1. Is there a problem with credit reporting? When applying for a car loan, both the bank and the manufacturer's financial department will review the credit report. There should be no record of non-performing loans in credit information, and it is best not to have long-term loan records in the near future.
If there is something wrong with the credit report, it may lead to the failure of the car loan application.
If there is something wrong with the credit information, it will be more difficult to apply for a car loan. If the formal lending institution may not agree to the loan application, if it is not in a hurry, it can wait until the credit information is repaired before applying for a car loan. However, credit information repair is not a simple matter, it takes a long time.
2. Does the income meet the requirements? After applying for a car loan, it is natural to have sufficient repayment ability. Therefore, lending institutions will pay more attention to income. Generally speaking, the monthly income is at least twice as much as the monthly car loan. If there are other outstanding foreign debts, this standard will be raised.
When applying for a car loan, the lending institution will judge the income by combining the income certificate and the income flow. If the income does not meet the requirements, the car loan application may not pass, and the impact is still relatively large.
3. Whether an adult car loan is also a kind of loan requires the lender to be an adult in terms of compliance. If you are not an adult, you can't apply for a car loan, otherwise you will be directly rejected by the lending institution.
4, to have the capacity for civil conduct In order to prevent loans overdue in the future, then the lending institution will require full capacity for civil conduct, so that even if the car loan is not repaid in the future, the lending institution can still protect its rights and interests through legal channels, and can't make itself unable to bear the debt responsibility because of physical reasons.
5. After applying for a car loan, the vehicle needs to be mortgaged. In order to protect their rights and interests as much as possible, lending institutions will require vehicles to have certain market value and be easy to realize, especially when buying used cars to apply for loans. Lending institutions will pay special attention to the situation of the vehicle itself.
6. Whether to apply for a car loan in the bank after paying the down payment generally requires a minimum down payment of 30%, and the down payment for applying for a car loan may be lower in the manufacturer's finance. The specific down payment needs to be subject to the requirements of the lending institution. If the down payment is not paid as required, then the auto loan application will naturally not pass.
7. Vehicles can apply for mortgage loans, which are mainly common in second-hand car loans. When buying a used car, you may encounter some cheap vehicles but you can't apply for a mortgage. This is usually because you have not obtained a motor vehicle certificate or the previous loan for the vehicle has not been settled. In this case, you will not be able to apply for a car loan.
It can be seen that in order to successfully apply for a car loan, there are many requirements to be met. Before applying for a loan, you can prepare your own information and ask the lending institution whether you meet the loan requirements.
In addition, when paying the car deposit, you can sign a written agreement with the 4S shop. If the loan fails, you can refund the deposit in full.
Generally, people will leave traces of inquiry when using the credit records of the central bank, which is unfavorable to the friends who lend money. Moreover, most online loans have not received credit information, so they can't find specific online loan information in the credit information, but now they can know their personal data through "Beijian Quick Query". Without inquiry records, they can also learn more about overdue information, application records, untrustworthy information, online loan blacklists and other information.
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Can the deposit be refunded if the car loan has not come down?
Whether the car loan can be refunded depends on the specific situation.
The problem that the general car loan can't be done is not in the body, but in the case that the handling bank (auto consumption finance company) has insufficient loan funds and busy business. Or the car dealer has problems, the deposit can be refunded.
However, if the car loan is refused because of insufficient credit, the deposit may not be easily refunded, and some may be fully refunded after applying for termination of the contract.
Others may ask for a certain fine, and will not refund all the deposit, but will deduct some.
Others will directly refuse to return the contract in the name of "down payment" instead of "down payment".
Regarding the refund of the deposit, you can negotiate with the 4S shop in detail. Remember to specify the relevant regulations for refunding the deposit after the car loan is rejected when signing the car purchase contract. You can ask the 4S store to clearly mark a clause stating that the car loan failed and the seller will refund the full deposit to the buyer.
If the two parties fail to negotiate and want to get the money back, they can also try to contact the court for arbitration.
Sanjiang university's enrollment charter for 2022 has been published, which mainly includes information such as enrollment plan, admission rules an