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    Individual Automobile Purchase Loan

    1. Features
      1.Long period and high credit line;
      2.Flexible patterns of lending; application can be made at the cooperative dealers or any outlet of the Bank;    
      3.Few loan approval formalities, fast examination and timely loan granting;
      4.No additional charges for loan repayment ahead of schedule if the repayment has been made for one year or longer.

      Basic Conditions of Borrower
      1.Natural person aged 18 and above;
      2.Has a proper occupation and steady income sources;
      3.Good personal credit records;
      4.The automotive to be purchased is for individual or family use.

      Application and Approval Processes
      1.Application can be made at the cooperative dealers or any outlet of the Bank.
      2.Loan process
      Secured loan process:  Loan application → Lending investigation → Loan examination and approval → Loan contract signing → Loan granting → Automotive mortgage;
      Unsecured loan process:  Loan application → Lending investigation → Loan examination and approval → Loan contract signing → Automotive mortgage → Loan granting.

      Materials to Be Provided
      1.Certificate of identity of the borrower;
      2.Certificate of employment;
      3.Proof of income;
      4.Additional materials to be provided as required by the Bank.

      Tips
      1.This page is for reference only; the specific business process standards are subject to the provisions at the local outlets;
      2.For any services, please call 95568, the 24-hour customer service hotline of Minsheng Bank.

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