In addition to the corresponding application materials, citizens who want to apply for a loan to buy a car in CCB also need to know what restrictions are there:

1. Application materials required to apply for auto loan from China Construction Bank:

(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), household registration certificate or long-term residence certificate;

(4), personal income certificate, provide proof of family income or property 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 other than mortgage, relevant materials for the guarantee shall be provided;

(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 vehicle's affiliation agreement with the transport fleet, lease agreement, etc.

2. The restrictions on auto loans of China Construction Bank are as follows:

(1). The vehicles purchased by China Construction Bank are for self-use, and the longest loan period cannot exceed 5 years, and the loan amount does not exceed 80% of the vehicle price;

(2) The vehicles purchased by CCB are commercial vehicles, and the loan period shall not exceed 3 years at the longest, and the loan amount shall not exceed 70% of the vehicle price;

(3) The commercial vehicle loan amount shall not exceed 60% of the price of the purchased car.

If the car is mortgaged, it is usually 30% down payment and 70% loan. If the property is mortgaged, you can buy a car by mortgage, and the price of the car is generally higher. Credit card installment payment is generally limited.

Because different banks have different loan interest rates and different handling fees. Therefore, different applicants have different qualifications.

Second, how to apply for a car loan from CCB?

Users apply for car loans from banks. After the approval of the bank, the bank will issue a credit card to the user. This credit card is used to pay back the car loan every month. Banks generally don't accept car loans, but they have the business of buying cars by credit cards, that is, buying cars by credit cards, so they use credit cards as repayment bank cards. This is a car installment business handled by credit card, which can also be understood as similar to car loan. It means that the credit card has approved a large amount of special installment payment, and it can be repaid directly to the card without activation. The credit card letter will indicate the billing date of each month, and the repayment date of each month is the 20th day after the billing date. The repayment date of each month is fixed. When the first month's bill is issued, you should receive a text message to remind you to repay it. In addition, users must pay back their credit cards on time every month. Unless there is an agreed grace period for repayment, there will be a credit report on the overdue day. First, the credit card installment car purchase process (1) application. After you are optimistic about the vehicle to be purchased, fill out the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to the loan bank together with the relevant certificates of personal situation. (2) The bank conducts pre-loan investigation and approval. If the loan conditions are met, the bank will promptly notify the borrower to fill in various forms. (three) notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures. (4) Loans issued by banks (directly transferred by banks to the account of automobile dealers). (5) The borrower pays the down payment to the car dealership, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank. 2. Materials required for car purchase by credit card installment: 1. First, apply for a credit card; 2. Give you a loan to buy a car according to your credit history (that is to say, you have to activate the card when you get it, then use it for a while, swipe your card frequently, and then pay back the money on time. Don't fail to pay back the money. Good credit record); 3. Each bank cooperates with the designated car dealer, which means that you can only choose the car brand provided by the bank, and then choose the loan period according to your own economic situation (only 1 year, 2 years, 3 years); 4. Then go directly to the bank outlet to find the account manager, who will handle it for you, usually within 15 working days.

Third, how do individuals apply for CCB car loans?

How to apply for CCB personal car loan? Compared with mortgage products, there are only a few standard products. Nevertheless, if CCB customers want to borrow money to buy a car, CCB's personal car loan and car loan are introduced as follows: the loan object and loan amount are 1, the age is between 18 years old, and the natural person with behavioral ability. 2. 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 the price of the purchased vehicle, and the truck loan amount 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 2. Loan term and loan interest rate. If the loan term does not exceed 5 years; The purchased vehicle is a commercial vehicle or a used car, and the loan period does not exceed 3 years. The loan interest rate shall be in accordance with the loan interest rate provisions of China Construction Bank. An application form should be submitted when applying for a loan; (2) Personal valid identity documents. Including resident identity cards, household registration books, military officers' cards, certificates, etc. If the borrower is married, the identity certificate of the spouse shall be provided; (3) proof of household registration or long-term residence; (4) individuals provide proof of family income or property; (5) car dealers are responsible; (6) If the car is guaranteed by the down payment certificate, provide the interest-bearing certificate, the ownership certificate of the mortgaged real estate, the letter of intent, 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. If the vehicles linked to the transport fleet are used cars, it is also necessary to provide proof of purchase intention and an evaluation machine approved by CCB; Vehicle registration certificate of vehicle seller, vehicle annual inspection certificate, etc.

4. What is the car loan processing process of CCB?

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. Loan settlement includes normal settlement and early settlement.

(1) Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

(2) Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, it must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.

After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.