Generally speaking, the lender is a valid personal identity document when handling the car loan process. Including resident identity cards, household registration books, etc. If the borrower is married, please provide proof of spouse identity (note: under the same conditions, married people are more likely to get loans than unmarried people). The auto loan provisions are as follows:

Application materials to be provided:

1. Personal valid ID. Including resident identity cards, household registration books, etc. If the borrower is married, the identity certificate of the spouse shall be provided;

2. Certificate of intention to buy a car issued by the car dealer;

3. Household registration certificate or long-term residence certificate;

4. Personal income certificate, family income or property certificate when necessary;

5. If the purchased vehicle is secured by other means other than mortgage, relevant materials for the guarantee shall be provided;

6. Proof of down payment for car purchase;

7. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation.

2 car loan matters needing attention:

1. Loan target: a natural person with full civil capacity, aged 18 to 60 years old (inclusive);

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;

3. Loan term: the purchased vehicle is for personal use, and the longest loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years;

4. Loan interest rate: subject to the loan interest rate regulations of China Construction Bank;

5. Repayment method: If the loan term is less than one year, you can use any repayment methods such as monthly interest, matching principal and interest repayment, average capital repayment and one-time repayment of principal and interest. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.