The credit information is not good, but there is a car in the name that can be loaned. There are two kinds of bad credit reporting: credit reporting and overdue records. If there are only a lot of hard inquiry records on credit information, and the loan credit information is very expensive, it will be difficult to apply for a loan. If you can prove your repayment ability, you can still try to apply for a loan, but the loan amount may be less or the loan interest rate will be higher. The reasons for poor personal credit information are: 1, default information. Default information is generated in financial institutions, such as leaving overdue records and illegal payment records in commercial banks, credit cooperatives, companies, auto finance companies, consumer finance companies, etc., which will leave stains on credit records; 2. Punishment information. Some people have economic contacts with others and are accused. If you refuse to implement the judgment after receiving it, these bad behaviors will be reported to the credit information system, especially the "lazy politics" behavior. 3. Tax arrears information. Now the tax department will report the tax information to the central bank's credit information system. Whether it is personal income tax arrears or some taxes and fees of enterprises, it will have a negative impact on credit investigation. Therefore, we must pay taxes and fees in time in strict accordance with the requirements of the tax authorities; 4. Information on administrative punishment.

Second, bad credit. Can I borrow a big green car from the government bank? Thank you.

It is possible in theory, but it is difficult to operate in practice, because cars are movable property and the acceptance of banks is limited (movable property is much more risky than real estate)

Required information:

1, the original and photocopy of the motor vehicle owner's identity certificate (the original and photocopy of the organization code of the unit vehicle, and the original and photocopy of the valid residence permit of the temporary population);

2. Mortgagor's identity certificate (official seal required);

3. Power of attorney of the mortgagor (with official seal and cheque stamp);

4. If it is an agent, the original and photocopy of the agent's identity certificate and the power of attorney are also required;

5. Motor vehicle registration certificate;

6. Fill in the Application Form for Motor Vehicle Mortgage Registration and Pledge Filing.

Matters needing attention in face-to-face signing of bank loans:

1. working hours: when asked about the working hours, if the answer is less than six months, then the bank will feel unstable and the probability of issuing loans will be much reduced. Ordinary banks will require six months, and very few banks will relax it to three months.

2. Salary payment: The most important question in face-to-face interview is to ask about income, especially how the salary is paid, whether it is cash or punching, and which bank it is if punching. This problem can be verified by the bank's payroll. I suggest you prepare the salary table before the face-to-face signing.

3. Parents' physical condition: Marital status is a question that all interviews will ask, and some banks will ask parents about their application status. If parents are in poor health, seriously ill or have other large expenses, then their wages are high and their repayment ability will be doubted by banks.

3. Can I borrow a car with bad credit?

If you apply for a loan through China Merchants Bank, the overdue record will affect your credit information. Apply for a loan or credit card later, and all banks can check it. The specific impact needs to be judged after your application bank has reviewed it.

Fourth, can the car loan credit report be bad?

Can I get a loan if I have bad car credit in my name?

Whether you can get a loan depends on two things:

1. Bad credit information can be divided into two types: credit information and overdue records.

If there are only a lot of hard inquiry records on credit information, and loan credit information is relatively expensive, it will generally be difficult to apply for a loan, and you can prove your repayment, but the loan amount may be small, or the loan.

If there are many overdue records of credit information, such as poor willingness to repay more than three times in the past two years, the application for loans will often be directly rejected; However, there are few overdue records, which meet the specific requirements of the product.

2. If the car under the name of the loan applicant has obtained the title certificate, then you can consider using the car as collateral to apply for a mortgage loan; If you don't have a title certificate and still pay the car loan, then the car can't be bought or sold, can't be mortgaged, and you can apply for property rights.

Car mortgage does not require high credit information, and it can generally be handled. How much loan you can get depends on the value of the car.

In short, having a car under the name needs to be analyzed in combination with the credit information of the loan applicant. In order to improve the loan success rate, it is suggested that everyone should strive to maintain a good credit record.