(1) People's Republic of China (PRC) citizens, or Hong Kong, Macao and Taiwan residents and foreigners who have lived in People's Republic of China (PRC) for more than one year (including one year).
(2) Having valid identity documents, a fixed detailed address and full capacity for civil conduct.
(3) Personal legal assets with stable legal income or sufficient to repay the loan principal and interest.
(4) Personal credit is good.
(5) Being able to pay the down payment as required.
(6) Other conditions required by the lender.
Other provisions on buying a car by mortgage.
Measures for the Administration of Automobile Loans Article 27 Lenders shall establish a classified monitoring system for automobile loans according to factors such as loan amount, regional distribution of loans, financial status of borrowers, automobile brand and mortgage guarantee. , regularly check and evaluate the risks of different types of auto loans. According to the inspection and evaluation results, adjust the risk level of various auto loans in time.
Twenty-eighth lenders should establish an early warning monitoring and analysis system for automobile loans and formulate early warning standards; After exceeding the early warning standard, measures such as reassessing the loan approval system should be taken.
Refer to the above? China government network-measures for the administration of automobile loans