The personal commercial vehicle loan amount shall not exceed 60% of the car purchase price of the borrower (the down payment shall be at least 40%, unless otherwise approved by the Head Office). The car price in this article refers to the lower of the actual transaction price of the car (excluding various additional taxes and insurance premiums, etc.). ) and the price announced by the car manufacturer.

Individual commercial vehicle loan applicants shall meet the following conditions:

(a) People's Republic of China (PRC) (China) citizen, aged between 18 and 60 inclusive, with full capacity for civil conduct and legal and valid identification.

(2) It has the household registration certificate or valid residence certificate of the place where the handling bank is located, and its business activities are legal and compliant, in which the individual commercial vehicle loan applicant needs to be affiliated with a transportation company or operating fleet with legal intercity passenger transport operation rights or transportation operation rights; The borrower of construction machinery truck loan needs to obtain the construction qualification of the project.

(3) The credit record and income level comply with the relevant provisions of the Measures for the Administration of Personal Credit Information Business of Agricultural Bank of China, and have the ability to repay credit information on schedule.

(four) the car purchase behavior is true, and it can pay the down payment of not less than the prescribed proportion.

(5) Being able to provide qualified guarantee.

(six) before the implementation of credit business, open a current deposit settlement account or bank card account in China Agricultural Bank, and be willing to accept the credit supervision and settlement supervision of China Agricultural Bank.

(7) Personal credit rating is above Grade A (general grade) (inclusive).

(eight) other conditions required by the handling bank. Note: The specific business type, handling process and handling conditions are subject to the relevant regulations of local branches.

The term of personal commercial vehicle loans shall not exceed 3 years at the longest, and the maturity date of passenger car and truck loans shall not exceed the maturity date of vehicle affiliation agreement at the longest. The loans shall be recovered at maturity and shall not be extended. For specific business development, it is recommended to consult the local Agricultural Bank outlets nearby.