Automobile consumption loan of Bank of Beijing helps you own a car easily.

Such loan means Renminbi loan extended by our bank to natural eligible persons used for purchase of vehicle for his/her own use.

Personal automobile consumption loan means Renminbi loan extended by our bank to natural eligible persons used for purchase of vehicle for his/her own use.
Borrower’s conditions for application:
1)18-55 years old, with full civil capacity;
2)Has urban registered permanent residence of Beijing, has fixed residence in Beijing; a person who has registered permanent residence outside Beijing must have a Dwelling Certificate for Employment in Beijing, and have a fixed residence in Beijing;
3)Has a stable job and economic income, and ability of repaying the principal and paying the interest of loan on time, with no bad credit record;
4)Possible to provide guarantee acceptable by the lender;
5)Promises to continuously buy vehicle insurance in full acceptable by the lender, with the lender as the first beneficiary of the insurance.
6)Provides true and valid credit certification and actually makes the down payment.
7)Other conditions required by our bank.

“Mortgage loan for personal parking place” is a sort of loan operation that the borrower (the parking place buyer) makes the down payment when he/she buys a parking place from the real estate developer, with the remaining money to be paid with the bank loan, and uses the property right to the parking place as mortgage, and the developer provides guarantee of joint responsibility or a guarantee company designated by Bank of Beijing provides full-course guarantee.

Parking place mentioned here means the parking place affiliated to the building site for which a mortgage loan has been applied for. Bank of Beijing now accepts only the parking place of on-hand house or house with big extensive property right. Except for house purchase in full payment, the borrower may not apply for mortgage loan of parking place separately. If the borrower has applied for mortgage loan corresponding to the parking place with other bank, he/she shall transfer the mortgage loan to Bank of Beijing in order to apply for mortgage loan for parking place.