1. If you want to entrust someone else to handle the car loan, the client must have a power of attorney from the loan applicant.

2. Object of auto loan: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.

3. Car loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability.

4. Auto loan amount: The maximum loan amount generally does not exceed 80% of the price of the purchased car.

5. Term of auto loan: The term of general auto consumption loan is 1-3 years, with a maximum of 5 years.

Mortgage car purchase process:

1. The lender submits detailed loan application materials to the bank;

2. The bank conducts a preliminary examination of the application materials submitted by the borrower;

3. The bank conducts credit investigation and customer evaluation on auto lenders;

4. If it passes the preliminary examination and credit investigation of the bank, the loan application is approved;