Now every household has a car, which is cheap and convenient. For ordinary white-collar workers, from the perspective of capital flow, it is better to apply for a loan than to pay in full. What are the conditions for a loan?
Regarding the application for auto loans, personal credit loans can be used to buy a car (there is no mortgage or guarantee, which generally requires you to have good credit and stable work income). Personal credit loans can generally be used for 5 years, with a down payment of more than 30%. The interest rate is mainly determined according to your loan type and your personal qualifications. The models are different, only the loan money is different, and everything else is similar.
Conditions of car loan:
(1) has valid identification and full capacity for civil conduct;
(2) Can provide a fixed and detailed address certificate;
(3) Have a stable occupation and the ability to repay the loan principal and interest on schedule;
(4) Personal social credit is good;
(5) Holding a car purchase contract or agreement approved by the lender;
(6) Other conditions stipulated by the Cooperation Organization.
Personal credit record query method:
1. In foreign countries, negative records are generally kept for 7 years, bankruptcy records are generally kept for 10 years, positive records are kept for longer, and inquiry records are generally kept for 2 years.
2. Individuals can check their credit reports in two ways. First, when a commercial bank applies for a credit card or loan, the bank will query the basic database of personal credit information, and the individual will read its credit report. Second, you can check with the credit management department of the People's Bank of China.
3. In addition to myself, only commercial banks can directly inquire about users' credit reports when handling loans, credit cards and post-loan management, and commercial banks must also obtain users' written authorization in advance.
4. It is reported that from September 27th, 20 14, Fujian residents with the first two ID numbers of "35" can log on to the personal credit information service platform of the Credit Information Center of the People's Bank of China to inquire about their personal credit reports.
5. The personal credit report is a credit file issued by the Credit Information Center of the People's Bank of China, which comprehensively reflects the information subject's loan repayment, abiding by the contract and abiding by the law. Personal credit report objectively records and synthesizes the credit performance of the information subject, comprehensively, accurately and timely reflects its credit status, and is the "economic identity card" of the information subject.
How to check your credit information to see if you can get a loan? Without these records!
At present, most loan products have been connected to the credit information system. If you want to apply for a loan, you often need to check the credit information of the loan applicant. If the credit information is not good, it will be difficult to make a successful loan. Then how do you check your credit information to see if you can get a loan? Where do I need to read the records? This article will show you how to check your credit report.
How to check your credit information to see if you can get a loan?
1. See if there are any overdue records.
To apply for a credit loan, a good credit report is generally required, and there can be no overdue records. Once there is an overdue record, there is no way to apply successfully. Online loan products on the market are basically credit loans.
To apply for large bank loans such as mortgage loans and car loans, it is generally required that the accumulated overdue records in the past two years should not exceed 6 times, the continuous overdue time should not exceed 3 times and the overdue time should not exceed 90 days. If it is overdue, the bank will directly refuse the loan.
2. See if there are any bad debts.
Bad debts are more serious than overdue loans. Bad debts refer to loans that have given up collection and have not been settled. Once there are bad debts in the credit report, they will basically be rejected by various lending institutions and will not be given any loan opportunities.
3. Check whether there are records of non-financial liabilities.
Credit information will also be recorded, such as telecom payment and water and electricity payment. If these fees are not paid for a long time, the relevant departments may also report credit information, which will turn the credit information of the credit parties into flowers and affect the loan application.
4. See if there are too many query records.
Under normal circumstances, the number of inquiries should not exceed 5 times in one month and 10 times in three months, which means the number of inquiries made by lending institutions, that is, the number of inquiries for loan approval for applying for loans or credit cards should not be too many, and the number of inquiries made by institutions is too many, which indicates that the credit reporting parties have great demand for funds, are relatively short of money, have doubts about repayment ability, and are more likely to fail in applying for loans.
The above is the answer to the question of whether you can borrow money for your own credit information. You can check it twice a year for free. In order to avoid bad credit records in your own credit investigation, it is suggested that you can query the credit records of 1-2 times a year, so as to deal with all kinds of bad records in time.
How can I know if I can get a loan to buy a car?
Car mortgage conditions:
1, a citizen of China who has reached the age of 18, has full capacity for civil conduct and has a fixed residence in China.
2 have a stable professional and economic income, and can guarantee to repay the loan principal and interest on a regular basis.
3. Car mortgage can be provided, and there are guarantee measures recognized by the loan bank.
4. Open a savings account in a loan bank.
5. Willing to accept other conditions stipulated by the lending bank.
The technical term of personal credit, also called personal credit, is the carrier of what we usually call "credit record" and the most basic product provided by personal credit system. As long as we have handled credit business such as credit card, loan and loan guarantee for others in the bank, the basic information and account information registered in the bank will be submitted to the personal credit information system through the data of commercial banks.
Dear friends, when handling car loans and mortgage loans, banks generally evaluate and investigate personal credit information and classify everyone's credit rating, and we often conduct personal credit inquiries to avoid unnecessary troubles. Next, this article introduces how to query your own credit.
Personal credit inquiry method
1. Personal credit information is inquired at branches and credit information sub-centers of the People's Bank of China, and valid identity documents are required. Valid identification documents include: ID card (the second-generation ID card must be copied on both sides), military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, and foreigner's residence permit.
2. When inquiring, you need to provide your own identity certificate (note: agents are not allowed to inquire, only your own credit records can be inquired), and you need to fill in the power of attorney for inquiring the bank. Generally, banks will only ask you to provide your own credit history when lending or providing guarantees.
How can I check my credit if I want to get a loan to buy a car?
Check with the People's Bank of China, and don't forget to bring a copy of your ID card. You need to bring a valid ID card. Valid identification documents include: ID card (the second-generation ID card must be copied on both sides), military officer's card, soldier's card, passport, Hong Kong and Macao residents' pass to and from the mainland, Taiwan Province compatriots' pass to and from the mainland, and foreigner's residence permit.
When inquiring, you need to provide your own identification (note: agents are not allowed to inquire, only your own credit records can be inquired), and you need to fill in a power of attorney to inquire about the bank. Generally, banks will only ask you to provide your own credit history when lending or providing guarantees.
After the basic database of personal credit information is completed
It is equivalent to establishing a credit file for individuals. Every time you pay the water, electricity, gas and telephone bills on time and repay the principal and interest to the bank on time, you will accumulate a credit wealth for yourself, which can be used as credit collateral for bank loans and provide convenience for obtaining bank loans in the future.
In order to better protect personal rights and interests, experts remind that individuals have the right to query their credit information in the system when they borrow money from banks. If there is any mistake in the content of personal credit record, you should contact the institution that provides credit report as soon as possible. If the borrower has any objection to his own records in the system, he may apply to the Credit Information Service Center of the People's Bank of China or the local branch of the People's Bank of China for objection handling, so as to correct the mistakes in time.