Are you the staff who handle car loans in China Construction Bank?

It is the internal staff of CCB who handle the car loan. 1. Apply for a car loan in a bank or car loan institution, fill in the corresponding application form, and submit relevant materials as required, such as ID card, household registration book, income certificate, etc.

After the loan, it must be repaid on time every month. If the car loan is overdue for more than 3 months, the overdue record can be entered into the credit information system. If the circumstances are serious, the defendant may be brought to court and have the right to tow the car away, and the proceeds will be used to pay off debts through court auction.

2. After approval, a loan contract and a guarantee contract can be signed, and relevant notarization and mortgage registration procedures can be handled when necessary;

3. The bank agrees to issue loans and transfer the money to distribution in the way agreed in the contract.

: How to apply for a car loan?

1. Go to the local dealer's 4S shop to negotiate the car price and ask the 4S cooperative bank before making a decision.

2. Prepare personal application materials for car loan (take mine as an example: 6-month running of the bank, details of personal provident fund, ID card, CCB credit card, household registration book, marriage certificate and income certificate issued by the unit).

3. Contact CCB car loan personnel and submit application materials.

4. When waiting for the audit of CCB, the general audit time is 3- 15 working days, which will be different according to your personal situation.

5. After the approval, CCB will send a letter to the 4S store to inform you that the application has passed and you can pay the down payment. Then you can contact the sales staff of 4S to choose a car, pay the down payment and buy tax insurance.

6. Generally, it takes 3-7 working days to wait for the bank to lend money, and the loan will change due to the bank's loan amount. Some branches or sub-branches can only lend money next month after the loan amount is released in the current month.

7. Congratulations after the bank informs the lender that you can choose a good day to pick up the car and get the card.

Vehicle loan conditions?

1. The loan applicant must be at least 18 years old and have full capacity for civil conduct;

2. Have signed a car purchase contract and have the ability to pay the down payment;

3. Have a good credit record and no other overdue information on car loans;

4. Have a stable source of income and be able to repay on time;

5. Have a legal identity certificate, and some places also require mortgaged items or real estate licenses;

6. In addition, we need to pay attention to some local regulations on car loans.