If you apply for a car loan in an auto financing company, the amount of the car loan does not exceed 50,000, and you can generally provide your ID card, driver's license, residence certificate, etc. There is no need to provide proof of running water, because auto financing companies will have lower requirements for car loans.

1. How much is the down payment for the loan to buy a car?

When a customer borrows money to buy a car, the People's Bank of China stipulates that the minimum down payment ratio shall not be less than 20%. However, different banks/auto consumption financial institutions will have different regulations, most of which will be adjusted and floated on this basis, and many will be raised to about 30% to 40%. Of course, some 4S stores offer zero down payment discount, and specific customers can call customer service. As for the loan period, it is generally one to five years, not too long. After all, cars are easy to depreciate and be damaged by accidents.

2. What if there is no bank running account for the car loan?

1. Run by yourself in the first half of the mortgage, and deposit a sum of money in the bank card every month ≥ 2 times of the monthly mortgage repayment, during which you can deposit it first and then withdraw it. The latter is to let others transfer it to your bank card, and then take it out every month to transfer it to others and then to yourself, but remember that the funds should be taken out overnight, not at one time, but in multiple times.

2. Adding a * * * co-borrower to repay the car loan with himself can also improve the success rate of the car loan. * * * co-borrower's credit report will not show the car loan record, but if both of them fail to repay the car loan, then * * * co-borrower's credit will be affected.

3. Find a person with repayment ability or an intermediary to guarantee, and the general guarantor shall bear joint and several liability. The guarantor's credit report will reflect the guarantee record, and the lender's overdue will also affect the guarantor's credit.

3. What are the requirements for the loan flow of the car buying bank?

1. Bank flow mainly includes wage flow and cash flow. Generally, it is necessary to print the bill information of the last six months with special bank paper.

2. The monthly salary of a bank should be more than 3,000 yuan, which is generally more than twice the monthly payment.

3. The bank flow must be stable, and the more stable, the higher the credibility.