1. If the borrower pledges RMB personal certificates of deposit and treasury bills of China Construction Bank, the maximum loan amount is 90% of the purchase price.
2. If the borrower takes the house as collateral and the insurance company provides performance guarantee insurance, the maximum loan amount is 80% of the purchase price.
3. If the borrower provides a third-party joint liability guarantee (except for insurance companies), or mortgages the purchased vehicle, the maximum loan amount is 70% of the purchase price.
(2) loan term
The loan term is generally 3 years, and the longest is not more than 5 years (including 5 years).
(3) Loan interest rate
The loan interest rate is the same as that stipulated by the People's Bank of China. If the loan term is within 1 year (including 1 year), the interest will be calculated at the contract interest rate, and the interest rate will remain unchanged when the legal interest rate is adjusted; If the loan term exceeds 1 year, in case of legal interest rate adjustment, the new interest rate level will be implemented at the beginning of next year according to the corresponding interest rate grade.
Three, the information needed to apply for personal car loans
1, application for personal automobile consumption loan of China Construction Bank;
2. The original and two copies of valid residence certificates such as ID card and household registration book. Married persons should also provide the original and two copies of marriage certificate and spouse ID card;
3. Proof of repayment ability of the person and spouse recognized by CCB, such as salary income certificate (income certificate issued by the company and payroll, salary card or passbook, etc.). ), proof of investment income (capital verification report, articles of association, shareholder dividend resolution, business license, tax bill, etc.). ), and proof of property status (property certificate, certificate of deposit, stocks, bonds, etc.). ).
4. If you have signed a car purchase contract or agreement with a special dealer, please provide the signed contract or agreement;
5. Proof of down payment for car purchase (such as passbook and deposit slip, etc.). ) deposited in China Construction Bank outlets, or proof of down payment for car purchase (invoice or receipt);
6. In any of the following circumstances, please provide relevant supporting materials:
VIP customers of CCB (1);
(2) Longka Gold Card customers;
(3) Handling personal housing loan or personal consumption loan business in CCB, and repaying on time for more than 12 consecutive periods.
7. If you apply for a loan by mortgage of real estate, please provide the property ownership certificate of the existing house with complete property rights and without mortgage, or the purchase contract, loan contract, repayment record, etc. Commercial housing supported by personal housing loan of China Construction Bank;
8. If you apply for a loan by means of certificates of deposit or voucher-type national debt pledge, please provide relevant proof of rights;
9. If you apply for a loan by guarantee insurance provided by an insurance company, please provide an underwriting confirmation letter issued by the insurance company.
Four. Loan repayment method and repayment plan
1. Repayment method: entrusted deduction and repayment at the bank counter.
2. Repayment method: If the loan term is within 1 year (including 1 year), the loan principal and interest shall be paid off in one lump sum; If the loan term exceeds 65,438+0 years, you can choose the repayment method of equal principal and interest (equal monthly repayment of loan principal and interest) or the repayment method of equal principal (equal monthly repayment of loan principal and corresponding interest).
3. Repay in advance.
If the loan term is within 1 year (including 1 year), with the consent of the Construction Bank, the borrower may settle all the loans in advance at one time, and calculate the interest according to the actual service years according to the original contract interest rate grade, and may not repay part of the principal in advance.
If the loan term exceeds 1 year, with the consent of the Construction Bank, all the loan principal and interest can be paid off in advance, or part of the loan principal can be returned in advance.