The requirements for applying for a car loan from a bank are as follows:

1. The borrower is between the age of 18 and the age of 60, and is a natural person with full civil capacity;

2. The borrower has a fixed income and can repay the loan principal and interest on time;

3. The borrower's personal credit record is good;

4. The borrower agrees to mortgage the purchased vehicle to the bank as repayment guarantee;

5. The borrower signs a car purchase contract or relevant agreement with the dealer;

6. The borrower has certain self-owned funds and can pay the car down payment;

7. Other conditions required by the lending bank.

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Generally speaking, buying a car with a loan has two advantages. First, the money saved can be used in other places, such as investment, and the money invested may be more than the loan interest; Second, you can accumulate credit and borrow money to buy a car. As long as you pay back on time, you can accumulate good personal credit, which will help you apply for loans and credit cards in the future.

The process of handling car loan in the bank is:

1. Prepare materials. The borrower needs to prepare ID card, work certificate, income certificate, residence certificate, loan use certificate and other materials;

2. apply. Bring materials to the bank to fill in the loan application form and submit materials;

3. Bank approval. The bank will investigate and approve the materials;

4. handle the guarantee. The borrower needs to go through mortgage guarantee and other procedures;

5. Sign a loan contract. If the borrower is approved, he can sign a contract with the bank;

6. borrow money. After signing the contract, the bank is ready to lend money.

7. Pay attention to buying a car bank loan.

After the loan is completed, the bank will transfer the loan amount to the personal bank card. At this point, you need to pick up the car at the 4S shop and pay the remaining 30% deposit. At this time, all expenses have been paid, so all kinds of taxes need to be paid (of course, 4S shop will assist individuals to complete all procedures). After all formalities are completed, the vehicle registration certificate must be mortgaged in the bank, and individuals must obtain valid certificates such as tax payment certificate, invoice and vehicle driving license. After the vehicle loan is paid off, the 4S shop or the bank will notify the individual to go to the vehicle management office to go through the formalities of putting the car. At this time, the vehicle registration certificate is obtained and it is considered to be "own" car.

Automobile mortgage, what procedures and conditions do banks need?

The following procedures and conditions are required for automobile mortgage: 1. First, the borrower must apply to the lending institution for a loan, and provide the lending institution with his ID card, driver's license, car purchase contract and other supporting materials; 2. Then the lending institution will review the qualification of the lender, evaluate the value of the vehicle and book the loan amount; 3. If there is no problem, then the lending institution and the borrower sign a loan contract and issue loans, and the borrower goes to the lending institution with a vehicle driver's license, and that's all; 4. Vehicle mortgage loans need to be repaid regularly every month. If it is not repaid for a long time, then the lending institution has reason to dispose of the vehicle by itself.

Conditions for bank auto loan application

(1) Having valid identity documents and full capacity for civil conduct;

(2) Proof of fixed and detailed address can be provided;

(3) Having a stable occupation and the ability to repay the loan principal and interest on schedule;

(4) Personal social credit is good;

(5) Holding a car purchase contract or agreement approved by the lender;

(6) Other conditions stipulated by the Cooperation Organization.

How to borrow automobile mortgage?

I. Conditions for applying for automobile mortgage

1. Applicants are required to be 25-55 years old and currently have a stable income;

2. The vehicle certificate under its name is complete and there is no guarantee at present;

3. For the mortgaged car. The bank requires the car to be less than 5 years old and the journey is less than 80,000 kilometers;

4. The current appraisal value of the mortgaged car is 70,000 yuan, which is good.

These are the conditions for bank car loans. In addition to meeting the basic conditions of bank car loans, borrowers also need to prepare complete loan-related materials. The more complete the better, in order to better handle the car mortgage.

Second, car mortgage needs information.

1. Invoice when buying a car and other certificates when buying a car.

2. Driver's license and automobile property certificate.

3. Copy of the owner's ID card.

4. Master contract and vehicle mortgage contract.

5. Proof of mortgagee and mortgagor.

6. The car is parked at the loan company.

Three. Automobile mortgage process

1. The lending institution receives the information provided by the applicant;

2. Conduct home visits, surveys and vehicle value assessments on the applicants;

3. The loan amount initially reserved by the lending institution;

4. Handling entrustment notarization and loan notarization;

5. The lending institution accepts the relevant documents of the applicant;

6. Go through the mortgage registration formalities.

7. Loans

Four. .

In any of the following circumstances, the registered vehicle shall not be mortgaged.

1. Vehicles sealed up, detained and supervised according to law.

2 vehicles that have reached the standard of automobile scrapping in China.

3, overdue inspection or unauthorized modification of vehicles.

4. The customs supervision period has not expired.

5. The service life of the mortgage expires and reaches the scrapping standard.

6. Vehicles with mortgage registration.

7, the army (armed police) production and operation of vehicles for retaining soil hanging local number plate vehicles.

8. The obligee of mortgaged property is a state organ.

9. Other vehicles that cannot be mortgaged according to law.

The above is the car mortgage process. The bank will evaluate the applicant. Whether you have the ability to repay the loan on time, whether you have good credit in the bank and whether you have a stable job are the basis for the bank to evaluate the applicant. If the car is used as collateral, the bank will also evaluate the car. The purchase time, mileage and purchase price of the vehicle will all affect the loan amount.

Can banks use automobile mortgage?

Banks can be automobile mortgage. Basically, all banks can make car mortgage loans, as long as the following conditions are met: First, there is no other mortgage loan for the car. Two, the property rights of the loan car, the value of the mortgage loan is evaluated by the bank. Three, the lender has a stable job and income to repay the loan principal and interest. 4. The personal credit of the lender is good. 5. The lender has reached the age of 18 and has full capacity for civil conduct.

Meet the above conditions, you can go to the bank to apply for a vehicle mortgage loan.