Requirements: The car buyer must be 18 years old and a China citizen with full civil capacity. Car buyers must have a relatively stable job and a relatively stable economic income or have assets that are easy to realize. During the period of applying for a loan, car buyers should deposit no less than the down payment stipulated by the bank in the account of the bank savings counter.

Application process;

1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time.

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate.

3. issue loans. The loan approved by the bank will be directly transferred to the car dealer's account by transfer according to the contract after all formalities are completed.

4. After the loan is settled, the borrower should take back the legal documents and relevant supporting documents kept 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.

Extended data:

Information required for loan car purchase:

1. Apply for personal loan. Personal valid identity document. 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.

2. Household registration certificate or long-term residence certificate. Personal income certificate, and provide family income or property certificate when necessary; 5. Certificate of intention to buy a car issued by the car dealer. Loan to buy a car down payment certificate.

3. 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.

4. 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 vehicle's affiliation agreement with the transport fleet and the lease agreement.