loan settlement. Loan settlement includes normal settlement and early settlement, as follows:

(1) Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

(2) Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, it must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.

After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.