Yes, in fact, there are many materials that need to be checked when banks approve loans. Judging whether the borrower can apply for a loan is not determined by one factor, but also depends on the repayment ability and the repayment of the car loan. Even lending institutions with car loans will affect bank loans. If borrowers apply for car loans in the same bank and maintain good repayment habits during the repayment process, banks will generally classify borrowers as quality customers. When high-quality customers want to apply for other loans, banks will generally be more lenient, and even consider the borrower's long-term repayment ability and give a higher credit line. If the borrower's car loan is expected and it is a high-risk customer for the bank, then the bank will refuse the loan.

Second, can I pick up the car after the bank lends money?

You can't pick up the car until the loan comes down. Because once the loan fails, returning the vehicle will affect the secondary sales of the vehicle, and you can't pick up the car without the loan.

Loan to buy a car process:

1, book the car first; Now 4S stores buy their favorite vehicles;

2. Go through the loan procedures in the 4S shop: including providing information and signing loan details;

3. Wait for the loan agreement of the bank to give the 4S shop this loan;

4. After obtaining the consent form, the general 4S shop will inform the customer to pay the down payment;

5. The customer picks up the car and puts on the card;

6. Post-card information mortgage bank;

7. A few days after the mortgage (generally according to the bank's audit), the money will be paid to the 4S store.

If I have a car, can I get a loan from the bank?

Yes, the borrower can make a loan by car, and the borrower can apply for a loan if he meets the loan conditions. The borrower needs to meet the loan age, have a stable repayment record, punch in his salary every month, and be satisfied with his job for half a year.

If I have a car, can I get a loan from the bank?

Yes, you can.

Automobile mortgage is a loan secured by a borrower's or a third party's car or a car purchased by itself.

Take the car as the speed. (Of course, cars depreciate rapidly, and traffic accidents have a high probability of affecting the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage, and the general loan evaluation price is 5-8.

Requirements and materials for applying for car loan service for car mortgage:

1, with stable professional vehicle ownership.

2, long-term life and work in the city of enterprises, occupation and economic income.

3, motor vehicle registration certificate, driving license, purchase tax certificate (this), car purchase invoice.

4, insurance policy, travel tax, imported vehicles

5, ID card (non-local account customers provide temporary residence permit or residence within the validity period.

6. Other documents required by the Cooperation Organization.

Extended data:

mortgage

1. The collateral provided is usually real estate (such as land and houses) and special movable property (mainly automobile products (such as certificates of deposit and bonds).

2. The occupation tube has different forms. Mortgage is not carried out in the form of transferring the possession of collateral, and the mortgagor is still responsible for the custody of collateral; Pledge has changed the form of possession of pledged property, and the pledgee has the responsibility to keep the pledged property. For example, I mortgaged my property, but it is still in my possession and custody. If I pledge the certificate of deposit, it will be possessed and kept by the creditor.

3. Mortgage only has simple guarantee effect, and the pledgee in pledge not only controls the pledge, but also embodies the lien effect.

4. Different disposal rights. If the debtor fails to repay the debt on time, the creditor has no direct right to dispose of the collateral, and it is necessary to complete the disposal of the collateral through consultation or judgment with the mortgagor through appeal; The pledge can be disposed of without consultation or legal person.