If I buy a car loan, what can I borrow?

1. What do I need to get a car loan?

China Bank Personal Consumption Auto Loan Product Introduction Personal consumption auto loan refers to the personal consumption auto loan issued by China Bank to individual borrowers for purchasing consumer-owned cars (excluding used cars). The term of personal car loan is generally not more than 3 years (including 3 years); Upon approval, the longest period shall not exceed 5 years (including 5 years). Loan amount The maximum amount of personal automobile consumption loan shall not exceed 70% of the price of the purchased car; Upon approval, the maximum amount shall not exceed 80% of the cars purchased. In order to help you handle the loan smoothly, Bank of China reminds you to prepare the following materials: 1, the original loan, household registration book or other valid residence documents, and provide their copies; 3. Proof of occupation and economic income, including but not limited to income certificate issued by the unit, bank deposit certificate, credit card statement, tax payment certificate, etc. ; 4. Letter of intent for car purchase; 5. The certificates or documents required for the guarantee, including the list of the mortgaged (pledged) goods and the persons who have the right to dispose of them (including the property owner * * *); Certificate of ownership of collateral issued by the competent department or (written valuation of vehicle invoice price combined with published market price) document agreeing to insure; Pledged goods need to be delivered with pledged goods or rights certification documents; The guarantor agrees to perform the guarantee contract and relevant credit certification materials of joint and several liability guarantee; Or documents proving that they meet the conditions for credit loans; 6. Relevant certificates that the down payment for car purchase has been paid; 7. Other documents required by the branch. Loan Guarantee To apply for personal automobile consumption loan, it shall provide necessary loan guarantee according to the requirements of China Bank; Before signing the loan contract, the property mortgage and pledge liability guarantee recognized by China Bank shall be provided. The parties to the guarantee will be in danger. You should apply for mortgage insurance according to the requirements of Bank of China, and the guarantee amount should not be less than the sum of the loan principal and interest. Bank of China enjoys the priority of compensation under the insurance policy, and the insurance policy shall not contain any restrictive clauses that are detrimental to the rights and interests of Bank of China. If you buy the vehicle as collateral, Bank of China will require you to take out at least vehicle loss insurance, theft insurance and third-party liability insurance for the collateral. During the validity period of the insurance, you shall not interrupt or cancel the insurance for any reason; If the bank has the right to insure on its behalf. In case of damage beyond the insurance coverage, you should promptly notify the Bank of China and implement other guarantees. Repayment of loan principal and interest can be made by equal principal and interest repayment method and average capital repayment method. CITIC Bank CITIC Personal Family Car Loan I. Loan Conditions The loan applicant is a natural person who has reached the age of 65,438+08, has full capacity for civil conduct and meets the following conditions: he has a local permanent residence; Have a stable occupation and income; Good credit and the ability to repay the principal and interest on schedule; A car purchase contract has been signed; The down payment has been paid to the dealer or deposited in the bank; Providing bank-approved guarantees; Other conditions stipulated by the bank. 2. Loan amount, term and interest rate The loan amount shall not exceed 50% of the net car value, and the mortgage of the house shall not exceed 60% of the appraised house price. The loan period shall not exceed 3 years. The loan interest rate shall be subject to the term interest rate and adjustment method stipulated by the People's Bank of China. Three. Loan Procedure The loan applicant signs a car purchase contract with the car dealer, fills in the loan application form, and submits relevant materials as required by our bank; The handling personnel of the Bank or the entrusted law firm shall review and investigate the materials submitted by the loan applicant; Our bank will give approval and inform the loan applicant of the approval result; The loan applicant shall go through the formalities of insurance and mortgage registration; Our bank issues loans and the borrower repays the principal and interest according to the loan contract. 4. Materials to be submitted: identification certificate (including ID card, household registration book or temporary residence permit), income certificate, marriage certificate, family property certificate, car purchase contract, down payment certificate, car purchase invoice, vehicle purchase additional tax certificate, motor vehicle registration certificate, vehicle insurance policy, etc. Minsheng Bank's automobile consumption loan Personal automobile consumption loan refers to the loan issued by our bank to individual borrowers for purchasing self-use cars (excluding commercial vehicles and used cars). 1. product object: the product object must be a natural person who is at least 18 years old and has full civil capacity. 2. Loan amount, term, interest rate and repayment method 65,438+0. Loan amount (65,438+0) Domestic car loan amount ≤ net car price ×70%(2) Imported car loan amount ≤ net car price. 3. Loan interest rate The interest rate of personal automobile consumption loan shall be implemented according to the loan interest rate of the same grade in the same period published by the People's Bank of China, and the minimum downward fluctuation shall not exceed 10%. Three. Business process: (1) The borrower submits an application and fills in the Personal Loan Application Form; (2) Bank investigation and approval; (3) Signing loan contracts and guarantee contracts; (4) granting loans; (5) Handling vehicle registration and mortgage registration procedures; And (4) the applicant shall provide the following materials: (1) the borrower's valid identity document; (2)