Identity cards of both husband and wife
marriage certificate
household registration
property ownership certificate
business license
And money! !
Note: If you are single, you should find a guarantor.
There are three ways to buy a car by mortgage.
At present, there are three mortgage methods in the market: auto financing company, intermediary guarantee and bank loan. Consumers can choose according to their own needs.
Generally speaking, the interest rate of auto financing companies is relatively high, but the procedures are relatively simple, while the interest rate of banks is relatively low, but the procedures are relatively cumbersome. Property mortgage is usually needed, and the business of buying a car through an intermediary has just begun.
Auto financing companies provide mortgage loans.
Auto financing company is a non-bank financial institution funded by auto manufacturers to provide financial services for auto buyers. In China, its establishment and change must be approved by the CBRC, and its service content and scope must also be supervised by the CBRC.
The most important function of an auto financing company is to provide auto loan services for consumers, in addition to providing loans for auto dealers to purchase vehicles and operating equipment, and providing guarantees for auto loans and other credit businesses approved by the CBRC.
The loan term of an auto financing company is generally 12-60 months, and the down payment is not less than 20% of the sales price of the vehicle, so the guarantee, household registration restrictions and real estate mortgage are exempted, and interest is the only expense.
Among them, the public financing interest rate is: three-year interest rate: 6.88% (monthly payment 1 ten thousand yuan is 3 10), and five-year interest rate: 6.99% (monthly payment to 200 yuan). The GMAC interest rate is: 3-year annual interest rate: 6.99% (10,000 yuan monthly payment of 309), and 5-year annual interest rate: 7.33% (10,000 yuan monthly payment of 200).
Intermediary guarantee bank mortgage loan
At present, the loan from the guarantee company can greatly shorten the audit time, the fastest is only 1 day, and the slower is 2 days.
Dealers can assume the role of guarantee companies, so that customers can buy cars only through car dealers, who can directly handle loans, insurance, maintenance and other services for customers.
It is reported that the biggest problem for car dealers to handle this business before was the lack of personal credit information system. Things are different now. At present, the city's personal credit information system has been established and started to operate, which can quickly review personal repayment ability and credit status.
The banking system provides mortgage loans.
At present, the conditions for direct bank loans are harsh, for example, lenders must have real estate mortgages; Must be engaged in civil servants, doctors, teachers, lawyers and other occupations with stable income; At least 40% or even 50% down payment; Implement a floating interest rate of 10%.
Recently, after the central bank raised the benchmark loan interest rate, the car loan interest rate also rose by 0.27 percentage points. The one-year car loan interest rate rose from 5.58% to 5.85%, the one-to-three-year interest rate rose from 5.76% to 6.03%, and the five-year loan interest rate rose from 5.85% to 6. 12%.