Can Alipay loan to buy a car? At present, Alipay can not lend money to buy a car. If you want to borrow a car, you can apply for a loan from the bank. What materials do Alipay need to prepare for buying a car? Let's have a look.
Basic regulations
1. Loan object: natural person aged from 18 (inclusive) to 60 (inclusive) with full capacity for civil conduct.
2. Loan amount: if the purchased vehicle is self use vehicle, the loan amount shall not exceed 80% of the price of the purchased vehicle; if the purchased vehicle is commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle, among which the loan amount of commercial truck shall not exceed 60% of the price of the purchased vehicle; if the purchased vehicle is second-hand vehicle, the loan amount shall not exceed 50% of the price of the purchased vehicle, and the loan amount shall not exceed 50% The quota shall not exceed 200000 yuan;
3. Loan term: if the purchased vehicle is self use vehicle, the loan term shall not exceed 5 years; if the purchased vehicle is commercial vehicle or second-hand vehicle, the loan term shall not exceed 3 years;
4. Loan interest rate: according to the loan interest rate regulations of China Construction Bank;
5. Guarantee method: when applying for personal automobile loan, the borrower must provide certain guarantee measures, including pledge, vehicle purchased by loan as mortgage, real estate mortgage, third party guarantee, etc. It can also take the form of purchase of personal automobile loan performance guarantee insurance.
Application materials to be provided:
(1) Personal loan application form;
(2) Personal valid identity document. It includes resident identity card, household register, military officer card, passport, travel permit for compatriots from Hong Kong, Macao and Taiwan, etc. If the borrower is married, the identity certificate of the spouse shall be provided;
(3) household registration certificate or long-term residence certificate;
(4) Personal income certificate, family income or property certificate if necessary;
(5) Certificate of purchase intention issued by auto dealer;
(6) Down payment certificate for car purchase;
(7) If the guarantee is made by means other than the mortgage of the purchased vehicle, the relevant materials of guarantee shall be provided, including the certificate of title of the pledge, the certificate of ownership and evaluation of the mortgaged real estate, the letter of intent of the third party guarantee, etc;
(8) If the borrowed vehicle is a commercial vehicle, it is also necessary to provide the proof that the purchased vehicle can be legally used for operation, such as the affiliation agreement and lease agreement of the vehicle attached to the transport fleet;
(9) If the borrowed vehicle is a second-hand vehicle, the certificate of purchase intention, the vehicle evaluation report issued by the evaluation institution recognized by China Construction Bank, the vehicle property right certificate of the vehicle seller, the motor vehicle registration certificate of the traded vehicle, and the annual inspection certificate of the vehicle shall also be provided.