You can't apply again.
1. Gitzo Cash Loan is a credit loan, and individuals cannot apply again. Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee.
2. It is characterized in that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk.
Second, can I get a second loan for the loan car I just bought?
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Third, can the loan car get a second loan?
Yes, but only if certain conditions are met. The conditions that the borrower needs to meet for the second mortgage include: the car with the second mortgage has room for refinancing. The procedures for handling the second mortgage of the car should be complete. The borrower has a legal and stable source of income and repayment ability. Other conditions required by the lending institution. Judging from the above conditions, if a car wants to apply for two mortgage, it needs not only the space for a second loan, but also the legal and stable income of the borrower. Only when two conditions are met can you apply for a second car mortgage. Extended data:
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 borrower of the loan object must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct. Loan Term: The loan term for general automobile consumption is 1-3 years, with a maximum of 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. Loan interest 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 float within a certain range of the benchmark interest rate. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines the cost of people's loans and becomes an important factor in determining whether people lend. Car loan type Personal loan car purchase business can be divided into direct loan, indirect loan and credit card car loan. 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, the car loan of individual auto financing companies also needs to bear the supervision fee, fleet management fee and warranty renewal deposit. 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 are roughly as follows: 1. The cardholder (or applicant) calls the credit card center of the bank 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.
4. Can a mortgage car get a second loan?
Not necessarily. Even if I can, it's not high, unless I have a good relationship with you. The retail price of the car is 200,000 yuan, and you have a mortgage, so for example, 6,543,800 yuan, and you still have a surplus value of 6,543,800 yuan. The company will consider lending you 30,000 yuan in this 654.38+00 Wan Li, because you have a mortgage, and the troubled bank is the first creditor, and they rank second, so it is usually difficult to get a loan, even if there is one, it is rare.