Each has its own advantages! Bank loans can be linked to private households, but they must be repaid within the repayment period stipulated by the bank, otherwise personal credit information will be affected. The advantage of car dealers' loans is that they can postpone repayment for one or two months after explaining the situation, which is more flexible. The disadvantage is that it must belong to a designated company. Insurance companies are more expensive than private households and do not enjoy insurance benefits. Some companies are easy to get in but difficult to get out. You can't even apply for life imprisonment.

Answers from users of truck house

Can I apply for mortgage and car loan together?

First of all, answer directly.

In fact, there is no conflict between applying for a car loan and a mortgage at the same time.

Second, the specific analysis

In real life, many borrowers applied for a car loan immediately after applying for a mortgage, or applied for a mortgage before the car loan was changed clearly.

As long as the borrower's own credit information is not overdue, and the debt ratio does not exceed 50% of the monthly income, whether it is applying for a car loan or a mortgage, the impact is not great.

After all, lending is profitable for banks.

As long as the borrower's loan risk does not exceed the bank's expectation, it is possible to apply for two kinds of loans at the same time.

Under normal circumstances, the bank will evaluate the borrower's repayment ability according to his salary and monthly consumption level. As long as the expenditure ratio can be balanced, it is unlikely to refuse the loan.

If the borrower's monthly income is high, but his consumption is also high, the bank may refuse the loan.

Of course, there are some exceptions.

For example, some corporate executives and senior leaders of large companies are likely to apply for loans even if their debts exceed 70%.

If the borrower is worried that his loan application will not pass, he can also choose to seek the help of the guarantee institution.

In addition to overdue, bad long-term loans will also be included in the online loan blacklist. Specifically, you can check your long-term loan. Recently, multi-head lending is mainly the application of individuals in lending institutions. I suggest that you slow yourself down and stop all lending-related operations within three months. After three months, the natural risk index will be reduced and the blacklist will be eliminated.

3. Is there any conflict between credit card and car loan?

There is no direct relationship between credit card and car loan, and there will be no conflict under normal circumstances.

However, credit cards and car loans can be found in the credit information as long as they are applied, so there will still be some conflicts indirectly.

Credit card and car loan applications will leave a hard inquiry record, which is not conducive to credit card and loan applications in the short term because of too many times.

Moreover, whether you have a credit card or a car loan, outstanding debts are included in personal liabilities, which will affect your repayment ability.

I have a car loan and a mortgage in my name. Can I still get a local business loan? How to deal with it?

1. has car loans and mortgages, so you can borrow local commercial loans.

2. How many questions are there? It also depends on your relationship with the bank and your purpose.

3 accounts in rural credit cooperatives can lend.

4. Credit cooperatives are not connected to the Internet. One is to get kickbacks, and the other is sponsors or relationships.

auto loan

Refers to the loan issued by the lender to the borrower who applies for car purchase. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.

Can I still apply for a car loan if I have a loan

You can apply for a car loan Loans are not directly related to car loans, but banks will consider individual repayment ability.

Car loans are consumer loans and others are commercial loans. From a policy point of view, the two will not have an impact.

Whether the borrower applies for other loans or car loans first, the bank will measure the borrower's repayment ability and decide whether to issue loans on the basis of considering the debt situation.

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.

The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.

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

The actual interest rate of car loan is set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. Generally, customers with excellent conditions can enjoy the benchmark interest rate or float down 10%, while ordinary customers need to float up 10% on the basis of the benchmark interest rate.

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.

The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.

In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.

And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.

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 find out whether he can apply for a credit card car loan.

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 and goes through the normal car purchase procedures.

4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance.

Finally, I can drive the car away smoothly.

Will car loan affect mortgage?

First of all, answer directly.

Generally speaking, if a borrower applies for a car loan and a mortgage but fails to pay it off, it will generally have some impact on applying for a mortgage.

Second, the specific analysis

Because car loans will definitely be reported at the meeting, it will increase the borrower's debt ratio.

The bank will require the borrower's monthly payment not to exceed 50% of his monthly income.

If the borrower's monthly car loan payment is higher than the monthly mortgage payment, the mortgage is likely to be rejected.

If the borrower's income is relatively high, but there is an overdue record when returning the car loan, or the borrower has some other bad credit in the credit information, the bank will directly reject the mortgage application.

Some borrowers said that increasing monthly income is enough. Of course not, because the bank will check the borrower's salary flow and so on. If the borrower's salary flow is different from the reported flow, then the bank may think that the borrower's information is false and refuse the loan directly.

If the monthly payment of the borrower's car loan does not exceed 50% of the income, and the car loan has been repaid on time, then the possibility of obtaining the mortgage is still very high.

After the mortgage application is approved, the borrower may not apply for other loans before lending, and the bank may recover the loan if it finds that the debt increases in post-loan management.

In Winnie Hsin, get a big data report, find out your overdue records, and classify your online loans into formal and informal, credit-seeking and non-credit-seeking. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.

Third, will mortgage car loans affect decoration loans?

If there is a mortgage or car loan under the name, it will have a certain impact on the approval of decoration loans.

But don't worry, as long as the credit is good and you have the ability to repay the principal and interest of the loan on time, the decoration loan can generally be handled smoothly.

Moreover, the credit level that can be proved by mortgage and car loan can reach the bank standard.

Of course, we should also pay attention to the fact that if the debt is too high and we can't provide enough financial income data to prove that we have enough repayment ability when applying for decoration loans, the loan handling bank is likely to worry about the lack of repayment ability, which will also affect the approval of decoration loans. Maybe the bank will refuse to approve the loan, even if it is approved, it is estimated that the loan amount will not be very high.

In addition, if there is overdue in the process of mortgage and car loan repayment, personal credit will be damaged, and bad information will be recorded in the credit report, and decoration loans will not be obtained in a short time.

Because once the bank finds that there is a credit problem in the examination and approval, most of them will directly refuse to approve the loan.

The introduction of commercial loans and auto loans ends here.