Conditions : 1. Citizens who have reached the age of 18 and have full capacity for civil conduct; 2. Have a Beijing hukou and a fixed residence within the administrative area of Beijing; 3. The individual has a good reputation, has stable professional and economic income, and can repay the principal and interest of the loan on schedule; 4. During the loan application period, pay no less than the down payment for car purchase stipulated by the bank; 5. Willing to accept other conditions deemed necessary by the bank. The longest term of personal automobile consumption loan in : is five years (inclusive). The car price is below 70,000 yuan (including 70,000 yuan), and the longest term of personal car consumption loan is three years (including). The down payment of personal automobile consumption loan in : shall not exceed 80% of the price of the purchased car, that is, the down payment shall not be less than 20% of the purchase price. Insuranc: During the loan period, the borrower must continuously insure motor vehicle loss insurance, third party liability insurance and theft insurance, and it is clear in the special insurance agreement column that when the motor vehicl: during the loan period has an insurance accident such as theft, robbery, total loss or presumed total loss, the loan handling bank should be the first beneficiary of the insuranc: (I) Pre-loan investigation 1. The loan applicant carefully fills in the &”;Pre-loan Pre-examination Form -I&”; and submits it to the bank for preliminary examination.
2. The bank initially completes the loan qualification examination of the applicant through the &”;Pre-loan Pre-examination Form -I&”;. For the applicant who meets the bank loan standards, the bank informs the loan applicant to prepare personal loan application materials. 1) Customers applying for personal automobile consumption loans shall provid: Personal Automobile Consumption Loan Application Form; Copy of the original resident ID card and household registration book (the married person shall also provide a copy of the original spouse&;s ID card and household registration book); Proof of permanent residence; Marriage certificate; Certificate of education (bachelor degree or above is required); Proof of the borrower&;s loan repayment ability recognized by the bank, including the salary certificate or other legal income certificate issued by the unit (referring to the comprehensive family income, income certificates of all parties are required); Other relevant information that the handling bank considers necessary; 2) If the loan applicant provides a personal wage income certificate, it shall be issued by the unit to which it belongs and stamped with the official seal; If operational income certificate is provided, business license, financial statements and tax payment certificate shall be provided; If proof of rental income is provided, the lease contract, proof of ownership of the leased property and proof of rental entry shall be provided; If you provide personal financial and non-monetary assets certificates, you need to provide relevant rights certificates. If the customer is a company legal person or a private owner, it should be required to provide the business license, financial statements and other materials according to the specific circumstances to further understand the operating and financial status of the company.
3) The residence certificate of the loan applicant includes the property certificate, the house lease or sale contract and the customer residence certificate issued by the neighborhood committee or the police station. 4) If there is a guarantor, the domicile of the guarantor shall be provided.Copy of the original ID card and household registration book, income certificate, marriage certificate, education certificate, professional title or professional qualification certificate.
3. Face check
1) Before granting loans, banks must appoint account managers or business managers to meet with borrowers, understand the borrowers&; credit status, and fill in the conversation record of the pre-loan investigation of personal automobile consumption loans of Beijing Branch of the Bank; 2) Applicants should provide loan application materials and fill in the &”;Loan Application Form&”;. The bank account manager or business handling personnel shall check the original and photocopy of the loan application materials, and after confirming that they are completely consistent, they need to affix the words &”;After verification, the original and photocopy are consistent&”; and their personal seals to the retained copies.
3) Witness the signature of the loan applicant on the loan contract, relevant vouchers and other legal documents, ensure the authenticity of the signature, and sign the witness statement of the account manager.
4. Home visit survey
For each individual automobile consumption loan, the staff of our bank must personally make a home visit investigation, form a home visit investigation report and sign it for confirmation.