Information such as general car purchase (car purchase by rest) process in Nanning, Guangxi.

Yes, you can. Consult the car dealership directly and you will get a more exact answer. Because the agreement between the brand and the bank is different, the operation is similar.

Supplement: This is our operation process in Guangxi, and there may be some differences in specific aspects in different places:

China Construction Bank Automobile Loan

[2004-11-715:17: 04] Author: anonymous source: original editor: Mu Zi.

Provisions of China Construction Bank on Automobile Loan

I. Five Business Features

1, with the first professional personal automobile consumption loan center in Guangxi.

2. "One-stop" service. Provide you with "one-stop" service of consulting, accepting, approving and signing contracts, handle loan procedures on the spot, and do assembly line work. Under normal circumstances, you only need to go to CCB once.

3. "Loan first, then buy a car", get the loan amount of CCB first, and then go to any car to fully feel the benefits of buying a car with one-time payment.

4, accompanied by the whole process. From the first step you step into CCB to the moment you drive away, CCB professionals or car dealers will accompany you all the way to help you with all the formalities.

5. Group purchase discount. CCB often cooperates with car dealers and news media to organize brand car group buying activities, which will give you certain discounts in car purchase, loan and insurance.

2. Percentage, term and interest rate of the loan.

(1) Percentage of loans

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.

Verb (abbreviation of verb) operation process

Intransitive verbs mainly cooperate with automobile brands.

Shanghai GM Buick: Regal, Excelle, Sail and GL8.

● Shanghai Volkswagen: Passat, Santana, Polo, Goyle.

● FAW-Volkswagen: Audi, Bora, Jetta, Golf

● FAW Car: Hongqi and mazda 6.

● Dongfeng Nissan: Fengshen, Sunshine

● Dongfeng Citroen: Elysee, Seine, Fukang, Picasso.

● Hainan Mazda: Familia, Prima

● Southeast cars: Delika, Fulika and Lingshuai.

● Nanjing Fiat: Pariaud, Siena, late wind.

● Jinbei Automobile: Jinbei, Zhonghua