Bank loan requirements:

(1) Identity card of urban permanent residents under 65 years old (inclusive) with full capacity for civil conduct or 18 years old or above.

(2) have a stable legal income and the ability to repay interest;

(3) When applying for a loan, the car buyer should have free capital of not less than 30% of the original price of the car.

(4) The borrower agrees to use the purchased vehicle and its rights and interests as collateral;

(5) Other conditions required by the lending bank.

Loan amount: the loan amount is determined by the bank according to the borrower's credit status and the guarantee provided. If a personal vehicle is mortgaged, the maximum loan amount shall not exceed 70% of the mortgaged property value; If an individual mortgages, the maximum loan amount shall not exceed 60% of the value of the collateral. Materials to be submitted for applying for a loan The borrower applies to the bank, fills in the application form in writing, and submits the following materials at the same time:

1. Valid ID;

2. Permanent residence or valid residence certificate, and permanent residence certificate;

3. Proof of marital status;