Nowadays, cars have become an indispensable consumer product in people's lives, and most people can realize their desire to buy a car through loans. I suggest that you must choose a regular car loan platform. Today, we will introduce Shang Hui Bank's car loan and matching parking space loan.

I. Personal car loans

Personal automobile consumption loans refer to loans granted by banks to borrowers for purchasing non-profit automobiles (except used cars). Including indirect and direct business models. The maximum loan amount does not exceed 6,543,800 yuan, and does not exceed 80% of the price of the purchased car. The longest loan period shall not exceed 5 years.

Application conditions:

1, a natural person with full capacity for civil conduct;

2. It has a legal and valid identity certificate and a stable residence in the city where the loan handling bank is located;

3. Have a stable occupation and income source, and have the ability to repay the loan principal and interest in full;

4. Have a good credit record and willingness to repay;

5. Self-raised down payment shall not be less than 20% of the total vehicle price;

6. Other conditions stipulated by the bank.

Second, parking loans.

Personal parking loan refers to loans granted by banks to borrowers of personal housing loans and personal second-hand housing loans, which are used to purchase supporting parking spaces (including garages) in the same building and community as the purchased real estate.

The maximum loan amount is 80% of the contract price of the purchased parking space; The maximum loan amount for a single parking space is 300,000 yuan; The longest loan period is 30 years, and shall not exceed the loan period of the corresponding housing loan.

Application conditions:

1, which meets the relevant requirements of the borrower's conditions for personal housing loans and personal second-hand housing loans;

2. Pay the down payment for the parking space as agreed in the contract.