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汽车消费贷款汽车消费贷款是建设银行向在与建行签订了《汽车消费贷款合作协议书》的特约经销商处购买汽车的借款人发放的用于购车的贷款。贷款对象是在中国境内有固定住所的中国公民及企业、事业法人单位。借款人申请贷款期间必须有不低于建行规定的购车首期款存入建行,并提供建行认可的担保。法人贷款期限最长不超过三年,个人最长不超过五年,贷款利率按照人民银行规定的同期贷款利率执行。办理汽车消费贷款的程序: 1.客户到建设银行营业网点进行咨询,网点为用户推荐已与建行签订《汽车消费贷款合作协议书》的特约经销商。 2.到经销商处选定拟购汽车,与经销商签订购车合同或协议;到建行网点提出贷款申请。
Automobile Consumer Loans Automobile consumer loans are loans for the purchase of automobiles issued by China Construction Bank to borrowers who purchase vehicles at special dealers who have signed a cooperation agreement on automobile consumer loan with CCB. Loanholders are Chinese citizens with fixed residences in China and enterprises and legal person institutions. During the loan application period, the borrower must deposit at least not more than the first period of car purchase stipulated by CCB and provide CCB approved guarantee. The maximum length of a legal person loan is no more than three years and the maximum length of an individual is no more than five years. The interest rate of the loan shall be subject to the same period as the People’s Bank of China imposes on the lending rate. Processes for car consumer loans: 1. Clients to the Construction Bank branch outlets for consultation, the network recommended for users with the Construction Bank signed a “car consumer loan cooperation agreement,” the special dealer. 2. To the dealer at the selected car to be purchased, and the dealer signed a car contract or agreement; to CCB outlets to apply for a loan.