1. An auto financing company shall meet the following conditions: applicant's age 18 years old; Have a stable income, and the income is preferably twice or more than the monthly car loan; Good credit investigation, no bad credit record; The lender has a fixed address in the local area; Personal debt ratio is moderate and there is no large debt. In addition, the application threshold of auto financing companies is slightly lower than that of bank credit cards to purchase cars by installments. Users without credit cards can try to apply for loans from auto financing companies first. If you go to the bank for a loan to buy a car, you need to provide a bank guarantee approved by the bank. If the personal account of the car buyer is not local, it should also provide joint and several liability guarantee, and the bank will not accept the mortgage loan set by the car buyer. 2. Unregistered families have no car loans. Unregistered families refer to families without household registration information, household registration cards (permanent population registration cards) and identity cards in the national census. It is impossible to have a black car loan, because it does not meet the loan conditions of a car loan. If you are an unregistered bank or an unregistered bank, you can try to apply for a loan from a bank through a loan company or find a loan company. Loan companies usually pay less attention to personal credit and more attention to collateral. 3. Users need to meet the above conditions when applying for loans from auto financing companies. If it is a relatively strict loan business of an auto financing institution, the applicant also needs to meet other conditions required by the lending institution. If an auto financing company needs to provide guarantee, the applicant shall provide guarantee or collateral. Usually, anyone with all abilities can apply for a car loan. Car loans are generally paid by credit cards in installments, and users can apply as long as the monthly payment does not exceed 50% of their income. The services of auto financing companies are transferred from offline to online, which simplifies the service process and speeds up the lending. Other conditions stipulated by the auto financing company. At the same time, the following documents need to be submitted: the original valid ID card and proof of marital status; Proof of income; Driving license materials; Documents certifying the lawful property of other individuals; Other materials required by the auto financing company.
2. What auto loan finance companies have joined?
Compared with bank car loans, auto finance companies have a lower threshold for loan applications. Under normal circumstances, credit card car purchase or bank car loan requires the borrower's local household registration and real estate license, otherwise it will be difficult to pass the examination. However, auto financing company loans can only be handled by consumers with good credit records and stable income. It is understood that auto financing company loans do not require high hukou and real estate, and the personal credit, education, income, work and other factors of car buyers are the main reference standards of auto financing companies. In order to control the loan risk, auto financing companies will also investigate the actual situation of borrowers. Generally speaking, as long as the situation is true, borrowers can get loans as they wish. In addition, borrowers need to know the following two aspects: first, the loan term, the loan term of auto finance companies can be up to five years, while the loan term of general credit card car purchase and bank car loan can be up to three years, which also relieves the short-term repayment pressure for borrowers. Second, in terms of loan interest rate, the loan interest rate of auto financing companies will be higher than that of banks, which will also make the borrower's interest burden relatively heavy. Obviously, long loan period and high interest rate are two characteristics of auto financing company loans, and borrowers must understand this before lending to buy a car. Long-term loans are attractive, but borrowers may not be able to afford the high interest rates demanded by auto financing companies.
3. I want to join a financial company whose main business is car loan and mortgage. If there is no joining fee as far as possible, the business volume is large. Please recommend a powerful one to your friends?
Facing Science and Technology, Empowering with Financial Technology, Creating a "Universal Connector"
The first is to help banks build open banks, and how to use the system to realize the "financial technology scene".
The second is to use the system to help the scene directly connect to the bank financial institutions, and adopt the "B2B2C" model to empower the scene, realize the value of the scene, and help the development of the scene format and the ecological growth of customers.
The third is to realize the full-line financial service experience of scenario customers, realize the "non-inductive" financial service experience, and customize services under different scenario systems (unlimited traffic and product dimensions).
For the scene channel, there are WeChat official account and APP, which directly provide API open interface, provide a whole set of system solutions, resources and traffic help channels, build a system directly connected to banks for free, provide online display tools at the front end, and automatically generate a special QR code, which is the only traceability. The mid-range provides a bank-wide financial service experience, and customer acceptance is simple and convenient. The back-end provides business management system, personnel management, business management, customer management, financial management and other functions for scene resources.