Users can borrow money to buy a car without a job. Buying a car with a loan requires the user to have the ability to repay the principal and interest. Without a job, they can't provide tap water for the bank. At this point, users can submit additional financial certificates to banks or auto financing companies. As long as banks and auto financing companies recognize users' financial certificates, they can apply for car loans without jobs.
Whether an applicant has a job or not is an important reason for banks and lending institutions to decide whether to lend money, so it is difficult to borrow money to buy a car without a job, but it is not impossible to borrow money to buy a car. As long as you can provide sufficient bank flow, or have assets such as real estate as collateral and qualified guarantors as guarantee, you can also borrow money to buy a car.
Whether the loan to buy a car is approved depends not only on what aspects, but also on whether the applicant meets a series of requirements for loan to buy a car. Failure to meet one of the requirements does not mean that it cannot be approved. The bank will make a comprehensive evaluation of the applicant.
Can I get a loan to buy a car without a job?
You can't borrow money to buy a car without a job and collateral.
Without stable income and repayment ability, banks will not accept:
Car loan object: The borrower must be a resident of the permanent residence where the loan bank is located and have full capacity for civil conduct.
Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability.
Loan amount: The maximum loan amount generally does not exceed 80% of the price of the purchased car.
Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years.
Loan interest rate: uniformly stipulated by the People's Bank of China.
Repayment method: you can choose one-time repayment method of principal and interest and installment repayment method (equal principal and interest, equal capital).
Can I get a loan to buy a car without a job?
Of course.
Users can borrow money to buy a car without a job. Buying a car with a loan requires the user to have the ability to repay the principal and interest. Without a job, they can't provide tap water for the bank. At this point, users can submit additional financial certificates to banks or auto financing companies. As long as banks and auto financing companies recognize users' financial certificates, they can apply for car loans without jobs.
Of course, banks and auto financing companies will comprehensively review users' credit qualifications, and whether they have a job is only one of the audit factors, which will not directly affect the audit results.
Matters needing attention in loan car purchase:
1. Interest-free car loan ≠ No handling fee.
Nowadays, in order to attract consumers to buy their own cars, many dealers will offer interest-free car loans, but this is not the case, because although they give you interest-free on the surface, they actually charge a handling fee, which is actually similar to interest, not really interest-free as they say.
You need to buy car insurance.
Under the premise that the loan for buying a car has not been fully paid off, the acquaintances of the car do not belong to consumers. In order to reduce the risk, dealers usually put forward some car insurance that must be purchased as loan conditions in the car loan contract.
When buying a car with a loan, as a condition and requirement of buying a car with a loan, the dealer will ask consumers to buy four main insurances in our store. For example, for a 200,000 car, the insurance premium is about 1000 yuan, so when buying a car, you must read the insurance clauses carefully to avoid falling into the trap.
3. Negotiate the termination agreement before handling the mortgage.
When consumers borrow money to buy a car, they will encounter the situation that the funds are slower than before because the audit fails. When signing a contract, they must pay attention to the information such as the way, date and amount of refund, which are generally indicated in the signed agreement. At this time, consumers should read it carefully.
4. Confirm the repayment time and amount.
There are two ways to buy a car by loan: equal principal and interest and average capital. After you confirm which method, you need to determine the repayment time and minimum repayment amount. It may increase the repayment cost because of unsuccessful deduction, so to avoid this result, we must confirm the repayment time.
5. Low monthly payment seems cost-effective, but you should pay more attention.
We often hear and see such advertisements: "Just pay back 18 yuan one day" and "Pay back 2,000 yuan a month, and XX will drive home". But don't be deceived by this surface. What seems like a good thing to take advantage of is actually to make you spend more money. As long as you carefully calculate the interest rate of the loan, these advertisements are all traps. Don't be fooled by others.