1. Fast approval speed: the results will be available the next day after the normal materials are submitted. Examination and approval materials: basic materials (ID card, household registration book, marriage certificate, driver's license)+financial materials (bank account, income certificate/business license)+residence certificate.

2. Quick loan: the loan can be released the next day after the normal registration certificate is handed over to the bank account manager.

3. Low interest rate: 6.3% per month (personal accident insurance is required)

4. Insurance: car damage insurance and theft insurance only need to be higher than the loan amount.

First, the loan application conditions

1. Basic requirements of the applicant

The applicant must be a natural person with full capacity for civil conduct, aged 18-60 years old, living in the local area, with stable income and good credit record. The applicable groups are as follows:

1. Local hukou+local job+local residence

2. Local hukou+work in different places+local real estate

3. Non-local hukou+one-year medical and social security or one-year payroll details+local hukou.

4. Non-local hukou+local hukou one year after the establishment of the enterprise.

5. Non-local hukou+1 year local real estate+local work

note:

1. Local accounts include: Fuzhou, Xiamen, Quanzhou, Zhangzhou and Putian.

2. Sanming only does: Sanming City, Datian and Youxi.

3. Only Ningde: Ningde City, Gutian and Fuding.

Customers with an estimated price of more than 500,000 can register in the whole province, and those with less than 500,000 need to find Fuzhou hukou and people with real estate in Fuzhou as guarantees.

(2) Basic requirements of loan instruments

1. The service life shall not exceed 5 years (subject to the date of first registration).

2. The vehicle mileage is within 80,000 kilometers.

3. Lending vehicles must go through mortgage registration, and the registration materials include: motor vehicle registration certificate, motor vehicle purchase invoice, commercial insurance policy, invoice, approval form and other originals.

4. The insurance period of the insurance policy should be: loan period+1 month.

5. The beneficiary of auto insurance is Ping An Bank Co., Ltd. * Sub-branch.

Two. Term, proportion, amount and interest rate of the loan

1. Loan term: 12, 24 and 36 installments.

2. Loan ratio: 50% of the appraised price.

3. Loan amount: minimum 40,000 and maximum 5 million.

4. Loan interest rate: 6.24% for one year, 6.29% for two years and 6.34% for three years.

5. Auto insurance (designated insurance company), compulsory insurance types: car damage insurance, third party liability insurance (not less than 200,000 yuan), theft and emergency rescue, excluding deductible, etc.

Three. Processing program

Four. Repayment method

Equal monthly repayment of principal and interest. You can apply for early repayment after one year, free of liquidated damages and interest. If it is less than one year, 5% of the remaining amount will be charged as liquidated damages.

Verb (abbreviation of verb) charging standard

1. Consulting service fee: loan amount ×4%

2. Insurance premium: subject to the specific invoice amount.

Note: Face-to-face bank signing is double signing for other married customers, except for high-quality professional customers with salary and medical insurance for more than one year.

Million car purchase subsidy