What are the requirements of Changsha Bank's car loan and the process of loan to buy a car?

(1) The applicant is under 60 years old at the maturity date of the auto loan and has full capacity for civil conduct;

(2) Having a fixed residence in Changsha (including Changsha, Wangwang and Liu Ning);

(3) Have a stable job and income;

(4) Need a guarantee from a guarantee company;

Bian Xiao reminded that the borrower of Changsha Bank's automobile consumption loan needs to use the automobile mortgage and guarantee company to guarantee.

Process of Changsha Bank's application for auto loan:

(1) The borrower needs to apply for an automobile consumption loan from Changsha Bank or guarantee company;

(2) The borrower submits various application materials, and the guarantee company investigates the borrower's situation;

(3) After the borrower has passed the audit of the guarantee company, he applies for a loan from the branch of Changsha Bank;

(4) The handling bank of Changsha Bank conducts a comprehensive audit of the borrower;

(5) After the borrower has passed the examination and approval, it will sign a loan contract and a guarantee contract and issue loans;

(6) The borrower picks up the car and pays the principal and interest on schedule.

Bian Xiao reminded that after the successful application for loan to buy a car, you must remember to repay the loan on time, so as to avoid personal credit overdue and affect the next loan application.