At present, car loans are generally handled directly at car dealers, and the down payment ratio ranges from 20% to 50%. The loan needs a guarantor, but the lender is required to have a fixed residence, a fixed income and a repayment plan. The required procedures are:

1, original lender's ID card); If you are married, you need to provide the original and 5 copies of your lover's ID card.

2. Income certificate issued by the lender's own unit.

3. The original account book of the lender and the original real estate license.

4. After choosing a good model, talk to the dealer about the down payment ratio, loan amount and repayment period.

Step 5 fill in the loan

Then there is what the dealer car loan personnel do.

2. What are the conditions for buying a car with a loan in Shanghai?

As a means of transportation, cars can be seen in streets and alleys, making the distance between cities no longer far away. Many office workers will buy a favorite car for the convenience of travel. Loan has become an important way to buy a car, so what conditions do you need to buy a car with a loan in Shanghai? Conditions for Shanghai loan to buy a car: 1, a natural person with full civil capacity; 2. Have a local permanent residence or valid residence status and a fixed detailed address; 3. Have a legal occupation and a stable and reliable source of income, and have the ability to repay the loan principal and interest on schedule; 4. Holding the agreement or contract signed with the dealer designated by the lender for the purchase of designated brand cars; 5. To provide mortgage, pledge or third-party guarantee with the property recognized by the lender, the guarantor shall be an individual or unit recognized by the lender with compensatory ability and joint liability; 6. If the buyers are husband and wife or family members, they must apply together on site. If one party cannot be present for some reason, it shall fill in the power of attorney and sign and seal it; 7. The down payment shall not be lower than the bank designated by the lender. How to choose a platform? Which discount to choose! Domestic well-known loan platform, certification and lending only take two hours, more choices are waiting for you to choose!

3. Can foreigners buy new energy in Shanghai and get the Shanghai brand?

Foreigners who want to get new energy license plates in Shanghai must comply with Shanghai's green license policy. Only qualified foreigners can apply for new energy license plates.

1. Foreigners holding residence or temporary residence permits in Shanghai have continuously paid social security for 1 year in the last 24 months.

2. Only those who don't have Shanghai brand new energy vehicles under their names, that is, those who buy new energy vehicles for the first time, are eligible to apply for new energy license plates.

3. Active military officers and armed police forces serving in Shanghai may also be eligible to apply for new energy license plates.

4. Have a motor vehicle driver's license, and have no road traffic safety violations within one year before the application.

5. Have a good personal credit record.

6. Having a fixed charging pile is usually where you are.

4. What are the conditions for buying a car with a loan in Shanghai?

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.