If you meet the requirements, you can apply for unsecured credit loans. The conditions are as follows: ① For high-net-worth people: These products are mainly aimed at civil servants; Staffing of teachers, doctors and other institutions; Finance, telecommunications, electric power, tobacco, oil refining, ports, salt affairs, lawyers, accounting and other industries have formally established employees. Product advantages: fast payment (about 3 days), high amount (maximum 1 10,000 yuan), low interest (6%-8% annual interest) ② For individual industrial and commercial households and business owners: for people who have normal business premises (preferably in large business districts), real estate under their names and good running water. Product advantages: high amount (up to 500,000 yuan) and long term (up to 5 years). ③ Customers with mortgage under personal name: Mainly for customers with mortgage or car loan under personal name, it is required that the mortgage must be repaid for half a year and the car loan must be repaid for one year. The loan amount of a mortgage customer is 45 times the monthly repayment amount of the mortgage, and the loan amount of a car loan customer is 36 times the monthly repayment amount of the car loan, and the payment is 3 to 5 days. Slow Bull Wealth provides specific consulting services.
Can I get a loan to buy a car? What are the requirements?
A loan can buy a car.
Application conditions:
1, the original ID card, residence booklet or other valid proof of residence, and provide its copy;
2. Proof of occupation and economic income;
3 car purchase agreement, contract or letter of intent signed with the dealer;
4. Other documents required by the Cooperation Organization.
After you have provided these procedures for buying a car by mortgage, you need to meet some other conditions before you can apply for buying a car:
(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.
Extended data:
Buying a car process:
1. Lead the customer to the bank's special dealer to choose a car and sign a car purchase agreement or contract;
2. The borrower applies to the loan bank for personal automobile mortgage;
3. Sign the contract with the consent of the investigation;
4. Go through the formalities of notarization and mortgage of automobiles;
5. Lenders (banks) handle loans;
6. After the loan is paid off, the lender (bank) cancels the pledge certificate and returns it to the customer.