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(gè)人汽車消費(fèi)貸款是銀行向申請(qǐng)購(gòu)買汽車的借款人發(fā)放的人民幣擔(dān)保貸款。具有辦理手續(xù)簡(jiǎn)便快捷、擔(dān)保形式多樣、貸款額度高等特點(diǎn)。個(gè)人汽車消費(fèi)貸款助您實(shí)現(xiàn)購(gòu)車夢(mèng)想，全面提高生活品質(zhì)。
以質(zhì)押方式擔(dān)保的，或銀行、保險(xiǎn)公司提供連帶責(zé)任保證的，貸款額可達(dá)到購(gòu)車款的80%；
以所購(gòu)車輛或其他財(cái)產(chǎn)抵押擔(dān)保的，貸款額可達(dá)到購(gòu)車款的70%；
以第三方（銀行、保險(xiǎn)公司除外）保證方式擔(dān)保的，貸款額可達(dá)到購(gòu)車款的60%。
汽車消費(fèi)貸款一般為3年，最長(zhǎng)不超過(guò)5年（含）?！ ?BR> 汽車消費(fèi)貸款按照中國(guó)人民銀行規(guī)定的同期貸款利率計(jì)算。在貸款期間如遇利率調(diào)整時(shí)，貸款期限在1年（含）以下的，按合同利率計(jì)算；貸款期間在1年以上的，實(shí)行分段計(jì)算，于下一年年初開始，按相應(yīng)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(gè)人汽車消費(fèi)貸款是銀行向申請(qǐng)購(gòu)買汽車的借款人發(fā)放的人民幣擔(dān)保貸款。具有辦理手續(xù)簡(jiǎn)便快捷、擔(dān)保形式多樣、貸款額度高等特點(diǎn)。個(gè)人汽車消費(fèi)貸款助您實(shí)現(xiàn)購(gòu)車夢(mèng)想，全面提高生活品質(zhì)。
以質(zhì)押方式擔(dān)保的，或銀行、保險(xiǎn)公司提供連帶責(zé)任保證的，貸款額可達(dá)到購(gòu)車款的80%；
以所購(gòu)車輛或其他財(cái)產(chǎn)抵押擔(dān)保的，貸款額可達(dá)到購(gòu)車款的70%；
以第三方（銀行、保險(xiǎn)公司除外）保證方式擔(dān)保的，貸款額可達(dá)到購(gòu)車款的60%。
汽車消費(fèi)貸款一般為3年，最長(zhǎng)不超過(guò)5年（含）?！ ?BR> 汽車消費(fèi)貸款按照中國(guó)人民銀行規(guī)定的同期貸款利率計(jì)算。在貸款期間如遇利率調(diào)整時(shí)，貸款期限在1年（含）以下的，按合同利率計(jì)算；貸款期間在1年以上的，實(shí)行分段計(jì)算，于下一年年初開始，按相應(yīng)利率檔次執(zhí)行新的利率