You can still apply for a car loan if you have a mortgage. After all, car loans and mortgages do not conflict. As long as you can meet the conditions and requirements put forward by banks or lending institutions, you can apply for a car loan regardless of whether you have a mortgage or not. Generally, as long as the customer can prove that he has enough economic income and the ability to repay the principal and interest of the loan on time, he can get the car loan smoothly. : car loan process 1: book a car first, then go through the loan process, determine specific preferential policies, including car price concessions, gifts or other expenses, and then sign a car purchase contract. Because it is a car loan, you should read the terms of the contract carefully and ask clearly if you don't understand. 2. Submit loan procedure information, which is divided into two types. The first kind of information you need is identification, driver's license, marriage certificate and so on. The second is the fast loan procedure of high down payment ratio or individual brand car companies. This method is relatively simple, generally only one ID card is needed. If the car loan is in the bank, the first method is needed, and the second method is generally applicable to most car companies' own financial companies. 3. Wait for the approval of the materials. No matter which loan mode, the qualifications of loan applicants will be examined and approved. Approval is generally divided into online or offline. If it is online, the practice is to call the applicant to ask about some related matters such as car purchase and personal work, and then decide whether to pass. If the qualification is good, it may be directly approved. Offline approval is generally a home visit, but this is mainly for applicants with poor qualifications. In fact, the staff of the financial company went to the applicant's home or work unit to visit the specific situation. 4. Pay the down payment. After the loan is approved, we need to pay the down payment to the 4S store first, then the 4S store will issue a down payment receipt, and finally give this down payment receipt to the bank or financial company to wait for the loan. 5. borrow money to pick up the car. After paying the down payment, the bank or financial company will lend to the 4S shop or the loan applicant himself, so that we can issue an insurance invoice to pick up the car normally. Matters needing attention on the day of lending 1. Check whether there is any damage inside and outside the car, and check the mileage of the odometer, 8- 10 km. 2. Check the distance between the delivery date of the vehicle and the delivery date of the vehicle. If the time is too long, pay attention to whether the vehicle is a display car or a refurbished car. 3. Check whether the vehicle procedures are complete, including the purchase invoice, vehicle certificate and vehicle certificate. The big green club will detain the vehicle at the lending institution.

2. I just applied for a car loan and want to buy a house recently. Can I still apply for a mortgage now?

Yes, there is no conflict between mortgage and car loan. There is no direct conflict between housing loans and other loans, but there is an indirect relationship. If you apply for other loans, the first bank may be stricter about your credit status. As long as your credit is good, banks will generally approve it.

The general steps of buying a car with a loan are as follows:

1. Book the car first;

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

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

4. Generally, after obtaining the consent form, the 4s shop will inform the customer to pay the down payment;

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

6. After the card is completed, the information is mortgaged to the bank;

7. Pay the money to the 4s shop a few days after the mortgage (generally according to the bank audit).

3. Can I get a loan if I have a mortgage to buy a car?

Yes You can also apply for a loan to buy a house. The two do not affect each other.

CarLoan refers to a loan issued through a loan.

The real interest rate of car loan is determined by the operating conditions and refers to the benchmark interest rate stipulated by the central bank. There are three types of car loans: direct, indirect and credit card. The term of car loan is generally 1-3 years, and the longest is no more than 5 years.

Potential borrower

The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.

deadline

Term of automobile loan

The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the loan term (including extension) of used car loans shall not exceed 1 year.

loan rate

benchmark interest rate

According to the regulations of the central bank, the benchmark interest rate is implemented for auto loans, but financial institutions can keep them around. The amount of car loans of major banks directly determines the cost of people's loans, which is also an important factor.

How to calculate the car loan interest rate

Calculation formula of monthly car loan: a = p (1i) [( 1i) n

A: Monthly contributions.

P: total donations

I: monthly interest rate (annual interest rate/12)

N: Total months of contribution (year × 12)

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.

Direct bank car loan, the fees charged are deposit, principal and interest, 3% guarantee fee, etc. Banks have different preferential policies for quality customer fees.

In addition to the supervision fee, individual auto financing companies also need to bear the car loan.

And credit cards, car loans. Credit card installment car loans can only be handled in banks, and there is also an audit procedure, which is difficult for credit card users with bad credit records to handle.

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 get a car loan with a credit card.

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.

4. When the vehicle is licensed for mortgage procedures, purchase the required designated auto insurance.

Finally, I can drive the car away smoothly.

Can I get a car loan with a mortgage?

This is no problem. The key is that 50% of customers' income can cover housing loans and car loans.