; ? Now many banks provide personal car loan services, and so does ICBC. However, when handling personal car loans of ICBC, we must be clear about the forms of such loans. After all, different forms of car loan application conditions and required materials may be different.

ICBC's personal car loan has two forms, namely personal car loan and personal commercial car loan.

I. Personal car loan:

Refers to the loan provided by ICBC for the purchase of self-use vehicles, with a maximum amount of 80% of the price of the purchased vehicles, and the loan can be applied for up to 5 years. The following matters are related to the application:

1) Application conditions:

1. Aged 18~60 years old, and the down payment for the purchased vehicle has been paid.

2. Foreigners or residents from Hong Kong; Macao and Taiwan shall also provide the contact person for loan application; and have lived of China for 1 year and have the fixed residence and occupation.

3. Providing pledge or mortgage or third-party guarantee;

4. Open a personal settlement account in China Industrial and Commercial Bank;

5. Other conditions stipulated by the lending bank.

2) Application channels:

You can't apply online. You need to bring the following information to ICBC outlets to apply.

1. Valid ID card, household registration certificate or valid residence certificate and marital status certificate of the lender and spouse;

2. Proof of income and proof of down payment;

3. Car purchase contract, vehicle insurance contract and other materials;

4. Proof materials related to loan guarantee;

5. Savings card or account for repayment.

Second, personal commercial vehicle loans:

Personal commercial vehicle loans refer to loans issued by Industrial and Commercial Bank of China to purchase for-profit vehicles, including personal commercial vehicles and trucks. The maximum loan amount can reach 70% of the car price, and the maximum loan period is 3 years for individual commercial vehicles and 2 years for trucks. The following are the matters related to the application:

1) Application conditions:

Must be at least 18~60 years old and have paid the down payment for the purchased vehicle. If the lender is a foreigner or a resident of Hong Kong, Macao and Taiwan, it is also required to provide a contact person at the place where the loan is applied, and has lived in China for 1 year and has a fixed residence and occupation;

2) Application channels:

Online processing is also not supported. You need to apply at ICBC outlets and provide the following materials:

1. Identity, marital status and household registration certificate;

2. proof of income;

3. Vehicle down payment voucher, car purchase contract, vehicle insurance contract and transportation qualification certificate;

4. Repayment by savings card or account.