(a) The lender's credit rating of the borrower.
(2) loan guarantee.
(three) the performance and use of the purchased car.
(four) the development of the automobile industry and the supply and demand of the automobile market.
Other provisions on loan for car purchase.
"Measures for the Administration of Automobile Loans" Article 19 A borrower applying for an institutional automobile loan must meet the following conditions:
(1) Legal documents proving the borrower's subject qualification, such as business license of enterprise legal person or certificate of institution legal person, business license of branch legal person and business license of individual industrial and commercial households.
(2) It has legal and stable income or legal assets sufficient to repay the loan principal and interest.
(3) Being able to pay the prescribed down payment.
(4) No major breach of contract or bad credit record.
(5) Other conditions required by the lender.
Refer to the above? China government network-measures for the administration of automobile loans