At present, China Merchants Bank has personal car consumption loans, which are issued by our bank to customers who buy brand-new non-operating cars under my name. It is used to pay for the car purchase, and it is impossible to borrow money. (Second-hand car loans are not supported at present) If you have seen the car you need to buy through the car dealer, you can confirm whether you have cooperation with China Merchants Bank through the car dealer. If not, you can try to contact the personal loan department at the counter of China Merchants Bank directly to apply for your loan. The handling bank needs to examine your situation in detail to determine whether you can handle it. The maximum loan amount is 2 million yuan. And the maximum loan amount does not exceed 70% of the price of the purchased vehicle (excluding various additional taxes and premiums); The loan term is generally not more than 3 years, and the longest is not more than 5 years. Specifically, you can explain your city, and we will further help you to determine whether there is this type of loan in the local area.

Application materials generally required for applying for a loan:

1. Identification information

2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.

3. Proof of local residence: fixed telephone bill for any three months in the past year, or public utility bill such as water and electricity bill, or other materials that can prove the address.

4. Guarantee certification materials

5. Proof of use: For example, a car loan refers to providing a full car purchase invoice before the loan is issued, or providing a car purchase agreement (contract) plus a down payment invoice (or a receipt stamped with the dealer's official seal). After the loan is issued, you must provide the full car purchase invoice (if not provided before the loan is issued) and the vehicle purchase tax payment certificate.

6. Proof of repayment ability: our payroll customers can directly provide their payroll account flow; Social security account running water or tax bill, etc.

If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm the information in detail through the handling bank when applying for the loan.