Personal auto loan is the RAM guarantee loan granted by bank to the borrower who applies for purchase of auto, featuring simple transaction procedure, various guarantee forms and high loan line, etc. Personal auto loan will help you realize your auto purchase dream and fully improve your life quality.
If the guarantee is made by means of hypothecation, or the bank or the insurance company assumes the joint and several liability, the loan line shall be no more than 80% of auto funds;
If the guarantee is made by means of pledge of the auto or other properties, the loan line shall be no more than 70% of auto funds;
If the guarantee is made by the third party （except the bank and the insurance company）, the loan line shall be no more than 60% of auto funds.
The loan usually lasts 3 years and no longer than 5 years.
The loan interest rate is implemented in accordance with the loan interest rate stipulated by the People's Bank of China for the corresponding period. If the loan term is shorter than 1 year, the contract interest rate will be implemented; If the loan term is longer than 1 year, it will be counted on grades and the regulation of legal interest rate will start from the beginning of next year, and the new interest rate shall be implemented in accordance with corresponding interest rate. 個人汽車消費貸款是銀行向申請購買汽車的借款人發(fā)放的人民幣擔保貸款。具有辦理手續(xù)簡便快捷、擔保形式多樣、貸款額度高等特點。個人汽車消費貸款助您實現(xiàn)購車夢想，全面提高生活品質(zhì)。
以質(zhì)押方式擔保的，或銀行、保險公司提供連帶責任保證的，貸款額可達到購車款的80%；
以所購車輛或其他財產(chǎn)抵押擔保的，貸款額可達到購車款的70%；
以第三方（銀行、保險公司除外）保證方式擔保的，貸款額可達到購車款的60%。
汽車消費貸款一般為3年，最長不超過5年（含）?！ ?BR> 汽車消費貸款按照中國人民銀行規(guī)定的同期貸款利率計算。在貸款期間如遇利率調(diào)整時，貸款期限在1年（含）以下的，按合同利率計算；貸款期間在1年以上的，實行分段計算，于下一年年初開始，按相應利率檔次執(zhí)行新的利率
If the guarantee is made by means of hypothecation, or the bank or the insurance company assumes the joint and several liability, the loan line shall be no more than 80% of auto funds;
If the guarantee is made by means of pledge of the auto or other properties, the loan line shall be no more than 70% of auto funds;
If the guarantee is made by the third party （except the bank and the insurance company）, the loan line shall be no more than 60% of auto funds.
The loan usually lasts 3 years and no longer than 5 years.
The loan interest rate is implemented in accordance with the loan interest rate stipulated by the People's Bank of China for the corresponding period. If the loan term is shorter than 1 year, the contract interest rate will be implemented; If the loan term is longer than 1 year, it will be counted on grades and the regulation of legal interest rate will start from the beginning of next year, and the new interest rate shall be implemented in accordance with corresponding interest rate. 個人汽車消費貸款是銀行向申請購買汽車的借款人發(fā)放的人民幣擔保貸款。具有辦理手續(xù)簡便快捷、擔保形式多樣、貸款額度高等特點。個人汽車消費貸款助您實現(xiàn)購車夢想，全面提高生活品質(zhì)。
以質(zhì)押方式擔保的，或銀行、保險公司提供連帶責任保證的，貸款額可達到購車款的80%；
以所購車輛或其他財產(chǎn)抵押擔保的，貸款額可達到購車款的70%；
以第三方（銀行、保險公司除外）保證方式擔保的，貸款額可達到購車款的60%。
汽車消費貸款一般為3年，最長不超過5年（含）?！ ?BR> 汽車消費貸款按照中國人民銀行規(guī)定的同期貸款利率計算。在貸款期間如遇利率調(diào)整時，貸款期限在1年（含）以下的，按合同利率計算；貸款期間在1年以上的，實行分段計算，于下一年年初開始，按相應利率檔次執(zhí)行新的利率