The materials required for auto loan are: 1. Personal loan application; Two, I and my spouse's valid identification; Three, I and my spouse's occupation, position and income certificate; 4. Marriage certificate (unmarried certificate is required) and household registration book; 5. Original ID card, residence booklet or other valid proof of residence, and provide a copy; Six, the car purchase contract signed with the dealer; 7. Proof of deposit or down payment, etc.
Legal objectivity:
What are the requirements for auto loan: the application materials submitted by the borrower:1; Application materials to be provided: (1) personal loan application form; (2) Personal valid identity documents. 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, the identity certificate of the spouse shall be provided; (3) proof of household registration or long-term residence; (4) personal income certificate, family income or property certificate when necessary; (5) Certificate of intention to buy a car issued by the automobile dealer; (6) proof of down payment for car purchase; (7) If the purchased vehicle is secured by other means than mortgage, the relevant materials of the guarantee shall be provided, including the certificate of pledge of rights, the certificate of ownership and evaluation of mortgaged real estate, and the letter of intent for third-party guarantee, etc. 2. The handling bank conducts preliminary examination on the application materials submitted by the borrower, and conducts credit investigation and customer evaluation on the borrower; 3, through the preliminary examination and credit investigation, in line with the loan approval conditions; 4. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower; 5. After the loan contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase. Note: 1. Loan target:/kloc-a natural person aged 0/8 to 60 with full capacity for civil conduct. 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, of which the loan amount of the commercial vehicle shall not exceed 60% of the price of the purchased vehicle; If the purchased vehicle is a used car, the loan amount shall not exceed 50% of the price of the car purchased by the borrower. 3. Loan term: If the purchased vehicle is for personal use, the loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle or a used car, and the loan period does not exceed 3 years. 4. Guarantee method: To apply for personal car loan, the borrower must provide certain guarantee measures, including pledge, mortgage of the car purchased by the loan, mortgage of real estate, third-party guarantee, etc. You can also buy personal car loan performance guarantee insurance.