If the personal account of the car buyer is not local, it shall provide joint and several liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan. \ x0d \ x0d \ automobile loan refers to the loan issued by the lender to the borrower who applies for buying a car, also called automobile mortgage. \ x0d \ x0d \ loan conditions: the borrower has a stable job, the ability to repay the loan principal and interest, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability. Loan amount: The maximum loan amount generally does not exceed 80% of the price of the purchased car. Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years. \ x0d \ x0d \ Application conditions: \x0d\( 1) The car buyer must be 18 years old and a China citizen with full civil capacity. \x0d\(2) A car buyer must have a relatively stable job, a relatively stable economic income or assets that can be easily realized before he can repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products. \x0d\(3) During the loan application period, the car buyer deposited the down payment of car purchase into the bank savings counter account, which was lower than that stipulated by the bank. \x0d\(4) Provide bank-approved guarantee. 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. \x0d\(5) Car buyers are willing to accept other conditions deemed necessary by the bank.