Automobile consumption loan refers to the loan issued by our bank to borrowers for purchasing first-hand cars (including self-use cars and commercial vehicles, excluding used cars). Among them, the self-use car refers to the car purchased by the borrower and not for profit; Commercial vehicle refers to the car purchased by the borrower for profit.
Second, the product features
Various guarantee methods, convenient settlement and preferential treatment are conducive to improving the quality of life of borrowers.
1. There are various ways of guarantee: the loan can be secured by one or more of three ways: mortgage, pledge and guarantee, and it can be guaranteed by a legal person.
2. Convenient settlement: the bank is responsible for the transfer and payment of large funds, which is convenient for customers.
3. Preferential price: The Bank will join hands with special automobile dealers, who can provide borrowers with preferential car purchases according to the situation to enhance the attractiveness of loans.
4. Improving the quality of life: It is conducive to alleviating the borrower's recent pressure on consumption funds and improving the borrower's quality of life.
Third, the applicable object
Personal legal assets with valid identification, fixed address, stable legal income or full repayment of loan principal and interest, China residents with full capacity for civil conduct who can provide effective guarantee, and compatriots from Hong Kong, Macao and Taiwan and foreigners.
Four. Currency and duration
The loan currency is RMB. The loan period is generally not more than 5 years.
Verb (abbreviation of verb) product price
The loan interest rate shall be implemented in accordance with the loan interest rate and floating range of the same term and grade stipulated by the People's Bank of China.
Service channel of intransitive verbs
The counter of bank outlets provides services such as loan consultation, application, issuance and return, telephone banking provides services such as loan consultation, and online banking provides services such as loan consultation and SMS reminder of loan maturity.
Seven. Application material
Loan application, valid identity documents of the borrower and spouse, relevant income certificates, car purchase contracts or agreements signed with special dealers, supporting documents required for guarantee, and other materials required by the bank.
Eight. operation flow
1. The borrower applies for a loan from the bank and submits relevant materials.
2. If the loan is approved after examination and approval, the handling bank will sign a loan contract and corresponding guarantee contract with the borrower and guarantor, handle the loan and fund transfer procedures, and issue a notice of auto loan to the dealer.
3. The borrower repays the loan principal and interest on schedule.
4. After the loan is settled, the mortgage withdrawal formalities shall be handled according to the regulations of the bank.