1, a natural person who has reached the age of 18, has full capacity for civil conduct, holds valid identity documents meeting regulatory requirements and has a fixed detailed address;
2. China citizens with permanent residency in China, excluding Hong Kong, Macao and Taiwan;
3. Have a sustained and stable legal income or personal legal assets sufficient to repay the loan principal and interest, and have the ability and willingness to repay the loan principal and interest on schedule;
4. Personal credit status is good, and there is no bad credit record in BOC and its peers;
5. Being able to pay the down payment for car purchase that meets the requirements of laws, regulations, regulatory provisions and these Measures;
6. Provide effective guarantee recognized by the lender;
7. The purpose of the loan is clear and legal, and it can provide a car purchase contract, agreement or letter of intent recognized by the lender;
8. You need to open a deposit account with BOC before handling the loan;
9. If entrusted payment is adopted, the borrower shall provide effective counterparty account information, etc. To meet the conditions of independent payment, you need to submit personal account information;
10. Comply with laws, regulations, regulatory requirements and other conditions stipulated by the lender.
As there are differences in business in different regions, please consult the nearest China Bank outlet for details.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.