As long as the borrower has sufficient repayment ability, he can also apply for a car loan directly after handling the mortgage. Generally speaking, there is no conflict between mortgage and car loan, but banks will consider the general income of borrowers. If there is a specific proportion limit between personal debt ratio and personal family income, borrowers can apply for car loans as long as they are within a reasonable range.

1 As long as the borrower has sufficient repayment ability, it is no problem to continue to apply for a car loan after completing the mortgage. If you buy the first suite, the applicant is a local hukou and only needs to pay a down payment of 30%. If you want to borrow money to buy a car, you must also prepare a down payment to apply. As long as the car loan application conditions are met. Applicants are required to have a stable job and income, a good credit record and repayment ability.

Applying for a car loan, like a mortgage, requires the applicant to prepare a down payment of not less than 30% of the total price of the car purchased. If you have already applied for two mortgages, you can't continue to apply for a car loan, because at present, the state prohibits individuals from applying for a third loan at the same time.

In automobile mortgage, most people give priority to banks. Compared with institutional loans, car mortgage is safe and reliable, and you don't have to worry too much about car default, and the interest rate is often low, so you can get a longer guarantee period.

But from the bank's point of view, it is actually unwilling to go to the car mortgage. Because cars are not more easily consumed than houses, they depreciate too quickly. In addition, cars are movable property, which is prone to road traffic accidents. Banks attach great importance to risk management, so cars are not an ideal mortgage loan for banks.

But the good news is that there are still several banks that accept automobile mortgage's, such as Ping An Bank, Agricultural Bank and China Construction Bank. According to the official employee loan provided by an owner of Ping An Insurance, as long as the information provided by the user is no problem and the user meets the loan conditions of the owner, the loan can be received as soon as possible.

Automobile mortgage pays more attention to the borrower's credit information. If the borrower's credit information record is poor and does not meet the loan conditions, even if the borrower is a borrower, it is not easy to apply for a mortgage loan.