Personal auto¹ loan is the RAM² 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 fully³ improve your life quality.

If the guarantee is made by means of hypothecation⁴, or the bank or the insurance company assumes the joint⁵ 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 interest rate is implemented⁶ in accordance with the loan interest rate stipulated⁷ 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.

个人汽车消费贷款是银行向申请购买汽车的借款人发放的人民币担保贷款。具有办理手续简便快捷、担保形式多样、贷款额度高等特点。个人汽车消费贷款助您实现购车梦想，全面提高生活品质。