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Information to be prepared for loan to buy a car

1. Application Form: It is very important to fill out the application form for automobile consumption loan. Generally speaking, important information in the form, such as age and repayment ability, will be an important condition for your successful loan application.

2. Personal data: household registration book, guarantor's ID card, housing certificate and personal income certificate. All documents must be original and photocopy, and generally two copies need to be prepared.

3. Proof of repayment: To buy a car by stages, you must have a stable source of income and need to provide your own running bill for three to six months. Note: In general, the monthly contribution will not exceed 60% of the total disposable income of the family.

4. The third-party natural person shall provide guarantee for repayment of loan principal and interest. Note: Husband and wife cannot guarantee each other.

5. Other conditions stipulated by the bank.

Handling loan car purchase process

Bank loan:

1, prequalification, customers need to go to the bank first to see if they meet the qualification conditions;

2. For the qualification of bank approval, you need to submit personal information, bank account, etc. ;

3. Sign a car purchase contract, pass the preliminary examination, pay a deposit, and sign a contract;

4. Submit a loan application, and submit a car purchase application in stages according to the car purchase contract, indicators and bank flow;

5. The grant amount is generally within one week.

Remarks: The bank audit time is relatively long.

Finance company loan:

1. Apply for a loan, understand the loan scheme and go through the loan application procedures;

2. Submission of materials. Different loan schemes need to submit different materials;

3. After approval, it will be approved by the finance company (Shanxi Tiansheng can make the next payment after ten minutes of approval, please consult for details).

4. Sign the contract, pass the examination, sign the auto financing contract and pay;

What should I pay attention to when buying a car with a loan?

If you don't pay the mortgage for 3-6 months, the car will be detained.

When buying a car by mortgage, most people are concerned about the problems before buying a car: application conditions, interest rate, years, handling fees, etc. In fact, there are many problems after buying a car. There are two most common types:

1. If the repayment is not made on time in a certain month, although it will be made up in time afterwards, a penalty will still be paid;

2. If the repayment is not made in the 3rd-6th installment, the guarantee company will directly detain the vehicle. If the owner wants to get the vehicle back, he can only pay off the loan, liquidated damages and various expenses incurred by the guarantee company in the process of detaining the vehicle.

Generally speaking, there are more chances of overdue once or twice, and most of them are forgotten by the owner for a while.

I haven't paid off the loan yet, but I don't want a car.

After buying a car, a few people are still in the loan period. For various reasons, they don't want it. It's too much trouble to sell cars, so they simply don't pay back the money, just wait for the bank to mortgage the auction. The best way is to apply directly to the bank and sell the car and pay back the money after approval. At least, there is no need to pay liquidated damages, and personal credit information is not affected.

When signing a contract, no matter how thick the text is, you should read it carefully and understand it, such as whether there are any additional conditions and the consequences of breach of contract, and then sign it.

2. Can a freelancer without a job apply for a loan? How should he apply?

If you have proof of repayment ability, you can apply for a loan in this case. The specific process is as follows.

1. Consult the loan-related materials and prepare the required materials;

2. Submit materials and apply;

3. Bank review application;

4. After approval, both parties sign a loan contract;

5. The borrower shall go through the relevant registration procedures for the mortgaged property;

6. Issue loans.

3. How do freelancers apply for credit cards?

How do freelancers apply for credit cards?

When applying for a credit card, you should pay attention to the following points:

1. Look at your occupation: See if your occupation guarantees long-term work. Even if you earn 2000 yuan a month, the bank will take the initiative to ask you for a card, and the amount is not low.

2. Look at your assets: you have strong assets, large deposits or wealth management products in the bank, and the bank will be the owner.

If you are a freelancer and don't have a credit card at present, it proves that in the eyes of banks, you are still a diaosi. If you need a credit card, you must apply for it yourself. Come and ask me!

In this case, if you fill in the information truthfully, I'm sorry, I refuse! Or the card issuing task is not completed, I will give you 2k as a recharge. If you don't brush enough pens carelessly, you can still receive the annual fee of 100 yuan.

Then, neither freelancing nor diaosi can be ok. When filling in the information, just ask those channel providers to do it, such as the kind where someone sets up a stall near the bank or near the square to handle the card for free. For card banks, local cards are the first choice, and the latter will be easier to handle. Work units, it is better to call corporate friends. If not, search for local enterprises and copy the landline. Don't take rural commercial housing above the position manager level. If you don't have your own, write your home address at the card receiving address. Anyway, banks rarely check or call landlines or anything.

I have my first card and want to apply for a credit card, but there is no such bank in the local area, only in nearby cities and other places.

Similarly, search the company's name, address and landline. You can write your home address locally, send the same card to your home address, and you can activate and close the outlets.

Four, freelance, no unit landline, how to apply for a loan?

Not that students need prophase.