1, with full capacity for civil conduct.

2. Have permanent residence and valid residence status in the region.

3. The vehicle mortgage lender must have a fixed unit occupation and long-term stable income.

4. The vehicle mortgage lender has no bad criminal record and loan credit record, and the social credit is good.

5. The vehicle mortgage lender must be married, aged 22-55, and the female must not be over 50 years old. Unmarried people need to provide an irrevocable joint guarantee from a third party (the requirements of the third party guarantor are the same as those of the lender). The down payment must be above 20%, which may be increased according to the requirements of the unit you apply for a loan, generally 30%.

First, customers directly apply for loans to buy cars at bank outlets. After the guarantee procedures are implemented, customers can choose dealers to buy cars they are satisfied with. Second, buy a car in a 4S shop that cooperates with the bank, sign a car purchase contract or agreement with the dealer, and then apply for a loan from the bank through the 4S shop. Third, apply for an unsecured personal credit loan, and the bank directly lends the full amount to the 4S shop to buy a car. In short, it is the most important step to carefully choose the loan car purchase mode.

Hello, as a person who has been engaged in automobile staging industry for almost 4 years, I would like to talk about some conditions for handling automobile staging here, hoping to help you.

Information required for car staging: 1, ID card 2, driver's license 3, bank account (as required).

Car loan depends on a person's comprehensive situation.

First, credit. 1. The total overdue times cannot exceed 3 times.

2. The single overdue amount cannot exceed 5,000 yuan.

3. The number of credit inquiries cannot exceed 6 times a month (except for credit card management inquiries).

Second, liabilities. All loans except mortgages are considered liabilities. Especially for online loans (such as Ant Borrowing and JD.COM Gold Bar), if the debt is too high, it is necessary to provide bank running water, mainly depending on the interest settlement, balance and incoming and outgoing accounts, and the most important thing is the interest settlement and balance.

Third, income. Have a stable source of income. Whether you are working or doing business, or farming and breeding at home, it doesn't matter.

Car loan should not be difficult. I didn't get a car loan. I bought it in full, because I calculated an account, and the interest on the car loan is actually quite a lot.

Personally, there is a car loan. As long as there is no problem with credit, the loan is easy to come down.

Welcome everyone to discuss together.

1, age1over 8 years old

2. Good credit (not blacklisted)

3. Have a driver's license

Good credit, no overdue, strong sense of repayment, generally easy to pass.

Under normal circumstances, it can be approved, unless there are many online loans on your credit report and there are not many negative assets. Four S stores generally have manufacturer's finance, so the sales audit is not too strict. If I had bought a car, I would have finished the formalities within an hour.

Buying a car loan is very simple, but it depends on your credit and repayment ability.

First of all, why do you need to buy insurance in 4S stores? The price of cars is too clear now. For example, if we buy Volkswagen's fuel car, the price difference between different 4S stores in the same city is actually not big! For example, there are three stores in your city, and most people will definitely choose the one with the lowest quotation after shopping. In fact, it is very likely that they are all bosses, and finally they will let you buy insurance, which is what our 4S shop employees often say.

The price of the car is too clear, and you can't make much money by selling it regularly. Now most 4S stores rely on manufacturers to complete their tasks. When the issued indicators are completed, the 4S store will be rewarded! In-store insurance is to let customers take out more cash. The rule of most 4S stores is that you must buy store insurance at the store, otherwise you would rather not sell it to you! And more than one, many brands of 4S stores are like this! Many people buy hundreds of thousands of cars, 7000 in the first year and 2000 in the second year. The insured amount is not much different. And 2000 has a rebate. How much is 7000? 4S stores can also make a lot of money by selling insurance rebates.

Second, why should customers borrow K to buy a car? There are many possibilities for buying and selling with one hammer. Only by continuous trading can there be long-term development. This sentence is put on buying a car, and you can't give it at once. Otherwise, how can you earn your bread for a long time? And when I sell my car, I can sell the whole car to 500 yuan, and borrow K car to mention 800 yuan. The sales commission is different, but I don't want you to borrow a K car.

And the biggest difference between buying a car in full and buying a car with a K loan is that you can't enjoy a large part of the discount! For example, if you borrow K to buy a car, you will get a discount of 10000, and then you can enjoy other activities! The whole car discount is gone, so you can't participate in the event! At first glance, I hope that guests can borrow K to buy a car and then attract customers with zero interest for 2/3 years. You can keep your own cash, there is no need to buy it in full. It seems to be for the sake of customers, but in fact, the zero interest after borrowing K is true, but you will be charged other fees, such as authorization fee and file management fee. Some contracts say that K must buy insurance in the store during the loan period, and you can buy insurance in the store three years after borrowing K. How much rebate is this? This is where you make money.

Third, how to avoid the pit when buying a car? Although the new car has bought commercial insurance and compulsory insurance, it can be returned, you know? When buying insurance for a new car, you must buy it in your own name (it will be useful in the future). Then you can call the insurance company after obtaining the certificate and ask for a refund of the commercial insurance. Compulsory insurance is not necessarily the same everywhere. Why buy it in your own name? This is because the insurance company's refund method is clever, and it will not be returned to the owner, but will be paid! The insurance that the 4S shop bought for you, even if you return it, is in someone else's account, so it's best to buy it in your own name!

You can borrow K 2/3 years at zero interest. If the funds are not enough, you can borrow a small amount of K. But I advise you not to contact this kind of loan K under the company name, because I met a bankrupt company when I resigned. Later, after the owner paid off the loan K, I couldn't transfer the ownership. I can cancel the mortgage if I want. If this loan company K has a debt dispute and is unable to repay it, your car will be damaged.

Buying a car seems simple, but in fact there are quite a few routines. Most ordinary guests only buy cars once every few years, and most of them don't understand what's inside. After buying a car, they knew they had lost money. In a few years, when they bought a car, the previous method had been changed long ago, but we just need to remember one thing, that is, don't be greedy and cheap, and buy a car through formal channels. That's all! The above contents hope to help everyone!

There are mainly the following methods for car loans. Bank loans, each bank has a corresponding car installment, as long as your credit information is no problem, you can try it. The general down payment is only 30%. For auto financing companies, their conditions are relatively low, and some are only 20%. As long as the current credit is not overdue, the next payment can basically be made. Generally, this kind of car manufacturer's financing is more cost-effective, and the repayment pressure is still relatively small.

As long as there is no problem with your credit information and there are not many loans, approval is very easy.

At present, the loan conditions are very loose. As long as it is not overdue and has good credit, Tmall can buy a car directly. Many car selling platforms can apply with one click, but the handling fee and interest are too expensive. Personally, it is not recommended. I would rather buy a cheaper car.