Taking China Agricultural Bank as an example, the details are as follows:
1. Applicants must be between 18 and 60 years old. During this period, he has full capacity for civil conduct.
2. The applicant has certain repayment ability.
3. The applicant has a good credit status and no bad personal credit record.
4. The applicant has an account or a valid account at the location of the office. Proof of residence.
5. The applicant's car purchase behavior is true, and the payment is not less than the specified amount. Pay the down payment of the car in proportion. If the applicant is replaced, and the personnel and vehicle expenses are paid, the car purchase price will be paid in full.
6. Applicants need to provide qualified guarantees.
7. The applicant needs to open a current deposit settlement account in China Agricultural Bank. Or bank card account, and is willing to accept the credit supervision and settlement supervision of Agricultural Bank of China.
8. If the applicant only mortgages the purchased vehicle, the personal credit rating shall be above Grade A (inclusive). If the applicant is in the form of portfolio guarantee, the first-tier branch will determine the credit rating access standard.
Problems that automobile mortgage should pay attention to.
Article 394 of the Civil Code: When the guaranteed debt is performed, the debtor or a third party may not transfer the property. If the property is mortgaged to the creditor, the debtor will not perform it. After the due debts or mortgages agreed by the parties are realized, the creditors have the priority to be compensated for the property. The debtor or the third party specified in this paragraph is the mortgagor and the debt fork. For the mortgagee, the property that provides guarantee is collateral. If a long-term loan is needed, it is not applicable to use a car as a mortgage loan; Because car mortgages often occur. The cost is quite high, which can be offset if you choose a longer term. If you repay in advance, you can try to deposit loans and repay in advance.
An automobile loan shall meet the following conditions:
(1) The buyer must be at least 18 years old, have completed China nationality and have full capacity for civil conduct.
(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that are easy to realize. Only in this way can the loan principal and interest be repaid on time. Very easy to understand. Assets generally refer to securities, gold and silver products, etc.
(3) During the loan application period, the car buyer shall make a bank deposit. There are fewer accounts in the locker than those entrusted by the bank to buy a car.
(4) Providing banks with bank-approved guarantees. If you buy a car and your personal account is not local, you should also provide joint liability. Ensure that the bank will not accept the goods purchased by car buyers for car buyers. Mortgage loan.
(5) Car buyers are willing to accept other conditions deemed necessary by the bank.