1. The borrower has valid identification and full capacity for civil conduct.

2. The applicant has a fixed residence and can provide an address.

3. The borrower has a stable job and economic income.

4. The income can reach at least twice the monthly payment, and it can provide a continuous bank flow for six months.

5. Be able to pay at least 30% down payment for car purchase.

6. Be able to provide the guarantee recognized by BMW Finance Company.

7. Agree to other conditions stipulated by BMW Finance Company.

Is AliPay account a running water?

Don't think that running water comes in and out. Simple and frequent access is not running water at all. Now everyone likes to use Alipay's balance treasure and transfer money as soon as the salary arrives. Strictly speaking, this is not a "bank flow". Only a few banks with large lending indicators will admit it, but the inspection is very strict!

As soon as the salary is paid, it will be transferred to Yu 'ebao. In this way, the bank may think that you have a large fixed monthly expenditure and doubt your repayment ability.

The following processes are basically invalid:

1, access;

2. Save less and take more. If you deposit 1000 and take 5000, the card balance is too small;

3. There is no running water for two months in half a year;

4, Alipay traffic, WeChat payment traffic, etc.

5. Credit cards are flowing.

How to increase the loan amount in the case of insufficient running water?

If the salary is not enough, you can ask the company to issue an income certificate, indicating how much bonus is paid in cash. Married people can provide both husband and wife with the same water, and college students who have no financial ability can let their parents be the same borrowers.

The job industry affects the loan amount.

The industry you are engaged in not only affects everyone's income, but also affects everyone's loan, which is good for your heart.

Ordinary wage earners have lower loan quotas than those who work in state-owned enterprises and top 500 enterprises. Because the latter's work unit is stable and the repayment trust is higher, banks are not worried about their "running away", and people in teachers, doctors, finance and other industries will score higher.

What are the jobs with low loan amount? Sales and service industries will be relatively low. It is more difficult for people engaged in high-risk industries such as aerial work, fireworks and firecrackers, and dangerous chemicals to borrow money, because such people will be judged by banks to be life-threatening at any time and cannot guarantee to repay the loan on time.

The bank's ability to audit the lender's repayment mainly depends on the income. If your income is stable and high in the past six months, then the loan amount obtained is also high.

One more thing, when the bank examines the lender's financial situation, if your repayment amount exceeds 50% of your family's monthly income, it will carefully approve the loan or even refuse to approve it.