See what you take as a loan. If it is mortgage or fixed capital, it will generally be approved.
If you use the car provided, the general practice is to open a credit card.
The second is to look at your repayment ability and debt situation, and hope to adopt it.
Second, the monthly supply of cars has not been completed. Can I take it to the bank for a loan?
Under normal circumstances, banks will not issue loans for such cars. It is originally a monthly payment, which is equivalent to the loan of the car itself.
3. Can the mortgage car transfer the bank loan to others?
You can't apply for a mortgage loan from the bank, but you can apply at Ping An Pratt & Whitney, several credit insurance companies (Dida Insurance Sunshine), several consumer finance companies (Bank of China) and external microfinance companies. The minimum requirement must be mortgaged for half a year. This limit is based on your monthly payment, vehicle value and credit liabilities. In terms of interest, BOC is the lowest, followed by Ping An Pratt & Whitney and Xinbao Loan Company. Finally, the small loan company.
If the car loan is not paid off, can I get a loan?
If the car loan is not paid off, you can get a loan, but you need to submit a good bank account at the time of loan. Only in this way can banks approve loans. After all, if you borrow money without paying off your car loan, the monthly repayment amount will increase, and you can only apply for a loan again if you have better income. Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio between the loan amount and the principal given by the bank to consumers, that is, borrowers, to buy their own cars (non-profit family cars or commercial cars with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers. You can't replace the car loan until it is paid off. Replacing a car involves the change of the mortgage right of the car, and the bank will not allow the car to be replaced before the loan is paid off. Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also known as automobile mortgage. According to Article 4 of the General Principles of Loans, the lending activities of both borrowers and borrowers should follow the principles of equality, voluntariness, fairness and good faith. The car loan has not been paid off and cannot be transferred. Generally speaking, the car purchased by loan cannot be transferred before the car loan is paid off, because the car is mortgaged to the lending institution. If you want to transfer your vehicle, you must get the consent of the creditor. Because because the vehicle in the repayment cycle cannot be traded and purchased, it is obviously not transferable. There are many factors that determine whether an individual can still apply for a car loan, including: 1, the applicant's credit history. How does a person's credit record determine whether he can apply for a car loan? If he has a good credit record, he can apply for a car loan, otherwise he can't. 2. The repayment ability of the applicant. In the case that the loan has not been paid off, whether the applicant can apply for a car loan again depends on the applicant's repayment ability. If the applicant doesn't have enough repayment ability, he can't apply for a car loan. Therefore, if you have not repaid the loan, you can apply for a loan to buy a car, but only if the borrower has sufficient repayment ability and a good credit record.