Look at your work unit and income, whether there is collateral, and how much each has.

Second, how to get a loan for buying a car

1. customer application: the customer applies to the bank, fills in the application form in writing and submits relevant materials at the same time. 2. The lending institution shall review the application materials submitted by the borrower. 3. After approval, the borrower signs a loan contract with the lending institution. 4. The borrower applies for advance notice registration and other procedures. 5. Lending: The loan granted with the approval of the bank will be directly transferred to the account of the automobile dealer by the bank according to the contract after all the formalities are completed. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio between the loan amount and the principal paid by the bank to consumers, that is, borrowers, for purchasing their own cars. The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the loan period of second-hand car loan is not more than 3 years, and the loan period of dealer car loan is not more than 1 year. The actual interest rate of car loan is set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. Generally, customers with excellent conditions can enjoy the benchmark interest rate or float down 10%, while ordinary customers need to float up 10% on the basis of the benchmark interest rate.

Third, how to get a loan for buying a car

1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time; 2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate; 3. issue loans. The loan approved by the bank will be directly transferred to the car dealer's account by transfer according to the contract after all formalities are completed.