Bank of China’s personal consumption auto loan limit:

Personal consumption auto loans implement a system of maximum loan disbursement ratio requirements. The loan amount shall not be proportional to the price of the vehicle purchased by the borrower. Exceeds the maximum loan disbursement ratio requirement. The current maximum issuance ratio of personal consumption automobile loans is:

1. The maximum issuance ratio of self-use traditional power automobile loans is 80%;

2. The maximum issuance ratio of self-use new energy automobile loans is 85%.

The above-mentioned car price refers to the lower of the actual transaction price of the car (excluding government subsidies, and excluding various surtaxes, fees and premiums, etc.) and the price published by the car manufacturer.

(Answer time: January 18, 2024)

The above content is for your reference, please refer to the actual business regulations.

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