How to apply for a good car loan? Good car loan is another independent brand launched by Anhui Tianchang Asset Management Co., Ltd. after easy wealth, good car loan and enterprise loan, which provides mortgage, pledge loan and car loan financing services for homeowners and car owners. Car loan application conditions are good, 1, 18 years old and China citizen; 2. owning a car that meets the mortgage conditions (clear property rights and certain value): 3. Have a stable income, not too low, and ensure timely repayment every month; 4. You can provide legal and valid ID cards, bank cards, vehicle-related certificates, etc.

What are the application conditions for car loan? You can handle it if you are satisfied!

Now that people's living standards have improved, more and more people are going to buy cars. Many people want to start with loans, so what conditions do you need to apply for a car loan? In fact, different loan channels have different requirements and generally need to meet the following conditions.

First, the basic application conditions for auto loans

1. Applicant 18 years old or older, but in some places, applicants are required to be over 23 years old, mainly to ensure the repayment ability of users. Please consult the staff for details.

The applicant must have a stable job and a good source of income. It is best to work in the current work unit for more than half a year to prove that you have the ability to repay the loan principal and interest on time.

3. If the applicant applies for a car loan in a bank, he/she also needs a good personal credit, and there can be no traces of frequent credit inquiry in a short time, and other loans or credit cards under his/her name are not overdue.

4. If the applicant borrows money from some auto financing institutions or 4s shops, it is necessary to provide some corresponding certificates, and it is best to have a stable residence where the loan is located.

2. How long can the car loan last?

Car loan is different from mortgage, and the loan amount is different, so the repayment period is relatively short. The longest car loan can be used for one to five years, basically not more than five years. Different institutions will determine several years for you to choose according to your qualifications and loan scheme, and you can choose the one that suits you best.

There are too many car loan channels now. I suggest you choose a bank or a credit card, which is not only cheap, but also safe and formal.

What conditions do you need to pass the car loan?

First of all, you need to know the basic conditions for handling personal car loans:

/kloc-citizens over 0/8 years old with full capacity for civil conduct;

Have legal identity documents, local permanent residence or valid residence certificates.

This is the basic condition for handling car loans. Let's take a look at the materials needed to apply for a loan to buy a car.

1, personal loan application;

2. Personal valid identity documents. Including resident identity cards, household registration books, military officers' cards, passports, etc. If the borrower is married, the identity certificate of the spouse shall be provided;

3, household registration certificate or long-term residence certificate

4, personal income certificate, provide proof of family income or property when necessary;

5. Certificate of intention to buy a car issued by the car dealer;

6. Loan to buy a car down payment certificate;

7. If the purchased vehicle is secured by other means other than mortgage, the relevant materials of the guarantee shall be provided, including the pledge certificate, the ownership certificate and evaluation certificate of the mortgaged real estate, and the letter of intent for third-party guarantee, etc.

8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the vehicle's affiliation agreement and lease agreement with the transport fleet;

9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by the Construction Bank; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.

Type of automobile loan

Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.

The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.

In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.

And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.

The specific steps of buying a car by credit card in installments are roughly as follows:

1. The cardholder (or applicant) calls the bank's credit card center or goes to the local bank to find out whether he can apply for a credit card car loan.

2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it.

3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.

4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance.

Finally, I can drive the car away smoothly.

Application material

1. Original ID card, household registration book or other valid proof of residence, and provide its copy;

2. Proof of occupation and economic income, and running list of personal accounts in recent 6 months;

3 car purchase agreement, contract or letter of intent signed with the dealer;

4. Other documents required by the cooperation agency.

Treatment process

First of all, the lender needs to prepare ID card, residence certificate, work certificate, loan use certificate and other supporting materials, go to a bank, fill out an application form and fill out a contract.

Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If the loan is unsecured, there is no need to sign such a contract.

Secondly, banks issue loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.

Finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.