That won't do. The loan used for mortgage must be a property in the name of an individual. If you want to borrow money from your wife's car, you must ask her permission and provide a marriage certificate.
Second, how to get a loan for the car under the wife's name?
If the wife's car is bought with the same income of husband and wife after marriage, then the car belongs to the husband and wife, and they can use it to go to the bank after they are interested.
And if the wife bought the car with her own money before marriage, the husband can't dispose of it at will.
Unless the wife transfers the car to her husband, the husband will apply for a mortgage loan.
In fact, if the husband is in urgent need of funds, well, he can also apply for a credit loan directly from the bank with his own reputation without using his wife's mortgage loan.
Or if you have other assets, you can also apply for a loan with other assets as collateral, such as real estate.
If you use your wife's car to handle mortgage loans, you must pay attention to repayment on time to avoid overdue behavior. We should know that the overdue situation will be reported to the central bank for credit investigation, which will lead to personal credit damage and affect the handling of credit business in the future.
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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 proportion of money paid by banks to consumers, that is, borrowers, to buy their own cars (family cars or more than 7 seats (inclusive)). The higher the interest rate, the more consumption.
Type of automobile loan
Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. In the case that the bank car loan is a direct loan, the car loan of an auto financing company will generally be transferred to the car loan of an auto financing company of the customer.
Banks charge deposit, principal and interest and 3% for direct car loans, but the preferential policies of different banks 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 is only provided for bank credit card users, and there are also audit procedures, so it is not difficult to handle it.
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 holds his ID card to the dealer's site to fill in the installment order for car purchase and submit it to the bank for review.
After the order is approved, the car purchase procedure is normal.
Cardholders need to go to the bank to go through the mortgage formalities and purchase the required auto insurance.
5. I can finally drive away smoothly.
loan limit
The maximum loan amount is 0%.
Letter of credit clause
1, valid identity and complete civil affairs.
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.
Third, the car can be loaned in the name of the wife's online loan.
Well, it depends. If the car under the wife's name is the wife's personal property before marriage, then the husband can't apply for a mortgage loan with his wife's car at this time because it is not the husband's property. This car was bought by the couple, but the owner's name is his wife. As long as his wife agrees, he can use his wife's car to apply for mortgage loans from relevant banks and lending institutions. Generally speaking, it depends on who owns the car, who can apply for a mortgage loan, and the rest have no right to apply. : 1. Car loan 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. Second, the repayment method of car loan can be one-time repayment of principal and interest and installment repayment (equal principal and interest, average principal). 1. One-time repayment of principal and interest, also known as one-time repayment of principal and interest at maturity, means that the borrower does not repay the principal and interest monthly during the loan period, but pays the principal and interest once after the loan expires. Recently, the People's Bank of China issued a personal housing loan with a term of 1 year (including 1 year), which adopted this method. At present, the bank stipulates that the loan period is within one year (including one year), so the repayment method is a one-time repayment of principal and interest, that is, the principal of the initial loan plus the interest of the whole loan period. The calculation formula of lump-sum debt service method is: lump-sum debt service amount = loan principal ×[ 1 annual interest rate (%)] (loan term is one year) = loan principal ×[ 1 monthly interest rate (‰) × loan term (month)] (loan term is less than one year), where: monthly interest rate = annual interest rate. The calculation formula of monthly repayment amount is as follows: [loan principal × monthly interest rate ×( 1 interest rate) repayment months ]≤[( 1 interest rate) repayment months-1] 3. Average capital distributes the total amount of loans evenly during the repayment period, and repays the same amount of principal and interest generated by the remaining loans every month. Calculation formula of average capital loan: monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.
Fourth, my husband has online loans. Can a wife borrow money to buy a house?
1, generally it doesn't matter. It depends on the amount of the loan and your repayment ability. The bank will review it.
2. The loan is approved, and the credit card and online loan are paid off and approved directly. No problem. After the loan is approved, it can be re-loaned. You can borrow it from relatives and friends for a month or two!