It's easy to pass, but it depends.

The process of buying a car with a bank loan is as follows:

1. After the car buyer selects the vehicle to be purchased, he prepares relevant materials and applies for a car loan from the loan bank;

2, the loan bank according to the submitted application materials for review and investigation;

3. After approval, the borrower signs a loan contract with the loan bank;

4. The borrower shall go to the local vehicle management office for mortgage registration;

5. The loan bank issues the loan, and the borrower takes the relevant certificate to the dealer to pick up the car.

Basic application conditions for auto loans:

1. Applicant 18 years old or older, but in some places, applicants are required to be over 23 years old, mainly to ensure the repayment ability of users. Please consult the staff for details.

The applicant must have a stable job and a good source of income. It is best to work in the current work unit for more than half a year to prove that you have the ability to repay the loan principal and interest on time.

3. If the applicant applies for a car loan in a bank, he/she also needs a good personal credit, and there can be no traces of frequent credit inquiry in a short time, and other loans or credit cards under his/her name are not overdue.

4. If the applicant borrows money from some auto financing institutions or 4s shops, it is necessary to provide some corresponding certificates, and it is best to have a stable residence where the loan is located.

Analysis on the reasons for the rejection of automobile loans;

1. The applicant's credit information is bad. If you want to apply for a bank car loan, you must ensure that there is no serious stain on your credit record for two years. If the applicant has an overdue record at present, then the application for car loan is definitely rejected.

2. Insufficient repayment ability. Although the threshold of car loan is relatively low, it also needs a stable work income. No matter what banks or lending institutions are most afraid of, they will pay special attention to the repayment ability of lenders. If your application materials show that your repayment ability is not strong, the chances of rejection are relatively high.

3. Banks and lending institutions will also review the borrower's debt when approving the application for auto loan. If your debt exceeds 50% of your monthly income, it will be more difficult to apply for a loan.

Is it easy to approve car loans?

Auto loan approval is the same as other loan approval. Whether it can be approved depends mainly on the qualifications of the loan applicant. Theoretically, as long as users meet the application requirements of loan products, it is relatively easy to pass. But overall, the application threshold of car loan is higher than credit loan, but lower than mortgage loan. Applicant 18 years old or above, has a stable work unit and income source, personal debt ratio is less than 50%, no bad credit record, and the probability of obtaining a car loan is high.

The reasons why the car loan passed and failed are as follows:

Car buyers have insufficient repayment ability and unstable willingness to repay.

1. The repayment ability is weak. The management will evaluate the repayment ability of customers through their income level and liabilities. Customers are generally required to pay their wages to the bank. If the evaluation is unqualified, it proves that the loan will be rejected. Therefore, when the mortgage specialist collects information, if he finds this problem of the customer, he should ask the customer to supplement other income certificates or asset ownership certificates in time to improve the customer's qualification and loan pass rate;

This job is unstable. Most employers usually require their customers to have a stable job, because a stable job means a relatively stable income. If the customer is a freelancer, with high or low income and frequent job changes, it is difficult to obtain loan qualification. Of course, different employers have different evaluation conditions for job stability.

3. High debt ratio. Debt ratio is also an important factor for employers to evaluate customers' repayment ability. If the debt ratio is too high, the loan will naturally be rejected, because there is a high risk that the customer will not be able to repay. Taking banks as an example, it is stipulated that if the total monthly loan repayment of customers is higher than 50% of monthly income, it will not be approved.

Doubts about the purpose of buying a car

The so-called earmarking, financial institutions also need to confirm whether consumers have a clear purpose and willingness to buy a car, otherwise it will bring the risk of overdue or default.

1. Except immediate family members and spouses, you cannot apply for a loan on the grounds of buying a car for others. For example, consumers say that they are boyfriends or cousins who buy cars, and financial institutions will refuse to lend money because of the risk of default;

2. The price of a new or used car is 20,000 to 30,000 higher than the guide price or market price. Even if consumers lose their minds at the beginning of buying a car and buy a car, will they suddenly wake up and feel that the car has sold tens of thousands more? Even if the financial institution takes back the car and sells it in the second-hand market, it will not make up the loan amount. Similarly, if the car condition is obviously bad, financial institutions mortgage assets with distorted values;

The customer service called the consumer and the consumer didn't know anything.

Is it easy to approve financial loans in car home?

No, according to the bank, unless the conditions are very good, such as having real estate, you can get the interest rate in car home by borrowing from the bank.

Auto financing companies serve car sales, and the handling fee is more or less. Tight cars have high fees, some of which are much higher than banks. If car dealers engage in activities on some cars, they may not charge fees, which is more cost-effective than borrowing from banks.

The specific rate should be calculated by data. For example, a bank collects 10,000 RMB 600-700 a year and 800- 1000 in two years.

Auto financing companies are generally operated by auto sales companies. If you borrow money and don't pay it back, it will have security problems, which is no problem for you.

The bank loan is secured by a new car. If the amount is large, other guarantees may be needed. The loan is only 654.38 million yuan, and the down payment is more than 50%. A new car is usually enough. You may need to provide information about your own house and income. Every company is different. It won't be long before you finish the information he wants, because it's the off-season of car sales and there will be preferential prices.

Car home was curious about the loan, filled in the contact information and name, and wanted to have a look at the loan plan. It won't really work, will it?

Loan, it's not that easy. At least you should have an ID card and proof of personal financial ability (such as the salary and income certificate issued by the company where you work).

So, don't worry.

However, if you enter your personal contact information casually on the website, you may be harassed by some phone calls in the future.

I applied for a loan from an auto financing company. Can it be approved? Is it difficult?

As long as you have certain financial ability and no bad credit such as overdue, it is usually easier for auto financing companies to apply for loans. It takes about 5 days for a general auto financing company to review the loan, and with the time for lending, the formalities can be completed in about 10. Under normal circumstances, the down payment ratio is 30%, and the repayment period is 1 to 5 years.

The specific process of car loan is as follows:

1. Select the desired vehicle type, fill in the application materials and provide the certification materials;

2. The general finance company may send company investigators to your residence to understand the situation and collect information;

3. After approval, pay down payment and purchase tax, sign a contract, and handle mortgage registration;

4. Pick up the car to ensure timely repayment in the later period.

Personal automobile consumption loans are as follows:

1, bank car loan

Procedures: you need to provide household registration book, real estate license and other information, and usually you need to use the house as collateral, find a guarantee company to guarantee, and pay the deposit and handling fee.

Down payment: Generally, the down payment is 30% of the car price, and the loan period is generally 3 years. Need to pay a deposit of about 65,438+00% of the car price and related handling fees.

Interest rate: the bank's car loan interest rate is determined according to the bank's interest rate.

2. Auto financing company

Procedures: car buyers do not need to provide any guarantee, as long as they have a fixed occupation and residence, a stable income and repayment ability, and good personal credit.

Down payment: the down payment ratio is low and the loan time is long. The minimum down payment is 20% of the car price, and the longest life is 5 years, without paying the mortgage fee.

Interest rate: The interest rate of auto financing companies is usually higher than that of banks.

Companies: SAIC General Motors Finance, Volkswagen Finance, Dongfeng Motor Finance, Mercedes-Benz Finance, Ford Finance and Toyota Finance.

3. Automobile Factory Finance Company

Procedures: You need to provide mortgage guarantee for the purchased vehicle. The applicant should have a stable occupation, domicile and repayment source, and have a good credit record.

Down payment: the minimum down payment is 20% of the car price, and the longest period is 5 years.

Interest rate: The interest rate is usually slightly higher than that of banks and slightly lower than that of auto financing companies.

Companies: SAIC Finance Company, FAW Finance Company, GAC Huili, etc.

4, credit card car installment payment

Car purchase by credit card installment is a credit card installment business launched by banking institutions. The credit limit that the cardholder can apply for is 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for buying a car by credit installment, and the bank only charges a handling fee. The handling fee rate is different in different installments.