Hello! The borrower needs to have the ability to repay the loan principal and interest on time. The ratio of monthly loan expenditure to monthly income of the borrower shall be controlled below 50% (inclusive), and the ratio of monthly debt expenditure to monthly income shall be controlled below 55% (inclusive).

The loan term is generally not more than 3 years, and the longest is not more than 5 years (including the cumulative term after the loan extension).

According to the above regulations, if the repayment period is five years, the annual interest rate of the loan is 6.00%, and the repayment method is equal principal and interest repayment, the loan principal is 80,000 yuan, and the monthly payment is 65,438+0,546.62 yuan, which is higher than 50% of your income.

It does not meet the basic requirements of China Merchants Bank's automobile consumption loan.

If you have any questions, I suggest you consult "Customer Service Online" /cmu/icslogin.aspx of China Merchants Bank? from = B& amp； Logincmu=0, we will serve you wholeheartedly!