In the pre-loan investigation, the loan applicant carefully fills in the Pre-loan Pre-examination Form and submits it to the bank for preliminary examination.

The bank initially completed the loan qualification examination of the applicant through the Pre-loan Pre-examination Form, and the bank informed the loan applicant to prepare personal loan application materials, which met the bank loan standards. Materials for handling loan and car purchase procedures

Personal loan application;

Personal valid identity document. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;

Household registration certificate or long-term residence certificate;

Personal income certificate, and provide family income or property certificate when necessary;

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

Proof of down payment for car purchase;

If the purchased vehicle is secured by other means than mortgage, relevant materials of the guarantee shall be provided, including the pledge certificate of rights, the ownership and evaluation certificate of mortgaged real estate, and the letter of intent for third-party guarantee, etc. ;

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, such as the attachment agreement and lease agreement for the vehicle to be attached to the transport fleet;

The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a car purchase intention certificate and a vehicle evaluation report issued by an evaluation agency recognized by the bank; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.

Legal basis: Article 4 of the Measures for the Administration of Automobile Loans The term "self-use automobile" as mentioned in these Measures refers to the non-operating automobile purchased by the borrower through automobile loans; Commercial vehicles refer to for-profit vehicles purchased by borrowers through car loans; Used car refers to a car that has changed its ownership and gone through the transfer formalities according to law from the date of registration to the date of reaching the national compulsory scrapping standard; New energy vehicles refer to vehicles that use new power systems and are completely or mainly driven by new energy, including plug-in hybrid (including extended range) vehicles, pure electric vehicles and fuel cell vehicles.

Article 5 The interest rate of auto loans shall be implemented in accordance with the loan interest rate regulations published by the People's Bank of China, and the methods of interest calculation and settlement shall be determined by both borrowers and borrowers through consultation.