Now many banks have car loan business. If you want to buy a car and don't have enough money, you can try to apply for a bank car loan. In addition to state-owned commercial banks, there are many city commercial banks whose products are also very good, with low application threshold and fast payment. Today, we will introduce the related contents of bank of tianjin car loan.

I. Product introduction

Personal automobile consumption loan is a car guarantee loan issued to the borrower to buy cars sold by car dealers confirmed by the bank. Loan vehicles include economical vehicles or commercial vehicles for family use, excluding operating vehicles and engineering vehicles.

1, "direct car loan"-the borrower can apply for a loan directly from the bank.

2. Group car loan-employees of a group or a large state-owned enterprise collectively buy a car to apply for a loan, and the bank will design high-quality and efficient car loan projects according to the individual requirements of the enterprise.

3. The borrower can pick up the car within 24 hours after the bank loan is approved.

4. Professional guarantee companies shall go through the formalities of vehicle registration, vehicle service and insurance for free.

Second, the application conditions

1, with permanent residence in this city, or valid residence status, with full capacity for civil conduct.

2. Have good repayment willingness and good credit status.

3. There is a certain proportion of self-financing for car purchase.

4. Other conditions stipulated by the lending bank.

This product is suitable for the following customers:

1, a fashion group whose own funds are not enough to pay for all the car purchases.

Although you can buy a car in full with your own funds, there are other successful people who need it.

3. Strong financial management skills.

Third, the details of car loans.

1. Loan term: up to 3 years.

2. Loan amount: The maximum loan ratio can reach 70%.

3. Loan interest rate: It shall be implemented in accordance with the relevant regulations of the People's Bank of China.

4. Repayment method: equal principal and interest, average capital and other repayment methods allowed by the bank.

Four. Application material

All branches in bank of tianjin can accept loan applications. Information to be provided:

1. Identification certificates of the borrower, spouse and borrower;

2. Proof of marriage relationship;

3. The borrower and the borrower's professional income certificate;

4, commercial housing purchase contract or agreement;

5. Other supporting documents required by the lending bank.