The person who borrows money to buy a car must be a natural person with full capacity for civil conduct, and also need to have a local permanent residence and valid residence status and a fixed residence address. At the same time, they must have a stable occupation and the ability to repay the principal and interest of the loan on time, and have a good personal social reputation, and can provide collateral recognized by the lender, or an individual or unit with sufficient compensation ability can provide an irrevocable third-party joint liability guarantee. In addition, they must be able to pay the bank's down payment for car purchase and meet other conditions stipulated by the lender.
2. What are the conditions for banks to apply for loans to buy cars?
The person who borrows money to buy a car must be a full citizen, need to have a local permanent residence and valid residence status, and have a fixed residence address. At the same time, it must have a stable job and a good reputation of timely repayment, and can provide collateral recognized by the lender, or it can have an irrevocable joint liability guarantee sufficient to compensate the third party. In addition, you must be able to pay the car down payment and other conditions within the limit set by the bank.
3. What do you need for a bank loan to buy a car?
To apply for a car loan from a bank, you need to meet the following conditions:
1. The borrower is a natural person aged over 18 to 60 with full civil capacity;
2. The borrower has a stable job and income, and has the ability to repay the loan principal and interest on time;
3. The personal credit of the borrower 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 can pay the car down payment according to the proportion required by the bank;
7. Other conditions that meet the requirements of the lending bank.
The borrower shall provide the bank with the original and photocopy of the ID card, residence booklet or other valid residence certificate; Occupation and income in the last 6 months, as well as bank running water certificate; Other documents required by the cooperation organization and the application form for automobile loan.
I am 22 years old and want to get a loan to buy a car. What are the requirements?
First of all, if you have savings to buy a car at the age of 22, whether it is a high-end car or a low-end car, it means that you have a good life. If you have a fancy car, forget it. Buy it. Anyway, if you can afford a luxury car at the age of 22, your ability is top-notch. If there is no accident, you can buy a house in a few years, or if there is a mine at home. If it's a low-end car—
1, but no matter what I buy, I still feel that I can't spend all my savings. After all, it's always good to leave a back road for yourself, and the car is always just a means of transportation. Because the economic conditions are not very comfortable, other ways of spending less in the short term can also replace buying a car, such as Didi.
2. One of my classmates got a college loan to buy a car, and paying back the car loan made him ... feel that life is not so rich?
3. If you buy a car, you can use it almost every day. The fuel cost is still relatively high, and it is inconvenient to consider parking in traffic jams, but no matter what the purpose of this car is, it must be viewed according to its own situation. Anyway, if I wasn't particularly rich, I wouldn't consider buying a car because I don't like riding electric cars. ...