1. Can I buy a car with a loan? 1. You can borrow money to buy a car in your name. The conditions for buying a car by loan are: (1) having full capacity for civil conduct; (2) Having permanent residence and valid residence status in the region; (3) The vehicle mortgage lender must have a fixed unit occupation and long-term stable income; (4) The vehicle mortgage lender has no bad criminal record and bad loan credit record, and its social credit is good; (5) The age of the vehicle mortgage lender is between 22 and 55 years old, and the female is no more than 50 years old. 2. Legal basis: Article 669 of the Civil Code of People's Republic of China (PRC) concludes a loan contract, and the borrower shall provide true information about the business activities and financial status related to the loan according to the requirements of the lender. Second, what will happen if money is not loaned? 1. If the lender or bank fails to perform the judgment within the performance period after winning the case, it will apply for enforcement. 2. When compulsory execution is accepted, the lender's property, vehicles, securities and deposits will be inquired according to law. 3. If the lender has no property to enforce, refuses to perform the effective judgment, overdue repayment and other negative information will be recorded in the personal credit report, and will be restricted from high consumption and entry and exit, and may even be punished by judicial custody. 4. Refusing to execute a judgment or ruling is suspected of refusing to execute a judgment or ruling.
Second, I have already borrowed money to buy a house. Can I still get a loan to buy a car?
Please note that regular car loans need to be mortgaged, but the mortgage is not your house, but your newly bought car.
After the loan, the real estate license of the car will be mortgaged to the bank, and the mortgage will not be released until the loan is paid off, and the car can be bought and sold.
According to your qualifications, it can be approved. The process is as follows:
1, go to the local 4s shop. Larger and smaller ones may not have loan intermediary services.
2. Choose a car according to your different preferences.
Tell the salesperson that you want to buy a car through a loan. They will ask you how much the down payment is and how long the loan will last. (The longer the loan term, the higher the interest rate, generally within 3 years. Minimum down payment 30%)
4. Bring your ID card, household registration book, income certificate of the last 6 months, wage account list and marriage certificate. . . That's all.
5. Sign a loan contract (small print, I guess you won't read it)
6. Pay the money, (1) pay the handling fee. 4s is an agent, but it's actually a loan from the bank. 4s probably earns 1 0,000 yuan, so leave. (2) pay the deposit.
7. Go home and wait for news. 4s will inform you that the bank has approved it, and you can take the down payment to the 4s shop to pick up the car. If I tell you that I was rejected, I will get the deposit back.
Car price 100000, generally at least 30% down payment, =30000 yuan.
Plus: vehicle purchase tax: about 8547 yuan.
Plus: insurance and travel tax, about 4000 yuan.
Plus: loan fee, about 1000 yuan.
Plus: the licensing fee is about 3000-5000 yuan (except Shanghai), which varies from place to place.
Just prepare about 50 thousand.
Typing is not easy. If you are satisfied, please adopt it.
3. Can I buy a car loan under my name?
Legal analysis: Yes.
If a person is in the repayment state, there must be collateral that meets the mortgage conditions (in the case of mortgage).
Legal basis: Interim Measures for the Administration of Personal Loans.
Article 4 Personal loans shall follow the principles of compliance with laws and regulations, prudent operation, equality, voluntariness, fairness and good faith.
Article 7 The use of personal loans shall comply with the provisions of laws, regulations and relevant state policies, and lenders shall not issue personal loans without specific purposes.
Lenders should strengthen the management of loan fund payment and effectively prevent personal loans.
Article 8 The term and interest rate of personal loans shall be implemented in accordance with the relevant provisions of the state.
I have a loan in the rural credit cooperative. Can I get a loan to buy a car?
The loan conditions of credit cooperatives vary from place to place. You'd better consult the local credit union, but generally speaking:
(1) It is based on your existing credit history, repayment ability and asset strength to decide whether you can borrow, how much to borrow and how to borrow. You don't have to guarantee it.
(2) If a guarantor is needed, the guarantor must have the ability to repay debts on his behalf and have no bad credit record. Guarantee is divided into guarantee and mortgage, and credit cooperatives are preferred for those who have formal jobs.
The general steps of buying a car with a loan are as follows:
1. Book the car first;
2. Go through the loan formalities in the 4S shop: including providing information and signing the loan details;
3. Wait for the loan agreement of the bank to give the 4S shop this loan;
4. After obtaining the consent form, the general 4S shop will inform the customer to pay the down payment;
5. The customer picks up the car and puts on the card;
6. After the card is completed, the information is mortgaged to the bank;
7. A few days after the mortgage (generally according to the bank's audit), the money will be paid to the 4S store.