What are the application conditions for Tianjin Bank car loan? Meet these!

Many banks now have car loan businesses. If you want to buy a car but don’t have enough money, you can try to apply for a bank car loan. In addition to state-owned commercial banks, there are also many city commercial banks with very good products, with low application thresholds and fast disbursements. Today we will introduce the relevant content of Tianjin Bank car loans.

1. Product Introduction

Personal automobile consumption loans are issued to borrowers and are used to purchase automobiles guaranteed by bank-confirmed automobile dealers. Loan vehicles include economical family-use vehicles or commercial vehicles, excluding operating vehicles and engineering vehicles.

1. "Direct-to-customer" car loan - the borrower can directly apply for a loan to the bank.

2. Group car purchase loans - Employees of groups or large state-owned enterprises collectively purchase cars and apply for loans. The bank will design high-quality and efficient car purchase and loan projects based on the individual requirements of the enterprise.

3. After bank loan approval, the borrower can pick up the car within 24 hours.

4. Professional guarantee companies will handle vehicle registration, vehicle maintenance, insurance and other procedures for free.

2. Application conditions

1. Have a permanent urban residence in this city, or a valid residence status, and have full capacity for civil conduct.

2. Have good repayment willingness and good credit status.

3. Have a certain proportion of self-financing for car purchases.

4. Other conditions stipulated by the lending bank.

This product is suitable for the following customers:

1. Fashionable people who do not have enough own funds to pay for the entire car purchase.

2. Although you can buy a car in full with your own funds, there are still successful people who need other things.

3. Have strong financial management ability.

3. Car loan details

1. Loan period: up to 3 years.

2. Loan amount: The maximum loan percentage can reach 70%.

3. Loan interest rate: in accordance with relevant regulations of the People's Bank of China.

4. Repayment methods: equal amounts of principal and interest, equal amounts of principal, and other repayment methods allowed by the bank.

4. Application materials

All branches of Tianjin Bank can accept loan applications. Information required:

1. Identity certificate of the borrower, spouse, *** and borrower;

2. Proof of marriage relationship;

3. Proof of professional income of the borrower and ***;

4. Commercial housing purchase contract or agreement;

5. Other supporting documents required by the lending bank.

What are the conditions for foreigners to get a loan to buy a car in Tianjin?

Many people from outside the country working in Tianjin would like to take out a loan to buy a car, but they don’t know what conditions are required. Today we will explain the conditions for outsiders to take out a loan to buy a car in Tianjin.

1. The borrower has a valid identity certificate and has full capacity for civil conduct;

2. The borrower can provide proof of a fixed and detailed address;

3 . The borrower has a stable career and the ability to repay the principal and interest of the loan on time;

4. The borrower has good personal social credit;

5. The borrower holds a car purchase contract recognized by the lender or agreement;

6. Other conditions stipulated by the cooperative agency

Can foreigners buy a car in Tianjin and pay in installments? What documents are required?

Outsiders can pay in installments when buying a car in Tianjin. The required documents are as follows:

1. ID card

2. Loan application form

3. Housing certificate

4. Proof of personal income

5. Guarantor's ID card or household registration book

6. Over 18 years old and under 60 years old

7. Resident with permanent residence in the location and having a fixed residence in the location

8. Have the ability to repay the principal and interest of the loan, have a stable income, and the monthly payment does not exceed 60% of the total disposable income of the family

9. Have opened a "All-in-One Card" account.

Instalment payments are mostly used in product transactions with long production cycles and high costs. Such as the export of complete sets of equipment, large-scale vehicles, heavy machinery and equipment and other products.

The method of installment payment is that after the import and export contract is signed, the importer first pays a small part of the payment to the exporter as a deposit, and the rest of the payment is paid after part or all of the product is produced, shipped, and shipped. Or repay in installments when the goods arrive for installation, commissioning, investment and the expiration of the quality guarantee period.

The buyer and seller sign a contract at the time of closing the transaction, and the buyer pays the seller in installments for the purchased goods and services within a certain period of time. The date and amount of each delivery of goods are stated in the contract in advance.