You need the owner to apply for a car mortgage certificate, and all the information needs to be owned by the owner himself and signed by the owner, so it is impossible for you to directly apply for a car mortgage in the name of your spouse or parents. Unsecured loan, also called unsecured loan, or credit loan. You don't need any collateral, just identification, income proof, address proof and other materials, as well as the loan you applied for from the bank. Banks issue loans according to personal credit, and the interest rate is generally slightly higher than that of mortgage loans. Customers can choose the loan term according to their individual circumstances, and then sign a contract with the bank, which is guaranteed.

Unsecured loans usually meet the following conditions

1. The borrower is required to be 23-59 years old for men and 23-54 years old for women, which basically coincides with the retirement age.

You can apply for unsecured credit loan if you meet one or more of the following conditions. The maximum amount of a single person is 3 million, and the maximum annual interest of both husband and wife is 3.25%. The longest matching principal and interest is 5 years, with interest paid first and principal repaid for 3 years.

1. Wages paid on behalf of employees are tax-deductible, more than 5,000 yuan before tax, and they have worked in the current unit for more than 3 months.

2. If the provident fund has been deposited continuously for more than 3 months, and the individual deposit amount is more than 600, you can apply for interest first and then apply for the principal.

3. The social security deposit base is more than 5,000 yuan.

4. The whole country has a full house.

The mortgage house under the name of the whole country has been repaid for more than half a year.

6. Cars in all countries

7. National life insurance

8. Beijing hukou

9. Beijing Business License

10. Sesame score is over 700. Micro-loans and credit cards have been used for more than one year, with no overdue and good credit.

1 1. Bachelor degree or above.

Matters needing attention in loan

First, apply for a loan amount according to your ability.

When applying for personal housing loans, borrowers should make correct judgments on their current economic strength and repayment ability, and at the same time make correct and objective predictions on their future income and expenditure.

Second, choose a good loan bank for mortgage.

For borrowers, they can choose their own loan banks to buy existing houses or second-hand houses. The more services provided by mortgage banks, the more detailed they are. You will get flexible and diverse personal financial services, as well as a rich service and product portfolio. From the perspective of citizens, there is no doubt that the more choices citizens have, the better.

Third, choose the repayment method that suits you best.

At present, there are basically two ways to repay personal housing loans: one is equal repayment, and the other is equal principal repayment. The advantage of equal repayment method is that the borrower can accurately grasp the monthly repayment amount and arrange the family's income and expenditure in a planned way. Average capital's repayment method is more suitable for individuals who have strong repayment ability at the initial stage of repayment and want to pay a large amount at the initial stage of repayment to reduce interest expenses.