First of all, it is easier for you to have a property right certificate, or you can have a credit guarantor with the same assets. At present, all major banks can apply for loans, such as industrial and commercial banks, agricultural banks, China Construction Bank, credit cooperatives and other financial institutions, and then provide proof, as well as the real estate title certificate or guarantor statement and valid assets certificate you mortgaged.

Second, what are the conditions for buying a big car with zero down payment?

1, a natural person with full capacity for civil conduct, aged between 18-60;

2. Have a local account and can provide proof of identity and residence;

3. Stable income and strong repayment ability;

4. There are property certificates or other financial certificates.

4s shop zero down payment car purchase process

1. First, the customer needs to apply to the bank and fill in the corresponding application form, and provide the required materials (such as local household registration book, ID card, valid income certificate, house purchase loan contract, etc.). ) According to the requirements, and if necessary, call the bank customer service first to avoid a trip in vain;

2. If it is approved, sign a loan contract and contract guarantee, handle relevant notarization as appropriate, and complete mortgage registration procedures;

3. After the bank agrees, transfer the money to the car dealer or personal account according to the agreed transfer method;

4. The borrower must fulfill the contractual obligations and transfer the funds on time. It should be noted here that if the settlement is made in advance, a certain penalty will be charged. Overdue repayment for more than 3 months may be entered into the credit information system, and serious cases may be prosecuted. It has the right to tow the vehicle away and auction it, and the proceeds from the auction will be used to pay off debts;

5. Remember to bring the loan settlement voucher and valid identity documents to retrieve the relevant custody vouchers/documents when all the money is settled, and go through the mortgage registration cancellation procedures at the original mortgage registration department.

3. Don't credit cooperatives need loan certificates to buy large trucks?

Don't credit cooperatives need loan certificates to buy large trucks? No, you need a loan from the credit union to buy a big truck. What does he need his own papers for?