Hello, if you need to handle our loan business, the following is an example of Shenzhen auto loan. Please first understand that the handling bank will comprehensively evaluate the information you provide. If you have this requirement, you can try to submit the information to the handling bank. Whether the loan can be granted depends on the audit results of the handling bank:

Loan object and conditions

1. Meet the basic requirements of our retail loan customers.

2. Foreigners or residents of Hong Kong, Macao and Taiwan must also meet the relevant requirements of the state for foreigners to purchase commercial housing.

3. 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).

4. Personal car loan customers must be local residents where the institution is located.

5. Age plus loan period shall not exceed 60 years old. If two or more applicants apply for a loan, the loan period can be reasonably determined according to the actual situation, but at least 65,438+0 borrowers are not over 60 years old.

6. Other conditions stipulated by this institution.

amount of loan

1. The maximum loan amount is 2 million yuan.

2. The maximum loan amount shall not exceed 80% of the purchased vehicle price (excluding all kinds of additional taxes and premiums).

3. The maximum amount of personal car loan for imported cars shall not exceed 70% of the purchased car price (excluding all kinds of additional taxes and insurance premiums).

deadline

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).

Basic process

1. Unless otherwise specified, the basic process of personal car loan shall be handled with reference to the relevant provisions in the process part of this specification.

2. Commercial acceptance

(1) Individual auto loan applicants can apply for loans from our bank or wait for the auto dealers whose information is forwarded by our partners.

(2) To apply for a loan through the information provided by the partner, the application materials shall be submitted as required by the bank. The bank shall provide the partner with a list of loan application materials and specify the basic requirements of relevant materials.

If you have any other questions, please visit the Online Customer Service of China Merchants Bank (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!