How does CCB apply for a car loan? As a kind of loan issued by automobile bank, it is the product of residential loan, second only to mortgage loan. Faced with such an important product, the application conditions for the establishment of CCB will naturally not be very simple. At present, the conditions for applying for CCB car loan are: at least 18 years old, under 60 years old, with full civil capacity as stipulated by law; 2. Have the ability to pay the basic down payment (20% for self-use vehicles and 30% for commercial vehicles) and provide proof of down payment; 3. Buying a car can pay off the loan within 5 years, and buying a commercial vehicle can pay off the loan within 3 years; 4. In addition to paying loan interest, it can also provide vehicle mortgage, loan guarantee, performance guarantee insurance, etc. According to needs; 5. Certificate of intention to buy a car issued by the car dealer; 6. For friends who buy commercial vehicles, they also need to provide proof of car purchase for legal purposes; 7. Personal credit is good and there is no record of non-performing loans in the past five years. It is not difficult to see from the above application conditions that there are many conditions to apply for CCB car loan. However, this is not difficult for most people to achieve. In order to ensure that everyone can get a car loan smoothly, I suggest you go to the local CCB to learn about the latest car loan policy of CCB.
Second, how to handle the auto loan of CCB?
Spread out completely
CCB auto loan application materials:
(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 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 affiliation agreement and lease agreement for the vehicle to be affiliated with the transportation fleet.
Specific process: 1, CCB auto loan processing process: customer application: customers apply to the bank, fill in the application form in writing, and submit relevant materials at the same time;
2. Signing a contract: After the application materials submitted by the borrower are reviewed and approved by the bank, both parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate;
3. Lending: The loan granted with the approval of the bank will be directly transferred to the account of the automobile dealer by the bank according to the contract after all the formalities are completed;
4. Repayment 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.
6. After the loan is settled, the borrower shall retrieve the legal documents and relevant supporting documents kept by the bank on the strength of 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 on the strength of the loan settlement certificate.
Second, the automobile loan mortgage process
1. Buy a car from a dealer who is qualified to cooperate with the bank and sign a car purchase contract. In the contract, you should indicate the car price, taxes and fees, the payment method of insurance premium and the proportion of the remaining mortgage. You can't ask the dealer to write a general sentence about the price of the vehicle in the price.
2. Fill in the loan application form at the dealer (or bank), and pay attention to the loan amount and term.
3. Take relevant documents (usually ID card, marriage certificate, income certificate, driver's license-it can be someone else's, driving license, vehicle registration certificate) and go to the bank with your spouse (if any) and the dealer.
4. Sign the loan contract, chattel mortgage list and other related documents at the bank (banks generally require face-to-face signing to prevent fraud, so it is better to go there), then check the loan amount with the bank staff, and calculate the mortgage amount and performance guarantee insurance for each period according to the loan amount (this insurance calculation method is% of the total number of mortgage loans per month). This insurance can be partially returned after you repay the loan in advance (don't forget to ask for it when friends who repay the loan in advance arrive).
5. Note here: If you are more careful, you can ask the bank staff to write down the loan amount on the contract before signing it; If you have time, you can wait for the bank staff to write all the contracts and check them correctly before signing them, but you may have to go to the bank several times. This contract cannot be changed. Once revised, you can ask for a new one.
6. Get on the bus and go to the vehicle management office with the dealer for vehicle mortgage registration. Of course, you should bring all the relevant information, but you don't have to worry at this time. Banks and dealers will usually prepare for you, such as contracts, mortgage lists, vehicle engine numbers and frame numbers, vehicle registration certificates, etc. After handling, the vehicle management office will print your mortgage amount and the receiving bank on the vehicle registration certificate.
7. There is no need to go to the bank again, but the dealer can do the following procedures. Let him take the original or copy of the vehicle registration certificate to the bank, and the bank will transfer the corresponding money to the dealer account or your account according to the contract, and then automatically transfer it to the dealer account.
8. Deposit the mortgage amount in full into the designated account before the monthly repayment date agreed in the contract (the general bank will ask you to open a credit card account without overdraft, which is convenient for you to deposit and facilitate his deduction), and there will be a penalty period for the extension. If the payment is delayed, inform the bank to deduct it in time after payment, otherwise the bank may deduct it again in the next period, so your penalty interest will increase. Note that if the payment is delayed, you should pay more than usual, so that the bank can deduct the full amount, and the bank will not deduct the less.
9. If you lose your credit card or forget that account, you should go to the bank to reapply in time and tell them your latest credit card or account number, so that they can modify the computer information in time, otherwise the bank may delay processing and impose a penalty interest.
10. If you claim compensation from the insurance company after the accident, the insurance company will ask you to go to the bank to open a certificate of your repayment credit. If you repay the loan on time, the insurance company will pay you the premium in full. If you don't repay the loan in time, the insurance company will pay the compensation to the bank to offset the mortgage, and the bank will certainly not issue a certificate for you. So you are concerned about your repayment credit.
1 1. After all the loans are paid off, ask the bank for relevant certificates, and bring the vehicle registration certificate to the vehicle management office for vehicle mortgage cancellation. At this time, waiting for the bus can be your own. If the loan is repaid in advance, part of the performance insurance premium may be refunded, and there may also be vehicle insurance premium received by the insurance company in advance in the following year.
12. Please pay attention to the loan term and determine it reasonably according to your repayment ability. Don't think that the longer the time, the lighter the monthly repayment burden, because banks generally require mortgage vehicles to be insured. The higher the accumulated premium, the higher the loan interest and performance premium. In general, a good driver may not need so much insurance. You can calculate this account well!
3. What is the application process of CCB's automobile installment payment?
To apply for a car loan from China Construction Bank, you can follow the following procedures:
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 the approval of the bank and all formalities are completed, the bank will directly transfer it to the account of the car dealer according to the contract.
4. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.
4. How to apply for a car loan from CCB?
1, the borrower goes to China Construction Bank.
2. China Construction Bank applies for auto loans.
3. China Construction Bank applies for auto loan.
4. After approval, the borrower and the borrower sign a loan contract.
5. Borrower's handling
6. CCB will start the repayment of the borrower.