1. Car loan jointly applied by husband and wife: then when signing the car loan contract, both husband and wife need to be present to sign it. Not only that, but also the identity cards of both parties, bank running water and other income certificates, as well as the marriage relationship certificate of both parties, and the bank that handles the car loan may also inquire about their credit reports. If one party's credit is not good, it will affect the approval of car loans, and banks are likely to refuse to approve loans.

2. Only one party applies for a car loan: neither the husband and wife nor the borrower himself is required to sign. Borrowers only need to prepare personal data, and car loans allow married people to apply separately in their own names. Unlike mortgage, even if only one person applies, the bank will check the credit status and repayment ability of his spouse, and both parties need to be present before signing the contract.

How to calculate the car loan fee?

Car loan fees include performance bond, notarized mortgage fee, credit investigation fee, installment fee, etc. The specific calculation method is as follows:

1. Performance guarantee: 3% of the loan amount will be charged, and 3000 will be charged if it is less than 3000. After the loan is paid off, it can be refunded.

2. Credit fee: 65438+ 0% of the loan amount.

3. installment fee: credit card loans need installment fees to buy a car. General 12 installment total cost is above 10%.

4. Mortgage fee: 3%.