1. Can white-collar workers apply for a Ping An Auto consumer loan? What procedures are required for a car loan?

Yes, 1. Apply for a car loan. After the applicant is optimistic about the vehicle to be purchased, he or she needs to fill in the automobile consumer loan application form and credit status survey form, and submit them to the lending bank together with relevant proof of personal circumstances

2. After receiving the application, the bank will Conduct pre-loan investigation and approval.

3. After review, if the conditions are met, the bank will notify the borrower to fill in various forms, as well as loan contracts, guarantee contracts, mortgage contracts, and handle mortgage registration and insurance procedures.

4. The bank issues a loan

5. The borrower pays the down payment to the car dealer and goes through the car pick-up procedures with the passbook and the car delivery note issued by the bank.

In the process of applying for a personal car consumer loan, the applicant needs a copy of the ID card, a copy of the household register, a copy of the marriage certificate, a proof of income, a bank statement, a copy of the real estate certificate and other procedures. /youhui/xinyidaiwmcar.shtml

2. What procedures and conditions are required for individuals to apply for car loans from Ping An Bank

Personal self-use car loans: refer to the loans issued by the handling bank to natural person customers. Used to purchase a non-profit vehicle and use the purchased vehicle as return vehicle). A personal car loan issued directly to the borrower by the handling bank without cooperating with the car dealer is called a direct car loan. A car loan issued by the borrower to replace the non-loan debt for the previous car purchase is called a replacement. style personal car loan. Replacement personal auto loans are a special form of direct personal auto loans. Note: Specific business types, handling procedures, and handling conditions.

Personal car loan conditions:

(1) Citizens of the People's Republic of China, or residents of Hong Kong, Macao, Taiwan and foreign countries who have been in China (including one year) People (residents of Hong Kong, Macao and Taiwan and foreigners should also designate a local resident with certain financial strength and good reputation as the contact person);

(2) Age 18 (inclusive) to 60 (inclusive) ) years of age, have full capacity for civil conduct, and hold a legal and valid identity card

(3) Have a bank to handle the matter

(4) Credit record and income level comply with the "China Agricultural The relevant provisions of the Bank's Personal Credit Business Management Measures, and the ability to repay credit on schedule

(5) The car purchase behavior is genuine and the down payment for the car purchase is no less than the prescribed proportion; the person who applies for a replacement personal car loan , the full purchase price of the car must have been paid;

(6) A qualified guarantee can be provided;

(7) Before the credit business is implemented, a current deposit settlement account must be opened at the Agricultural Bank of China or Bank card account, willing to accept the credit supervision and settlement supervision of the Agricultural Bank of China;

(8) If the purchased vehicle is used as collateral only, the personal credit rating should be A level (general level) (inclusive) or above; in combination Adopt grade access standards;

(9) Replacement personal car loans must be submitted to the handling bank within six months after the new car is registered and licensed

(10) Requirements from the handling bank

Personal car loan process:

2. The bank conducts investigation, review, and approval;

3. Signs a loan contract;

5. Grants the loan. The loan is issued after completing the mortgage registration (or notarized mortgage) procedures. Contact your local Agricultural Bank of China for details.

The interest rate for personal-use car loans is in accordance with the relevant provisions of the "Agricultural Bank of China RMB Loan Pricing Management Measures". Please consult the local Agricultural Bank of China for details.

3. What are the conditions for Ping An Bank’s car owner loan?

The applicant holds a driving license, is between 22 and 60 years old, is a Chinese citizen, and has full capacity for civil conduct;

The applicant has a driving license for a vehicle for more than 3 months, The car is less than 10 years old. If it is a second-hand car, the property transfer time needs to be more than 3 months; 3. The personal credit information is excellent, the frequency of credit inquiries in the past two months is less than 5 times, and the debt ratio is less than 70%; 4. The vehicle applying for a loan must be within the insurance period, and the vehicle must have mainly resided in the current place of residence for more than 6 months, or worked in the current place of residence;

4. Application conditions for Ping An Bank car loan

< p>What are the conditions for applying for a car loan from Ping An Bank? Next, the editor will introduce to you the application conditions and application process for Ping An Bank’s car loan. 1. New car loan refers to the consumer loan you apply for when buying a new car.

Features: low threshold (minimum down payment 20%, simple application materials); high amount (maximum loan of 5 million); quick loan (complete information, fastest loan within one working day); long-term (maximum loan period is 5 years) ). 2. Second-hand car loan refers to the consumer loan applied for when purchasing a second-hand car. Product features: high quota (minimum 40,000, maximum 5 million); low threshold (simple materials, not limited to local household registration); accurate evaluation (simple and fast car price evaluation). 3. Car purchase surcharge loan refers to a loan used to pay for related surcharges incurred during the purchase of a new or second-hand car. Its uses include purchase tax, vehicle insurance, vehicle decoration, etc. The process does not require collateral or pledge security. Product features: wide range of uses (purchase tax, car insurance, vehicle decoration, etc.); easy to apply (same application, simultaneous approval, and simultaneous disbursement with vehicle loans); fast loan (complete information, fastest disbursement within one working day); high amount (up to NT$300,000). 4. Ping An Bank car loan application process: ① Submit application materials; ② Bank approval; ③ Sign contract; ④ Loan.