Application materials to be provided:
Personal valid identity document. Including resident identity cards, household registration books, etc. If the borrower is married, the identity certificate of the spouse shall be provided;
Certificate of intention to buy a car issued by the car dealer;
Household registration certificate or long-term residence certificate;
Personal income certificate, and provide family income or property certificate when necessary;
If the purchased vehicle is secured by other means than mortgage, relevant materials for the guarantee shall be provided;
Proof of down payment for car purchase;
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.
Precautions for car loan:
Loan target: a natural person with full civil capacity, aged between 18 and 60;
Loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle, of which the loan amount of the commercial vehicle shall not exceed 60% of the price of the purchased vehicle;
Loan term: the purchased vehicle is for personal use, and the longest loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years;
Loan interest rate: subject to the loan interest rate regulations of China Construction Bank;
Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest, matching principal and interest, average capital repayment, and one-time repayment of principal and interest. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.
Processing flow:
Customer application: the customer applies to the bank, fills in the application form in writing and submits relevant materials at the same time;
After the contract is signed, the bank will review the application materials submitted by the borrower, and both parties will sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate;
Lending, loan approved by the bank, after all formalities are completed, the bank will directly transfer it to the account of the automobile dealer according to the contract;
Repayment on schedule, the borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;
Loan settlement. Loan settlement includes normal settlement and early settlement, as follows:
(1) Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);
(2) Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, it must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.
After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.
How about buying a car with a Ping An loan? Hello, this is Ping An e-loan business. Ordinary workers, whose salary is more than 2000 yuan, can be handled by private enterprises with business licenses.
If you don't have a fixed job and no real estate, you have to find a friend with real estate as a guarantee, or find a loan from a guarantee company!
Ping An's car loan interest rate will rise by 30%. If you have a credit card, see if you can borrow it!
If it is a high-quality company or a listed company, the loan conditions can be reduced!
I want to apply for a loan. How to apply for a Ping An loan? It is suggested to consult the local formal Ping An loan credit manager by accelerating the loan, and be careful not to pay any fees before the loan is successful.
I just bought a car with a loan. Can I still borrow money to buy a house in Sihong? The loan application should be made at your place of work. As long as you have enough funds to repay and no bad credit record, you can apply. You already have a loan, and you are still in the repayment stage. It is ok to apply for a loan again, but the examination may be stricter. After all, you should consider whether you still have the ability to repay.
How to handle the Ping An loan in Nanjing? Ask, answer
I. Necessary conditions for Ping An Easy Loan Insurance to handle loans
(1) 21-domestic residents aged 55 (excluding Hong Kong, Macao and Taiwan residents)
(2) have lived or worked in Nanjing for more than half a year and have no household registration.
(3) On-the-job wage earners earn more than 2,000 yuan a month.
(4) The business license of private owners has been registered for one year.
(5) Having a good credit record in the credit information system of the People's Bank of China.
Second, Ping An Easy Loan Insurance Loan Application Materials
1, Ping An Easy Loan Payroll
(1) ID card
(2) Work certificate (labor contract or work income certificate issued by the unit can be used)
(3) proof of income (print out your personal punch-in account book for the last three months from the bank counter)
(4) proof of address (choose the lease contract of the last month and the documents of water, electricity, gas and telephone charges of the residence, credit card statements, tax bills, local tax invoices, official letters of institutions, such as professional qualification letters, etc.). , network bill and cable TV bill. -Note: You should be on the file.
Name and address, if not, attach relevant supporting materials)
2. Private owners of Ping An Easy Loan
(1) ID card
(2) Work certificate (business license, business premises lease contract, rent receipt)
(3) proof of income (enterprise account books and personal bank card account books for more than half a year)
(4) proof of address (choose the lease contract of the last month and the documents of water, electricity, gas and telephone charges of the residence, credit card statements, tax bills, local tax invoices, official letters of institutions, such as professional qualification letters, etc.). , network bill and cable TV bill. -Note: You should be on the file.
Name and address, if not, attach other relevant supporting materials)
3. Ping An Easy Loan Real Estate Loan (Owner)
(1) ID card
(2) Property right certificate (property right certificate, ownership certificate, house purchase contract, mortgage loan contract, one of which is enough)
(3) proof of address (water, electricity, gas and telephone bills, credit card statements, tax bills, local tax invoices, letters from institutions, such as professional qualification letters, etc.). , network bill and cable TV bill. -Note: Your name and residence address should be on the certificate, otherwise other relevant materials should be attached. )
(4) Apply for more than 40,000 yuan to provide proof of income (one of two options: ① Print out your personal punching salary log for the last three months from the bank counter; (2) issued a certificate of work income and personal card in the last three months of bank flow).
note:
1. If the property owner provides the property right certificate (property right certificate, ownership certificate, house purchase contract and mortgage loan contract)
If it is a mortgage, you must provide a bank repayment account for nearly 3 months.
2. If the latest installment of the credit card is overdue, you should repay it and provide the latest repayment voucher.
3. Shareholders must supplement the capital verification report (the shares must exceed 20%).
When printing personal daily account, go to the bank counter to see if there is a name on the bill. If you don't have a name, just deposit a few dollars in the bank card and bring the receipt with you. The name and account number are on the receipt.
Be sure to have a credit record (credit card or loan) and a good credit record.
Ping 'an Property Insurance Credit Guarantee Insurance Business Division
Please consult the staff of Ping An Easy Loan in detail, and see the respondents for contact information.
Xi 'an loans to buy a car, micro-loans and loans from China Everbright Bank. You can call me when you see your user name (Xi 'an only).
The bank working in Wuhu wants to borrow money to buy a car in Bengbu, how to handle the loan business;
1,18-a natural person aged 65;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information and no bad records;
5. Other conditions stipulated by the bank.
I don't want to buy a car through a loan from CCB now. What about the installment card issued by CCB? If you do the credit card installment of CCB.
Then you have to think for yourself. Do you want the car of your choice?
If you like, you can choose other ways to pay the balance. You don't need CCB money, and the bank won't charge you a handling fee. At maturity, the bank will recover the special installment amount.
If you don't want it, because CCB needs to pay the car down payment in installments, you have to negotiate with the dealer to deal with the related expenses.
How about Ping An loan? I just do credit safely. For small loans, the information requirements are simple. The most important thing is that the credit record should not be too bad. When the information is submitted, it usually takes about 2 days. The interest rate is a value that fluctuates according to the customer's situation. So far, we have not found that the credit is lower than that of Ping An.
How to inquire about the progress of Ping An Loan? I want to apply for a loan. What do you think of this? Inquire about the progress of the loan, go to official website and Ping An Pratt & Whitney. In short, this loan is fast, and its loan service is good and good. If you want to try a loan, it is wise to choose this one.