1. Loan target:/kloc-a natural person with full civil capacity aged from 0/8 to 60 (inclusive);

2. 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, and the loan amount for commercial trucks shall not exceed 60% of the price of the purchased vehicle;

3. Loan term: the purchased vehicle is for personal use, and the loan term shall not exceed 5 years at the longest; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years;

4. Loan interest rate: subject to the loan interest rate regulations of China Construction Bank;

5. Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest payment, matching principal and interest repayment, 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 capital 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:

1. customer application: the customer applies to the bank, fills in the application form in writing and submits relevant materials at the same time;

2. After signing the contract, the bank will review the application materials submitted by the borrower, and both parties will sign a loan contract and a guarantee contract, and handle relevant notarization and mortgage registration procedures as appropriate;

3. Lend a loan. After all the formalities are completed, the bank will directly transfer the loan approved by the bank to the account of the automobile dealer according to the contract;

4. Repayment on schedule, the borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;

5. loan settlement. Loan settlement includes normal settlement and early settlement, as follows:

(1) Normal settlement: settlement on the maturity date of the loan (one-time repayment of principal and interest) or settlement in the last installment of the loan (installment repayment);

(2) Early settlement: Before the loan maturity date, if the borrower settles part or all of the loan, it must apply to the bank in advance according to the loan contract, and the repayment will be made at the designated accounting counter after the approval of the bank.

After the loan is settled, the borrower will take back the legal documents and related certification materials 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.

3 used car mortgage processing: