How to apply for ICBC car loan? Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also known as auto mortgage. Now many banks have also launched auto loan business, and ICBC is no exception. So, how does ICBC handle auto loans? Please have a look with Bian Xiao. I. ICBC's auto loan process 1. Customer application. Apply to the bank, fill in the application form in writing, and submit relevant materials at the same time. 2. Sign the contract. After the bank examines the application materials submitted by the borrower, the two parties sign a loan contract and a guarantee contract, and handle relevant notarization and mortgage registration procedures as appropriate. 3. issue loans. The loan approved by the bank will be directly transferred to the dealer's account by the bank according to the contract after all the formalities are completed. 4. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract. 5. loan settlement. Loan settlement includes normal settlement and early settlement. ① Normal settlement: the loan shall be settled on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment repayment). ② Early settlement: Before the loan expires, if the borrower settles part or all of the loan in advance, he must apply to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after being approved by the bank. Two. Information required for ICBC's automobile loan When applying for personal automobile consumption loan in the bank, the borrower needs to submit the following information: 1. Approval form for loan application. 2. My valid ID card and a copy. 3. Original and photocopy of spouse's valid ID card, and written proof of consent to mortgage. 4. Proof of residential address (household registration book or rent, water, electricity and gas receipts for the last three months). 5. Proof of occupation and income (original and photocopy of work certificate). Bank payroll, passbook, etc. ) .6. Effective contact information and telephone number. 7. Provide proof of down payment of not less than the specified proportion. 8. Proof of loan guarantee.
Second, ICBC's auto loan process
The specific conditions and procedures are as follows:
Conditions of car loan
(1) has valid identification and full capacity for civil conduct;
(2) Can provide a fixed and detailed address certificate;
(3) Have a stable occupation and the ability to repay the loan principal and interest on schedule;
(4) Personal social credit is good;
(5) Holding a car purchase contract or agreement approved by the lender;
(6) Other conditions stipulated by the Cooperation Organization.
Automobile loan application materials
1, the original ID card, residence booklet or other valid proof of residence, and provide its copy;
2. Proof of occupation and economic income;
3 car purchase agreement, contract or letter of intent signed with the dealer;
4. Other materials required by banks or lending institutions.
The maximum loan amount generally does not exceed 80% of the price of the purchased car.
Loan Term: The loan term for general automobile consumption is 1-3 years, with a maximum of 5 years.
The repayment method can be one-time repayment of principal and interest and installment repayment (equal principal and interest, equal capital).
The above is ICBC's personal car loan business, and the specific loan amount and loan period vary according to the different grades of vehicles. Among them, the loan amount for personal car service can reach up to 80% of the car purchase price, and the loan period is up to 5 years; The loan amount for individual commercial vehicles can be up to 70% of the collateral value, but not more than 70% of the purchased vehicle price. The loan period can be up to 3 years (inclusive), of which the loan period for freight vehicles can be up to 2 years (inclusive). Personal commercial vehicle loans to buy a car have advantages, not only the loan amount is high, but also the guarantee methods are diversified and the repayment methods are very flexible. It is very tempting for consumers who want to operate city taxis, city bus lines, buses, trucks and construction machinery vehicles.
3. What are the application skills of ICBC's electronic loan?
To apply for ICBC e-loan, you have the following skills:
1. Before applying for e-loan, you can apply for a credit card of ICBC, and leaving a certain credit record in ICBC will improve the pass rate.
2. Don't apply for other loans before applying for ICBC e-loan. Other loans will increase their debts and affect their applications.
3. At the beginning of the application, the amount should not be too much and the period should not be too long. This will reduce the risk of ICBC and make it more willing to lend to applicants.
4. Try to apply online. Mobile banking, online banking and other channels are faster.
4. How to handle the ICBC auto loan?
The first step is to provide lender information: married applicants need to provide ID cards, household registration books, marriage certificates, income certificates, residence certificates and bank accounts of both husband and wife. The second part is that banks can arrange customers to examine cars, and the above three steps can be completed within two days. ICBC's car loan service is not bad.