First, CCB mortgage car loan application conditions
1. The applicant is over 18 years old and can provide identity documents.
2. The applicant has a stable job, considerable income and repayment ability.
3. It can provide mortgage guarantee measures approved by the loan bank for automobile loan mortgage.
4. The applicant can provide the corresponding mortgage materials for automobile loans and has a good credit record.
Two, CCB mortgage car loan processing process
1. First, the lender needs to apply for a loan from China Construction Bank and submit the loan materials prepared in advance.
2. CCB staff will review the information submitted by the lender.
3. After approval, CCB staff need to sign loan contract, guarantee contract and mortgage procedures with the lender.
4. Finally, the applicant waits for the bank to lend money, and the lender needs to repay the loan on schedule according to the contract.
5. After paying off the loan, the lender needs to go to China Construction Bank to cancel the mortgage contract.
Three, CCB mortgage car loan interest rate
It is understood that the three-year annual interest rate of China Construction Bank's auto loan is normal. During this period, interest is closely related to the loan amount, and interest = loan amount * annual interest rate *3. The overall loan interest rate is mainly subject to the loan interest rate regulations of China Construction Bank.
Note that the vehicles purchased by applying for CCB auto loan are self-use vehicles, and the longest loan period cannot exceed five years; The purchased vehicle is a commercial vehicle, and the loan period cannot exceed three years.