SMS Reminder for ICBC's Auto Loan Approval

Waiting for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract, a mortgage contract and go through the mortgage registration procedures. If the loan is unsecured, there is no need to sign such a contract.

The bank issues loans to lenders. Generally, banks will issue loans within 2 to 3 weeks or 1 month after the approval is completed, and loans can be issued within 1 day at the earliest.

Extended data:

ICBC auto loan review process:

I. The borrower shall submit the following information to the bank:

(1) loan application approval form; ?

(2) my valid identity certificate and a copy; ?

(3) The original and photocopy of the spouse's valid identity document, and written proof of consent to mortgage; ?

(4) proof of residential address (household registration book or receipt of rent, water, electricity and gas expenses for the past three months); ?

(5) Proof of occupation and income (original and photocopy of work certificate; Banks will issue salary passbooks, etc. ); ?

(6) Effective contact information and telephone number; ?

(7) Provide proof of down payment of not less than the specified proportion; ?

(8) loan guarantee certificate; ?

Loan guarantee can be pledge of rights, mortgage guarantee or third-party guarantee. ?

Where pledge guarantee is adopted, the scope of pledge includes savings deposit certificates (discounted) issued by China Industrial and Commercial Bank, voucher-type treasury bonds, registered financial bonds and savings deposit certificates (discounted) issued by local commercial banks that have signed a pledge stop payment guarantee agreement between banks. ?

If real estate is used as mortgage, the mortgaged real estate shall be a free property house with no other pledge under the name of the borrower himself or his immediate family members, and full property insurance shall be handled. ?

If the third-party guarantee method is adopted, the written document of the guarantor's consent to the guarantee, the original and photocopy of the guarantor's identity certificate and relevant credit certification materials shall be provided. ?

(9) Personal settlement account voucher opened in China Industrial and Commercial Bank; ?

(10) Other information specified by the bank. ?

Two. After the application materials submitted by the borrower are approved by the bank, the two parties sign the loan contract and guarantee contract and go through the relevant notarization and mortgage registration procedures. ?

3. The car loan will be directly transferred from the bank to the car dealer's account. ?

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