Second-hand car loans have higher requirements for borrowers. Generally speaking, the borrower should have a suitable job, a stable income, a good credit record and a local account, and be between the ages of 25 and 55.
Materials to be submitted when applying for a second-hand car loan from CCB.
(1) Personal loan application;
(2) Personal valid identity documents. Including resident identity cards, household registration books, official documents, passports, passports of Hong Kong, Macao and Taiwan compatriots, etc. 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 means other than mortgage, the relevant materials of the guarantee shall be provided, including the pledge certificate, the certificate of ownership and evaluation of the mortgaged property, and the letter of intent for third-party guarantee, etc.
(8) If the borrowed vehicle 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 and lease agreement with the transport fleet;
The vehicle purchased by the loan is a second-hand car, and a vehicle evaluation report issued by an evaluation agency recognized by China Construction Bank (participating in option stock trading and simulated stock trading) is also required; Vehicle seller's vehicle ownership certificate, motor vehicle registration certificate of trading vehicle, vehicle annual inspection certificate, etc.
Handling process of CCB's used car loan:
① The borrower submits the application materials;
(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;
(three) through the preliminary examination and credit investigation, to approve the loan application that meets the loan conditions;
(4) If it is approved, notify the borrower to go through relevant procedures such as contract signing, lending, mortgage or pledge; Failing to pass the examination and approval, it shall explain the situation to the borrower;
⑤ After the loan contract comes into effect, the handling bank will issue the loan. 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.
How to handle the second-hand car loan of CCB? The above is the settlement process of CCB's second-hand car loan. You can refer to it when dealing with it, I hope it will help you. For more information about CCB's second-hand car loan, please pay attention to the owner loan column.
Million car purchase subsidy