Hello, if you need to apply for a car loan through our bank, personal car consumption loan is a loan issued by our bank to customers who buy brand-new non-operating cars in their own name to pay for the car purchase. (Second-hand car loans and personal vehicle loans are not supported at present). The maximum loan amount is 2 million yuan. And the maximum loan amount does not exceed 80% of the price of the purchased vehicle (excluding various additional taxes and premiums); The maximum amount of personal car loan for imported cars shall not exceed 70% of the price of the car purchased (excluding various additional taxes and premiums). The loan term is generally not more than 3 years, and the longest is not more than 5 years.

If you have seen the car you need to buy through the car dealer, you can confirm whether you have cooperation with China Merchants Bank through the car dealer. If not, you can try to contact the personal loan department at the counter of China Merchants Bank directly to apply for a loan for you. The handling bank needs to examine your situation in detail to determine whether it can be handled.

Application materials generally required for applying for a loan:

1. Identification information

2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.

3. Proof of local residence: fixed telephone bill for any three months in the past year, or public utility bill such as water and electricity bill, or other materials that can prove the address.

4. Guarantee certification materials

5. Proof of use: provide the invoice for the full amount of car purchase before the loan is issued, or provide the car purchase agreement (contract) plus the down payment invoice (or the receipt stamped with the dealer's official seal). After the loan is issued, the full car purchase invoice (if not provided before the loan is issued) and the vehicle purchase tax payment certificate must be provided.

6. Proof of repayment ability: our payroll customers can directly provide their payroll account flow; Social security account flow or personal tax bill, etc.

If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.

(If you have any other questions, please visit "Online Customer Service" of China Merchants Bank for consultation.

(Website: /cmu/icslogin.aspx? from = B& amp； Logincmu=0), we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank! )