Basic rule
1. Loan target: a natural person with full civil capacity, aged between 18 and 60.
2. Loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle, of which the loan amount of the commercial vehicle shall not exceed 60% of the price of the purchased vehicle; If the purchased vehicle is a used car, the loan amount shall not exceed 50% of the price of the car purchased by the borrower, and the loan amount shall not exceed 200,000 yuan;
3. Loan term: If the purchased vehicle is for personal use, the loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle or a used car, and the loan period is no more than 3 years;
4. Loan interest rate: subject to the loan interest rate regulations of China Construction Bank;
5. Guarantee method: To apply for personal car loan, the borrower must provide certain guarantee measures, including pledge, mortgage of the car purchased by the loan, mortgage of real estate, third-party guarantee, etc. You can also buy personal car loan performance guarantee insurance.
6. Application materials to be provided:
(1) Personal loan application;
(2) Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;
(3) proof of household registration or long-term residence;
(4) personal income certificate, family income or property certificate when necessary;
(5) Certificate of intention to buy a car issued by the automobile dealer;
(6) proof of down payment for car purchase;
(7) If the purchased vehicle is secured by other means than mortgage, the relevant materials of the guarantee shall be provided, including the certificate of pledge of rights, the certificate of ownership and evaluation of mortgaged real estate, and the letter of intent for third-party guarantee, etc.
(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 transportation fleet;
(9) The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to purchase a car and a vehicle evaluation report issued by an evaluation agency recognized by the Construction Bank; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.
Processing channels and procedures
1. Handling channel: Personal car loan business is handled through the branches of China Construction Bank. In some large and medium-sized cities, the auto finance service center set up by China Construction Bank specializes in personal auto loan business, and the personal loan center is also a professional accepting institution for auto loans.
2. Processing flow:
① The borrower submits the application materials;
② The handling bank conducts preliminary examination of the application materials submitted by the borrower, and conducts credit investigation and customer evaluation on the borrower;
(3) Examining and approving loan applications that meet the loan conditions through preliminary examination and credit investigation;
(4) If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower;
⑤ After the loan contract comes into effect, the handling bank will issue the loan. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.