2. The company shall bear all problems arising from the use of vehicles, including traffic accidents.

If you are worried about the repayment of the loan. You can sign a car rental contract with the company. That is, the car you buy is given to the company in the form of rent, and the rent is set as the monthly car mortgage amount. In this way, the bank took back the car before the loan was paid off. The loan is paid off, and the car belongs to you personally.

Application conditions

To apply for a car loan, you must buy a limited range of cars at a special dealer recognized by the bank and apply for a car loan.

Loan buyers must also meet the following conditions:

(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.

(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.

(3) During the loan application period, the car buyer shall deposit no less than the down payment stipulated by the bank in the account of the bank savings counter.

(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.

(5) Car buyers are willing to accept other conditions deemed necessary by the bank.

If the applicant is an enterprise or institution with legal personality, it shall meet the following conditions:

(1) has the ability to repay bank loans.

(2) During the loan application period, it shall not be less than the down payment for car purchase stipulated by the bank and deposited in the bank accounting department.

(3) Provide the bank with an approval guarantee.

(4) Willing to accept other necessary conditions proposed by the bank.

The special dealer referred to in the loan refers to the automobile dealer who is selected by the branches at all levels of the bank according to the financial strength, market share, credibility and other factors of the dealer, and then reported to the head office, and signed an automobile consumption loan cooperation agreement with each branch after confirmation by the head office.

information needed

1: personal loan application.

2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, proof of spouse's identity shall be provided.

3. Household registration certificate or long-term residence certificate.

4. Personal income certificate, family income or property certificate when necessary.

5. Certificate of intention to buy a car issued by the car dealer.

6: Loan to buy a car down payment certificate.

7. If the purchased vehicle is secured by other means than mortgage, the relevant materials of the guarantee shall be provided, including the pledge certificate, the ownership certificate and evaluation certificate of the mortgaged real estate, and the letter of intent for third-party guarantee, etc.

8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the affiliation agreement and lease agreement for the vehicle to be affiliated with the transportation fleet.

9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by CCB; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.

Refer to the above content: Baidu encyclopedia-loan to buy a car