Automobile mortgage loan application conditions

A. Have full capacity for civil conduct.

B. Have permanent residence and valid residence status in the above areas.

C. The lender must have a formal job and have long-term stable income.

D. The lender has no criminal record or bad loan credit record, and has good social credit.

E. The borrower must be between 22 and 55 years old, and women must not exceed 50 years old. If you are unmarried, you must provide a third-party irrevocable joint guarantee (the requirements of the third-party guarantor are equivalent to the requirements of the lender).

F. The lender must have commercial housing or self-built housing in the specified area approved by Hangzhou Commercial Bank. If the lender does not own the property, he or she must provide a third-party irrevocable joint liability guarantee (the third-party guarantor requires the same at the borrower’s request).

G. If you have an urban household registration, are divorced and have real estate, the real estate property rights belong to the lender, have a fixed job, stable income, and are between 30 and 55 years old, the real estate certificate does not need to be mortgaged.

H, those with urban household registration, unmarried and owning real estate, can find working parents under the age of 55, people with real estate and stable income as guarantees.

I. Those who have an urban household registration, are unmarried or divorced and have no real estate, can find working parents or people with stable income who own real estate as guarantees. Or find someone with a registered permanent residence in the urban area who has real estate and a stable income as a guarantee.

J. Those with urban household registration, unmarried or divorced, owning real estate, owning their own business, with a registered capital of more than 500,000 yuan, and those who purchase a vehicle with a registered capital of less than 300,000 yuan do not need a third party guarantee, and their own business can serve as a guarantee ( Unit responsibility information needs to be provided).

K. If you have a suburban household registration and the land use certificate belongs to your parents, but you own a company, you do not need to find a third-party guarantee with real estate, but the guarantee is provided by the company (certificate of tax payment in the previous three months is required). The registered capital of the enterprise is more than 500,000.

L. If the unit provides a guarantee, provide the unit’s business license, code certificate, tax registration certificate, legal person ID card, capital verification report, articles of association, recent and previous annual financial statements and three months of tax remittance certificates. , board of directors or shareholders meeting resolution (mainly bank loan requirements).