Some netizens plan to borrow money to buy a car because the salary card belongs to ICBC. I heard that ICBC has a car loan. I want to know how to apply for a car loan from ICBC. What conditions do I need to meet? Here is a brief introduction.

Personal car loan is a RMB-guaranteed loan issued by Industrial and Commercial Bank of China to customers who apply to buy their own cars. The maximum loan amount can reach 80% of the purchase price, and the maximum loan period is 5 years. Borrowers can apply directly at ICBC outlets (direct customer service), or at ICBC special automobile dealers, and the dealers can apply on their behalf (indirect customer service).

No matter how it is handled, the following conditions must be met and the corresponding information must be provided:

I. Application conditions

1. Natural persons with full capacity for civil conduct are between 18 (inclusive) and 60 (inclusive). If the borrower is a foreigner and a resident of Hong Kong, Macao and Taiwan, he shall have lived in People's Republic of China (PRC) for at least 1 year and have a fixed residence and occupation, and provide a local contact person;

2. Have a legal and valid identity certificate, household registration certificate or valid residence certificate, marital status certificate or unmarried statement in the city where the loan bank is located;

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

4. It has a stable legal income source and the ability to repay the loan principal and interest in full and on time;

5. Being able to provide effective rights pledge or collateral recognized by the Bank or a third-party guarantee with compensatory capacity;

6. Being able to pay the down payment of the purchased vehicle at no less than the specified proportion;

7. If it is an "individual" loan, you also need to hold a car purchase agreement or a car purchase contract signed with a special dealer;

8. The borrower's single household (including spouse) has no more than three personal automobile consumption loans in ICBC (except those that have been settled);

9. Open a personal settlement account in China Industrial and Commercial Bank;

10. Other conditions stipulated by the bank.

Second, the required information

1. Valid identity documents of the borrower and its spouse, household registration certificate or valid residence certificate of the city where the loan bank is located, marital status certificate or unmarried statement;

2. Personal income certificate (personal tax payment certificate, salary certificate, average financial assets in ICBC or other banks in the past 6 months);

3. The bank deposit certificate of the down payment or the relevant certificate issued by the dealer;

4. Car purchase contract or car purchase agreement;

5. Vehicle insurance contract, vehicle certificate (if the purchased vehicle is a domestic vehicle), inspection sheet of imported motor vehicle and import certificate of goods (if the purchased vehicle is an imported vehicle), and purchase invoice;

6. Proof materials related to loan guarantee;

7. Proof of personal settlement account opened in China Industrial and Commercial Bank;

8. Other information required by the bank.

How to conduct China Industrial and Commercial Bank automobile mortgage?

Treatment process

1. The lending institution receives the information provided by the applicant;

2. Visit the applicant's home, investigate and estimate the vehicle value;

3. The lending institution initially sets the loan amount;

4. Handling entrustment notarization and loan notarization;

5. The lending institution accepts the relevant documents of the applicant;

6. Go through the mortgage registration formalities

7. loans.

Requirements and materials for applying for car loan service for car mortgage:

1. has a stable occupation, and the applicant has the ownership of the local mortgaged vehicle.

2, living and working in the city for a long time, to carry out business occupation and economic income.

3, motor vehicle registration certificate, driving license, purchase tax additional proof (this), car purchase invoice.

4. Insurance policy, travel tax, and relevant tax payment certificates for imported vehicles.

5. ID card (temporary residence permit or residence permit within the validity period provided by non-local account customers).

6. Other documents required by the Cooperation Organization.

Extended data:

According to the automobile loan management measures:

Article 22 The amount of loans for self-use automobiles issued by lenders shall not exceed 80% of the price of automobiles purchased by borrowers; Commercial vehicle loan amount shall not exceed 70% of the price of the car purchased by the borrower; The second-hand car loan amount shall not exceed 50% of the price of the car purchased by the borrower.

The car price mentioned in the preceding paragraph refers to the lower of the actual transaction price of the car (excluding various surcharges, fees and premiums) and the new car price announced by the automobile production enterprise, and the lower of the actual transaction price of the car (excluding various surcharges, fees and premiums) and the lender's evaluation price of the used car.

Article 23 A lender shall establish a borrower's credit rating system and carefully determine the borrower's credit rating. For individual borrowers, the credit rating should be determined according to their occupation, income status, repayment ability, credit record and other factors; For dealers and institutional borrowers, the credit rating should be determined according to the information reflected in their credit files, the credit status of senior managers, financial status, credit records and other factors.

Article 24 When granting auto loans, the lender shall require the borrower to provide mortgage or other effective guarantee for the purchased car.

Article 25 The lender shall directly or entrust a designated dealer to accept the application for auto loan, improve the separation system of loan examination, and strengthen the pre-loan examination and post-loan follow-up collection.

Article 26 The lender shall establish a second-hand car market information database and a second-hand car residual value evaluation system.

Article 27 The lender shall establish an auto loan classification monitoring system according to the loan amount, regional distribution of loans, financial status of borrowers, auto brand, mortgage guarantee and other factors. , and regularly check and evaluate different types of auto loan risks. According to the inspection and evaluation results, adjust the risk level of various auto loans in time.

Twenty-eighth lenders should establish an early warning monitoring and analysis system for automobile loans and formulate early warning standards; After exceeding the early warning standard, measures such as reassessing the loan approval system should be taken.

Article 29 A lender shall establish a system for classifying non-performing loans and a prudent loan loss reserve system, and draw corresponding risk reserves.

Article 30 When granting mortgage loans, the lender shall carefully evaluate the value of the collateral, fully consider the impairment risk of the collateral, and set the upper limit of the mortgage rate.

Article 31 The lender shall timely input the information related to auto loans into the credit registration consulting system, and establish an information exchange system with other lenders.