Application conditions

A natural person with full capacity for civil conduct has good credit, stable income and the ability to repay the principal and interest of the loan on schedule.

loan limit

If the car is mortgaged, the maximum loan amount can reach 80% of the car value;

deadline

For car purchase, decoration, education, bulk consumption and other purposes, the loan period can be up to 3 years.

loan rate

Implement the benchmark loan interest rate stipulated by the People's Bank of China or float appropriately.

Repayment method

If the loan term is within 1 year (inclusive), the repayment method of monthly interest payment, quarterly or one-time principal repayment shall be adopted; If the loan term exceeds 1 year, the principal and interest shall be repaid monthly.

Loan process

◆ The borrower applies and submits relevant materials.

◆ Conduct real estate appraisal and pre-loan investigation and approval.

◆ Pass the examination and approval and go through the mortgage registration formalities.

◆ When granting the loan, the borrower will repay the loan principal and interest on a regular basis as agreed in the contract.

◆ Settle the loan principal and interest, and handle the mortgage formalities.

Information to be provided

Personal identification, household registration book, proof of residential address and proof of marital status.

◆ Personal income certificate or asset status certificate.

◆ Property certificate of mortgage car loan.

◆ If the applicant mortgages another person's car, it is also required to provide the identity card of the owner (including co-owner), proof of marital status and written proof of consent to mortgage.

Specifically, you can go to Beijing Investment and Loan Bao for consultation, hoping to help you and hope to adopt it.