2. The car loan interest rate of the Postal Savings Bank generally fluctuates on the basis of the benchmark loan interest rate of the People's Bank of China, and is adjusted according to factors such as car purchase price, borrower's credit and work. The benchmark interest rate of the People's Bank of China is as follows: if the borrowing time does not exceed 1 year, the benchmark interest rate of commercial loans is 4.35%; /kloc-The benchmark interest rate for borrowing time from 0 to 5 years is 4.75%; The benchmark interest rate for loans over 5 years is 4.90%; If it is a provident fund loan, the benchmark interest rate for the loan period of not more than 5 years is 2.75%; The benchmark interest rate for loans over five years is 3.25%.
3. According to the regulations of the Postal Savings Bank, the following application materials are required to apply for a mortgage car loan: a valid personal identity document. Including resident identity cards, household registration books, etc. If the borrower is married, the identity certificate of the spouse shall be provided; Certificate of intention to buy a car issued by the car dealer; Household registration certificate or long-term residence certificate; Personal income certificate, and provide family income or property certificate when necessary; Matters needing attention in car loan: loan target:/kloc-a natural person with full civil capacity from 0/8 to 60 years old; 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, and the loan amount for commercial vehicles shall not exceed 60% of the price of the purchased vehicle.
About postal bank
Postal savings in China can be traced back to the postal savings business started in 19 19, which has a history of one hundred years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the whole company was restructured into a joint stock limited company. From 20 15 to 12, ten domestic and foreign strategic investors were introduced. 2065438+listed on the Hong Kong Stock Exchange in September 2006. 20 19 to 12 were listed on the Shanghai Stock Exchange, and the three-step reform goal of "share reform-leading battle-listing in A and H" was successfully completed.