Many consumers will choose to borrow money to buy a car when they buy a car. The mainstream ways of auto loan are bank loan, credit card installment loan and auto financing company loan. However, buying a car by stages has become a question for many people. Under normal circumstances, loans are to provide bank running water.

However, if some banks or lending institutions can ask borrowers to provide other proof of repayment ability, it is possible to apply for loans without running water from banks. Because lending institutions require borrowers to provide bank running water, it is to know whether borrowers have the ability to pay off loans. If the borrower can provide real estate or other fixed assets or other running proof, which shows that he has repayment ability, then he can also apply for installment loan to buy a car.

There is no uniform standard for car loan of 80,000 banks, and the loan policies of different banks or lending institutions are different, so the specific requirements depend on how the lending institutions that borrowers apply for loans require. Under normal circumstances, applying for a car loan of 80,000 yuan requires the borrower to earn more than 3,000 yuan a month.

Running water without balance generally does not affect loans. How to qualify a bank flow mainly includes the following aspects: 1 running time: it takes nearly half a year for a general bank to deposit and withdraw money statements. 2 Running amount: you can't get in and out immediately, and the deposit and withdrawal amount needs to be large or small. If they are all small, they are also unqualified. Of course, it is best to have a fixed income and not to have too much debt. 3. Stamping by running water: bank stamp is required, not a copy.

Second, how can a car loan bank be qualified?

1, when printing running water for car loan, it must be the running water details as of the current month;

2. If the running water is less than 6 months, print at least the last 3 months;

3. If the balance is too small, we suggest that you deposit some funds in the card before printing the bank flow, and the balance in the card should be close to the down payment for car purchase, which will help the loan to be approved smoothly;

4. After the bank journal is printed out, there is the amount of bank interest settlement in March, June, September, 65438+February, 2 1 every year. If it is less than one yuan, you should pay attention to it. The interest settlement is small. That is to say, when your funds flow, they all rush in and out, and the time spent in the account is short, so the interest is small. At this time, it is best to print the running water of other bank cards, or supplement the running water under the spouse's name as a bonus item;

5. Banks have a soft spot for running water wages, which can display the income level very intuitively, and pay wages on a fixed date every month, stably and continuously;

Third, how can a car loan bank be qualified?

1, bank flow must be true and reliable;

2, must provide nearly 3-6 months of bank flow (most lending machines

4. How much does it cost for a novice to ask an old driver for a loan to buy a car?

The bank journal only represents that an account has funds in and out in the past, and it has no property attribute and cannot be used as a guarantee.