I don't know which city you are in, so you can use a loan. At Ping An Bank or Minsheng Bank. Provide some personal income certificates and car purchase certificates. According to the bank's evaluation, the loan can reach about 654.38+500,000 yuan.
Can I go to the bank for a loan without a car or a house?
You can go to the bank to apply for a loan without a car or a house. For example, to apply for a credit loan, users can apply as long as they have certain repayment ability and good personal credit information. It is more appropriate to apply for such a loan without a car or a house. Or the user has a credit card (debit card), so he can apply for a loan at the credit card (debit card) issuing bank, so the success rate of the application is also relatively high.
In addition, it is also a good way to apply for a secured loan, as long as you find a suitable guarantor.
22-year-old, no car, no house, can I borrow 60 thousand?
Of course.
People who have a house and a car are naturally high-quality customers of bank personal consumption loans. It is very convenient to get loans by mortgaging houses and cars, but banks have specially opened up credit loans for young people who don't have RVs. In fact, banks also have personal credit loan business, which can be applied directly with the borrower's credit without providing collateral. Therefore, people who have no house or car can choose to apply for personal credit loans, but the amount of credit loans is generally lower than that of mortgage loans.
You can go to the bank to apply for a loan without a car or a house. For example, to apply for a credit loan, users can apply as long as they have certain repayment ability and good personal credit information. It is more appropriate to apply for such a loan without a car or a house. If you don't have a house or a car and want to apply for a loan, you should deposit at least 2000 yuan in the bank card every month, and the total deposit is greater than the expenditure. This will last for more than three months, preferably six months. When you apply for a loan, you can print it out as proof of income, which can guarantee a fixed income every month. For some banks with low application threshold, it is also recognized. After all, not all loans require the borrower to have a stable job.
I want to borrow 200 thousand. How can I get a loan without a car or a house?
You can still get a loan if you have a mortgage, because the house can be mortgaged twice. The second mortgage is more convenient than the first mortgage, and the loan speed is faster, but the interest rate is higher.
The requirements are as follows:
1. The house used for secondary mortgage must be an existing house; 2. The property has been registered as a mortgage, and the handling bank is from housing mortgages; 3. The real estate license is managed by the customer himself; 4. The balance of the house purchase loan with the secondary mortgage loan of the property is lower than 70% of the current house price; 5. The borrower has full capacity for civil conduct, stable income and good credit; 6. The property should be high-quality housing and commercial housing with great market development potential. Although two mortgage has effectively increased the amount of loans, it should be noted that there should be some loanable space for housing in two mortgage. In other words, if the first loan amount only reaches 30% of the appraised value of the mortgaged house, choosing the second mortgage will undoubtedly greatly increase the loan amount.
Generally speaking, bank loans are not so easy to apply for, and unsuccessful applications will also affect credit records. In order to get lower financing cost and handle large-scale bank loans conveniently and quickly, we usually go to professional institutions, such as Su Fang. They rely on professional industry knowledge to help customers solve intractable diseases in the financing process and choose the most suitable financing scheme from thousands of banks. Housing loan financing consultation hotline: 0769-33888836
What is the most suitable loan for a 200,000 car?
1. Apply for mortgage loan: Take the car in your own name as the mortgage, and the loan amount is generally 70%-80% of the car's own valuation, and the professional mortgage car loan company can get 90% at most. I want to borrow 200 thousand, and the car is estimated to be around 300 thousand. The higher the price, the better. When applying for a loan, you need to prove that you own the property right of the car, and you need to provide information such as driving license, travel tax and insurance policy.
2. Apply for a credit loan: To apply for a credit loan, you can choose to go to the bank, but the requirements of the bank will be higher. Generally, you are required to have a stable job, a stable income, a good work unit and good credit. For civil servants or applicants working in institutions, going to the bank is a good choice.
Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.
The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
Automobile loan channel
1. auto financing company: the biggest advantage lies in convenience and low threshold. Companies are generally founded by car companies. Its "convenience" is not only reflected in the direct application through 4S stores, but also in the fact that there are no requirements for hard conditions such as hukou and real estate.
2. Buying a car with a credit card: The most obvious advantage lies in the loan interest rate, which is half lower than the traditional bank car loan interest rate. Ordinary credit cards can be applied, and the models are also cross-brand, with a wide range of choices. The premise is that you need a higher credit line to enjoy it.
3. Bank car loans, banks are facing the pressure of tightening credit scale, consumer loans such as car loans have shrunk sharply, and the loan doors of some middle and low-end cars have been temporarily closed. The biggest advantage is a wide range of choices. Car buyers can go directly to the bank to apply for personal car consumption loans after they take a fancy to the models.
However, the procedure of lender qualification examination is very complicated. It is generally necessary to provide real estate (such as real estate) as collateral. Some banks are open to high-end customers or high-end models, and the car itself can be used as a mortgage. However, compared with other car loan methods, the time period for approval is very long.
In terms of loan interest rate, the auto mortgage interest rate generally rises by about 10% on the basis of the benchmark bank loan interest rate in the same period. Most car loan businesses need guarantee companies to guarantee or buy car guarantee insurance, and car buyers also need to bear 2.5% to 3% guarantee fees. When all procedures are added up, the comprehensive cost of bank car loan is the highest among the three ways.
How can I get a loan without a car, a house and a bank deposit?
First, you can apply for a credit loan without a house or a car. At present, the competition among loan companies is fierce, and many loan companies have lowered their loan conditions. If you don't have a house, a car or a job, but you have a good credit record and a stable bank card in the past six months, you can apply for a loan from a local loan company. Second, if you don't have a house, a car or a job, you can also withdraw cash by credit card. Most credit cards can withdraw 2000 yuan a day, and the total withdrawal amount is 50% of the monthly quota. Third, for the "three noes" who just graduated from college, they can choose to apply for college students' entrepreneurial loans. Of course, to apply for college students' entrepreneurial loans, applicants need to meet the conditions of local college students' entrepreneurial loans. However, generally speaking, although people who have no car, house or job can apply for loans, the application amount is relatively low, and it is not so easy to apply successfully. Therefore, if you want to apply for a loan successfully, you must have at least a stable job or a real estate or car under your name.