How to apply for a personal loan to buy a car, what conditions are needed?
Personal automobile consumption loan is a loan issued by the bank to the applicant to buy all kinds of first-hand cars, that is, non-profit family cars or commercial vehicles with 7 seats or less. The maximum loan amount is 70% of the market price of automobiles and 60% of the domestic market price of imported automobiles.
To apply for a personal car loan from a bank, you must meet the following conditions:/kloc-China citizens (including Hong Kong, Macao and Taiwan residents) aged over 8 and under 60 with full capacity for civil conduct; The borrower's family (including the borrower, spouse and minor children) has a fixed residence at the place where the business institution is located, and has a fixed residence or valid residence certificate; The borrower and spouse have good credit and loan repayment ability; Other conditions stipulated by Industrial Bank.
There are two ways to apply for a car loan: personal credit loan to buy a car (without mortgage or guarantee, you are generally required to have good credit and stable work income), or real estate mortgage loan to buy a car (using real estate as collateral). Personal credit loans to buy a car can generally be borrowed for 5 years, with a down payment of more than 30%. Generally, a car can be mortgaged for up to 5 years with a down payment of more than 30%. The interest rate is mainly determined according to your loan type and your personal qualifications. The models are different, only the loan money is different, and everything else is similar.
Conditions of car loan
(1) has valid identification and full capacity for civil conduct;
(2) Can provide a fixed and detailed address certificate;
(3) Have a stable occupation and the ability to repay the loan principal and interest on schedule;
(4) Personal social credit is good;
(5) Holding a car purchase contract or agreement approved by the lender;
(6) Other conditions stipulated by the Cooperation Organization.
1 down payment depends on how much you can pay.
Then see how much loan you need.
Because the proportion of the loan amount to the bare car price is different, the required materials are also different.
For example, the loan is about 30%, as long as the ID card.
About 50% loan plus driver's license work certificate
70% loan plus bank flow
Above 4 is also the requirement of 4S GM's own financial institutions.
Like going to CCB, you need local social security for 2 years, work certificate, bank flow, regardless of the loan ratio.
How to borrow money to buy a car in Shenzhen? What conditions do you need to buy a car with a loan?
Process of handling mortgage car loan:
Choose a car at a special bank dealer and sign a car purchase agreement or contract;
The borrower applies to the loan bank for personal automobile mortgage;
Sign the contract after investigation and consent;
Go through the formalities of notarization and mortgage of automobiles;
Bank loans;
After the loan is paid off, the pledge certificate shall be cancelled and returned to the customer.
What conditions do you need to buy a car with a loan? What to do?
Basic conditions for handling personal car loans:
1:/kloc-citizens over 0/8 years old with full capacity for civil conduct;
2. Have legal identity documents, local permanent residence or valid residence certificates.
The process of buying a car with a loan:
1: The borrower submits the loan application materials to the bank;
2. The bank conducts a preliminary examination of the application materials submitted by the borrower;
3. The bank conducts credit investigation and customer evaluation on the borrower;
3. The bank examines and approves the loan application that meets the loan conditions through preliminary examination and credit investigation;
4. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower;
5. After the loan contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.
What are the conditions for banks to apply for loans to buy cars?
The basic conditions are as follows:
1. At least 25 years old;
Second, have a stable work unit; Has been working in the current unit for 3 months (some customers need 6 months);
Third, for example, Ping An Xinyi loan product: 1. This product is only handled in the following ten cities: Shenzhen, Guangzhou, Shanghai, Hangzhou, Fuzhou, Xiamen, Quanzhou, Dongguan, Huizhou and Zhongshan; 2. The average monthly income in the past three months (some customers need six months) is not less than 3,000 yuan, and some cities (Shenzhen, Guangzhou, Shanghai and Hangzhou) are not less than 4,000 yuan; 3. At present, it is only for wage earners who pay wages in banks, or small and medium-sized business owners and self-employed.
The process of handling bank loans:
1. The borrower applies for a loan;
2. Prepare loan related materials;
3. Customer manager loan survey;
4. Bank approval;
5. Both parties sign a loan contract;
6. Implement mortgage, pledge, unsecured contract or other guarantee contract;
7. Bank loans;
8. Post-loan management;
9. Repay the principal and interest when the loan is due.
How to handle personal loans in Wuhan? What are the requirements?
The loan amount through China Merchants Bank is small (less than 50,000 yuan). If you are already a user of China Merchants Bank and downloaded the mobile banking APP of China Merchants Bank, you can try to apply through this interface by logging in to mobile banking and clicking My-All-Loan-I want a loan. If you meet the credit card requirements of China Merchants Bank, you can try to apply for a credit card.
The loan amount is more than 50,000 yuan. If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank outlets. Due to the different requirements and application materials of each loan project, the current loan purposes are: car purchase, parking, decoration, education, bulk consumption shopping, tourism and other legitimate personal or family consumption; And the use of business turnover. You can call 95555 at 8:30- 18:00 to enter the manual service and provide the loan purpose and city for detailed information. Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.
What are the requirements for personal loans?
Loan conditions: To apply for a loan, the borrower should meet the following basic conditions: the product has a market, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed. The borrower must meet the following requirements: 1, and the borrower has the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made; 2. Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures; 3. basic account or general deposit account has been opened in the lending institution, and a certain amount of payment deposit has been reserved in the account; Accepting the supervision and inspection of credit and settlement of lending institutions voluntarily, and ensuring that business plans, related businesses and financial statements are submitted to lending institutions on a regular basis; 4 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize. 5. The borrower's asset-liability ratio shall not be higher than 70%. 6. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the borrower must meet the requirements of the State Council, and complete, standardized and effective documents and materials shall be submitted according to the requirements of project management. 7. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets; 8. The borrower must apply for a loan card according to the regulations of the People's Bank of China, and go through the annual inspection procedures according to the regulations.
How to apply for a car loan?
1. If you apply for a personal car loan in China Bank, the borrower shall meet the following conditions:
1, a natural person with full capacity for civil conduct;
2. Effective proof of personal identity;
3. Have the legal ability to repay the loan principal and interest;
4. Good personal credit;
5. Holding a car purchase contract, agreement or letter of intent approved by the handling bank;
6. Providing collateral (pledge) recognized by the handling bank or individuals or units with sufficient compensation capacity to provide irrevocable joint liability guarantee for third parties; Or provide corresponding materials that meet the customer access conditions of the Interim Measures for the Administration of Personal Credit Revolving Loan Quota of Bank of China;
7. Proof of the down payment ability of the car purchase limit stipulated in these Measures;
8. Other conditions stipulated by the handling bank.
Two. The information submitted is as follows:
(a) loan application;
(two) the original identity card, residence booklet or other valid proof of residence, and provide a copy;
(3) Proof of professional and economic income, including but not limited to income certificate issued by the unit, bank deposit certificate, credit card statement, tax payment certificate, etc. ;
(four) the car purchase agreement, contract or letter of intent signed with the dealer;
(5) The certificates or documents required for the guarantee, including the list of mortgaged (pledged) goods, and the certificate that the person who has the right to dispose of it (including the property owner) agrees to mortgage and pledge; Certificate of ownership or use right of collateral issued by the competent department, written appraisal certificate (written appraisal of vehicle invoice price combined with market published price), and documents agreeing to insure; Pledged goods need to be delivered with pledged goods or rights certification documents; The guarantor agrees to perform the guarantee contract and relevant credit certification materials of joint and several liability guarantee; Or documents proving that they meet the conditions for credit loans;
(6) Relevant certificates that the down payment for car purchase has been paid;
(7) Other documents required by the branch.
3. As there are some differences in different regions, please consult the local institutions in detail when applying for loans.
The above contents are for your reference. Please refer to the actual business regulations.
Can I get a loan from the bank if I buy a car?
Need to apply for personal car loans, must also meet the following conditions:
1, a natural person who has reached the age of 18, has full capacity for civil conduct, holds valid identity documents meeting regulatory requirements and has a fixed detailed address;
2. People's Republic of China (PRC) citizens with permanent residence in China, or Hong Kong, Macao and Taiwan residents and foreigners who have lived in People's Republic of China (PRC) for more than 1 year (including 1 year) and have their own property in the place where the loan is applied;
3. Have a sustained and stable legal income or personal legal assets sufficient to repay the loan principal and interest, and have the ability and willingness to repay the loan principal and interest on schedule;
4. Personal credit status is good, and there is no bad credit record in BOC and its peers;
5. Being able to pay the down payment for car purchase in accordance with laws, regulations, regulatory provisions and prescribed limits;
6. Provide effective guarantee recognized by the lender;
7. The purpose of the loan is clear and legal, and it can provide a car purchase contract, agreement or letter of intent recognized by the lender;
8. You need to open a deposit account with BOC before handling the loan;
If entrusted payment is adopted, the borrower shall provide effective counterparty account information, etc. To meet the conditions of independent payment, you need to submit personal account information.
Please consult the local branch of Bank of China for details.
The above contents are for your reference. Please refer to the actual business regulations.
I want to buy a car for less than the full amount. Can I get a bank loan myself? What are the requirements?
You can go to the bank for a loan, and the required conditions are:
1. The car buyer must be a China citizen who has reached the age of 18 and has full capacity for civil liability.
2. Car buyers should have a stable income to support their monthly supply after buying a car.
When applying for a loan, the car buyer needs to have enough down payment in the bank account. If it is not enough, it is impossible.
Put forward a credit guarantee to the lending bank, because without sufficient guarantee, the bank will not lend you money so easily.
5. Through negotiation, the car buyer accepts other additional conditions proposed by the bank.
Extended data:
The specific steps for applying for a car loan are as follows:
① The borrower submits ID card, residence certificate, work certificate, loan purpose certificate and other supporting materials to the bank, and fills in an application form and a contract.
(2) The bank will inspect and approve the borrower's model before lending. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration formalities.
(3) Banks issue loans to borrowers. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.
(4) The borrower picks up the car and repays it on time. The borrower pays the down payment to the car dealer, and goes through the formalities of car pick-up with the passbook and the car pick-up note issued by the bank.