Hello, individuals can apply for loans from banks. What are the requirements for bank loans?

(1) Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, and the age of the lender required for bank loans is generally between 18-60;

(2) have a stable legal income and the ability to repay interest;

(3) Other conditions required by the lending bank.

But if you want to apply, I suggest that you can choose a formal credit platform. Qianhua APP is a big brand of Baidu's credit service, which can meet the capital needs of your daily consumption turnover. Pure online application, no mortgage, simple application materials, 30 seconds to approve, the fastest three minutes to lend money, up to 300 thousand.

This answer is provided by Fuguihua, I hope it will help you. As the credit brand of Xiaoman Finance (formerly Baidu Finance), Youyouhua provides users with convenient, fast and safe Internet credit services.

2. Can I go to the bank to apply for a loan after the down payment?

The down payment is 20%-50%, the general bank requires 40%-50%, and some car dealers can find some financing companies to achieve 20% or even lower.

Usually it will be paid off in 2-5 years. Monthly repayment depends on how much you borrow, and you can use real estate as a guarantee.

First of all, it is necessary to know whether the beneficiary of buying a car by installment is a bank or a financial institution, because many banks now have relatively high loan thresholds, and more financial companies, especially those in the same department as automobile manufacturers, have begun to handle convenient loan procedures for customers (for example, the financial company of Shanghai General Motors has gmac loans).

Secondly, the requirements for car buyers: generally, the wage income is normal, preferably provident fund, real estate (with property rights) or married. Of course, if you have other written documents that can prove the strength of your paid loan, that's fine.

3. Can I borrow money to buy a car without all insurance? Can I pay the bill?

Absolute insurance company rebate. All insurances except compulsory insurance in 950 yuan are called commercial insurance, which is voluntary. How can you force to buy all risks? Please answer.