China Bank's personal business car loan refers to the car loan granted by the bank to natural persons for the purpose of making profits and engaging in legal production and business activities. Operating vehicles only refer to first-hand operating vehicles, including buses, trucks and construction machinery. Among them, construction machinery mainly refers to digging machinery (excavators) and scraper machinery (such as bulldozers, scrapers, loaders, flatbed trucks, forklifts, etc. ), hoisting machinery (crane), compaction machinery (roller), reinforced concrete construction machinery (such as concrete mixer, concrete mixer) and other construction machinery. The object of our personal car loan refers to citizens of People's Republic of China (PRC) and China who have full civil capacity and meet the following conditions: (1) The purpose of the loan is clear and legal; (2) The amount, duration and currency of the loan application are reasonable; (3) Having the willingness and ability to repay; (4) It has a good credit status and no major bad credit record; (5) Other conditions required by the bank. Because there are some differences in different regions, please consult local institutions in detail when applying for loans.
The above contents are for your reference. Please refer to the actual business regulations.
How long is the time limit for applying for personal car loan from China Bank?
The loan period for personal car operation of China Bank is generally 3 years. Meet one of the following conditions, the loan period is not more than 5 years (including 5 years):
1. The purchased vehicle is used as a city taxi.
2. The purchased vehicle is equipped with a GPS device, which is not easy to disassemble and can be used normally.
3. The purchased vehicles shall be provided with joint liability guarantee or repurchase guarantee by production enterprises or large automobile trading groups.
4. The borrower has a construction or business contract notarized by the notary department for more than three years.
5. Other circumstances approved by the personal credit review committee of the personal credit business department of the tier-one branch and approved by the authorized approver and the general manager of the personal credit business department.
Due to differences in business in individual regions, please consult our acceptance outlets or call our customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan regions) for details.
The above contents are for your reference. Please refer to the actual business regulations.
Personal car loan line of China Bank.
The loan amount for individual operating vehicles shall not exceed 70% of the price of vehicles purchased by the borrower. For machinery and equipment products that cannot be licensed by the vehicle management department, China Bank will determine and adjust the loan ratio according to factors such as the market and the borrower's situation, and the loan ratio shall not exceed 80% of the price of the purchased construction machinery.
The above contents are for your reference. Please refer to the actual business regulations.
Can a personal car be mortgaged? Zibo
Personal operating cars can be mortgaged. According to the relevant information inquired, the vehicles operated by individuals belong to individuals, and individuals have the right to use the vehicles and can make mortgage loans.