1. Car buyers must be at least 18 years old and be China citizens with full civil capacity.

2. Car buyers must have a relatively stable job, a relatively stable economic income or assets that are easy to realize, in order to repay the loan principal and interest on schedule.

3. During the loan application period, the car buyer will deposit the down payment for car purchase lower than that stipulated by the bank into the account of the bank savings counter.

4. Provide banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.

5. Car buyers are willing to accept other conditions deemed necessary by the bank.

II. The list of application materials for auto loan is as follows:

1. Personal valid identity documents, including resident identity cards, household registration books or other valid identity documents. If the borrower is married, it is also necessary to provide proof of the identity of the spouse;

2. Proof of the borrower's repayment ability recognized by the loan bank, including proof of income and relevant assets;

3. Certificate of intention to buy a car issued by the dealership (if it is handled in the "direct passenger" mode, this item is not required when applying for a loan);

4. If the purchased vehicle is mortgaged or pledged in other ways, it is required to provide the ownership certificate of the mortgaged property or pledge right, the written certificate that the person who has the right to dispose of it (including the owner of the property) agrees to mortgage (pledge) (or the owner of the property can directly sign the loan contract and mortgage contract), and the collateral evaluation certificate issued by the examination and approval department of the loan bank;

5 package design guarantee, the guarantor shall issue a written commitment to provide guarantee, and provide proof materials that can prove the guarantor's guarantee ability;

6. Proof of down payment for car purchase;

7. If the vehicle purchased by the loan is a second-hand car, it is also necessary to provide a certificate of intention to buy a car, a vehicle evaluation report issued by an evaluation agency recognized by the loan bank, a vehicle property right certificate of the vehicle seller, a motor vehicle registration certificate of the traded vehicle and a vehicle annual inspection certificate.

8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the affiliation agreement and lease agreement for the vehicle to be affiliated with the transport fleet;

9. Other documents, certificates and materials required by the lending bank.

The bank acceptor shall conduct a preliminary examination of the loan application and application materials submitted by the loan applicant, mainly examining the main qualifications of the loan applicant and the completeness and standardization of the materials submitted by the loan applicant. After the preliminary examination meets the requirements, the handling bank will submit the loan application form and application materials to the pre-loan investigator for pre-loan investigation.

Third, the car loan processing flow:

1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;

3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract;

4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;

5. loan settlement.