With the relaxation of the provident fund loan policy in Dongguan for many times, many mainlanders work in Dongguan, and at this time they will want to borrow money to buy a house and a car in Dongguan. So, how do mainlanders borrow money to buy a car in Dongguan? Introduction is as follows.

In Dongguan, the down payment for a loan to buy a car must reach at least 30% of the car price. At the same time, due to the need for loans to buy a car in the early stage, it is recommended to prepare more than 40% down payment. At the same time, the loan period for buying a car is generally three years, and it cannot exceed five years at most.

If you have real estate in Dongguan, you can apply for a loan directly from the bank. If you don't have real estate in Dongguan, I suggest you apply for an auto 4S shop or an auto financing company. Auto financing companies have no hukou restrictions on auto loans. As long as the borrower has a stable job and income, can repay in full and on time, can provide valid proof of residence, and has a good personal credit record, he can apply for a loan.

The basic conditions for mainlanders to apply for auto loans in Dongguan are:

1. The borrower has valid identification and full capacity for civil conduct;

2. The borrower can provide a fixed and detailed address certificate;

3. The borrower has a stable occupation and the ability to repay the loan principal and interest on schedule;

4. The borrower has a good personal social credit;

5. The borrower holds a car purchase contract or agreement;

6. Other conditions stipulated by the Cooperation Organization. ?