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According to news on the Central Bank website, the People's Bank of China and the China Banking Regulatory Commission recently issued a circular on adjusting policies concerning auto loans. The maximum loan rate for self-use traditional power car loans is 80%, and the maximum loan rate for self-use new energy car loans is 85%. The notice will come into effect on January 1, 2018.
Data Map: Auto Show. China News Agency reporter Luo Yunfei
The notice made it clear that the highest proportion of loans for self-use traditional power cars is 80%, that for commercial traditional power cars is 70%, that for self-use new energy vehicles is 85%, and that for commercial new energy vehicles is 75%. The highest proportion of second-hand car loans is 70%.
The notice pointed out that for the range of models implementing the new energy auto loan policy, various financial institutions can refer to the "Auto Loan Management Measures" and based on the principles of voluntary, prudent and risk controllable, refer to the "New Energy Vehicle" issued by the Ministry of Industry and Information Technology. Promotion and application of recommended models directory" implementation.
The notification requires that all financial institutions should reasonably determine the specific proportion of auto loans based on the borrower’s credit status and repayment ability, in combination with the auto loan placement policy and risk prevention and control of the institution, and effectively strengthen the whole process of car loan management and strengthen pre-lending. Review and continuously improve the customer credit evaluation system to ensure that the first loan repayment source can fully cover the corresponding principal interest; continuously strengthen the accumulation of residual value experience data, implement the prudent assessment policy for the value of collaterals and pledges, and improve the value of collaterals and pledges. Assessment system; improve the loan classification system, strengthen monitoring of non-performing loans, and fully accrue provisions.
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