I don't have a house in Nanning and my job is stable. Can I buy a car by installment with ICBC credit card? I like the Great Wall M4.

You can't use real estate mortgage loan without real estate license, but you can apply for car purchase by installments through other channels, such as bank automobile mortgage, auto financing company car loan, credit card installment payment, etc. Usually, the down payment ratio of mortgage to buy a car is around 30%.

So you can pay by installment with ICBC credit card. Buying a car by installment with ICBC credit card is a way of car consumption provided by ICBC for cardholders, which requires cardholders to have a good credit record and sufficient repayment ability. If you have become a credit card holder of ICBC, you can directly call the customer service staff to apply for car purchase by installment. If you haven't got a card yet, you need to get a credit card first, and then buy a car by installment. As far as application conditions are concerned, you need to meet the following three points.

1. A natural person with full capacity for civil conduct, with local permanent residence or valid residence status;

Second, foreign account borrowers have real estate in the local area or have worked continuously in the local area for more than three years, hold ICBC credit card personal card products, and have the ability to stabilize their jobs and repay the loan principal and interest on schedule;

3. Personal credit is good. In the personal credit report inquired by the personal credit information system of the People's Bank of China, there are no records that are inconsistent with the real situation, such as malicious arrears. Holding a car purchase contract approved by the handling bank, and the purchase price of the vehicle is not less than 80 thousand yuan.