1, employment status
If you are employed, you have a source of income from work; If you lose your job, your repayment may not be guaranteed. Although the purchased vehicle is used as collateral, the purpose of the lending institution is to recover the principal and interest of the loan on time in order to obtain profits.
2. Career information
Depending on the nature, position, title, working hours, etc. If the work unit is an institution or a group with a professional title, then the credit or stability may be better, which is more conducive to the loan to buy a car.
3. Debit account information
Including the number of borrowed accounts, the total amount of credit granted, the amount used, etc. , you can judge a person's accumulated liabilities. If the debt is high, then the repayment risk is relatively high, which may not be conducive to the approval of the loan to buy a car.
4. Repayment records
Mainly check whether there is overdue at present, as well as the past overdue times, overdue time, overdue amount, etc. Overdue represents dishonesty and insufficient repayment ability, which is the key verification content of loan to buy a car.
5, query records
Can be in the case of loan review, credit card approval, etc., to make statistical analysis of the number of visits. If you visit too many times in a period of time, people may feel short of money and even doubt the source of the down payment for buying a car, so you can properly control the frequency of application, spend rationally and borrow as needed.