How to apply for a car loan in Ping An Bank?

1. How to apply for car loan in Ping An Bank?

You don't need mortgage to buy a car by stages, and you don't need to buy car loan insurance or additional guarantee companies to counter-guarantee. After the car buyer negotiates the price with the car, he can fill in the installment payment application form. Because the procedures of mortgage, guarantee, etc. are omitted, you don't have to buy all kinds of insurance for several years at a time to buy a car by stages. You can consult Ping An/

2. What is the loan process of Ping An Automobile?

Nowadays, more and more people buy cars and choose loans, and most people will choose Ping An Bank car loans. The Auto Finance Division of Ping An Bank has established cooperative relations with many auto brands and auto dealers. So, what is the car loan process of Ping An Bank? Next, let's take a look!

First, the car loan process of Ping An Bank

1. The applicant opens the car loan page of Ping An Bank and applies for a loan.

2. After submitting the loan application, Ping An Bank will give a reply within 2 working days. If there is a loan, the bank will have experts to contact the borrower.

3. The Commissioner of Ping An Bank informs the borrower of the matters needing attention and the information needed for the loan, and the borrower submits the information needed for the loan according to the tips of the bank staff.

4. The staff of Ping An Bank will review the information and conduct a pre-loan investigation on the borrower.

5. After the data is approved, both parties sign a loan contract.

6. The borrower goes through the mortgage registration formalities.

7. Ping An Bank issues loans and the borrower picks up the car.

Second, Ping An Bank car loan application conditions

1. The applicant should be between 25 and 55 years old.

2. Residents with full capacity for civil conduct and second-generation identity cards.

The monthly income is more than 3,000 yuan, and some cities such as Beijing, Shanghai and Hangzhou need more than 4,000 yuan.

4. Personal credit record is good.

5. The work is stable, and they have worked in a fixed unit for more than 3 months, and some customers need to work for more than 6 months.

3. Ping An Bank auto loan amount

At present, the car loan of Ping An Bank can provide a loan amount of up to 500,000 yuan.

4. The car loan interest rate of Ping An Bank.

To apply for a credit loan, the preferential interest rate for a one-year loan is 5.84%, and there is no guarantee for one year.

3. Ping An Bank's car release process?

1. Go to the bank for the settlement certificate. After the last car loan applied by Ping An Bank is paid off, we will go to the loan bank and apply for the loan settlement certificate at the bank in about ten working days. Only when you get the bank's loan settlement certificate can you get back the car registration certificate and some car purchase invoices mortgaged in the bank.

2. Go to the vehicle management office to understand the procedures. After getting the car registration certificate, take all relevant materials to the vehicle management office to go through the mortgage formalities. After the formalities are successfully completed, the ownership of the car truly belongs to the owner.