To apply for a personal car loan in Shenzhen, the borrower must meet one of the following conditions:

1. Shenhu may have a deep house (including the name of the spouse), or add a guarantor for Shenhu or Shenhu. Real estate can include commercial housing, military housing, welfare housing, fund-raising housing or self-built housing with legal procedures. )

2. Install GPS equipment recognized by BOC, and the borrower has social security for more than half a year or commercial insurance for more than one year;

3. The insurance company agrees to undertake 65,438+000% of the performance responsibility to the Bank of China. The borrower has social security for more than half a year or commercial insurance for more than one year, or a guarantor with social security for more than half a year or commercial insurance for more than one year is added. For details, please contact China Bank 95566 for manual or online customer service.

The above contents are for your reference. Please refer to the actual business regulations.

What are the procedures for buying a car with a loan in Shenzhen?

In our life, many people will borrow money to buy a car. What are the procedures for applying for a loan to buy a car? What materials do you need to buy a car with a loan? Below, in order to help you better understand the relevant legal knowledge, I have compiled the following contents, hoping to help you.

1. What are the procedures for getting a car loan in Shenzhen?

To successfully apply for a loan, you need to meet the standards set by the bank. The following is the information that must be provided to buy a car by mortgage.

1. Original ID card, household registration book or other valid proof of residence, and provide its copy;

2. Proof of occupation and economic income;

3 car purchase agreement, contract or letter of intent signed with the dealer;

4. Other documents required by the cooperation agency.

After providing these procedures for buying a car by mortgage, you need to meet some other conditions before you can apply for buying a car:

1. Have valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

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

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

After meeting the above conditions for buying a car by mortgage, you can go through the formalities smoothly. Just go to the loan bank and apply for a personal automobile mortgage. In addition, after providing these materials, the bank needs to review and confirm before it can be approved.

Second, the application conditions

1. Have valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

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

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

The above contents are related answers. Usually, if we want to borrow money, we need to have enough repayment ability at this time. Therefore, when we buy a car with a loan, we need to review the repayment ability of the loan buyer. If you can provide proof of deposit with real estate license, you can generally borrow money. If you have other legal questions, you can consult the relevant lawyers.

What should I pay attention to when I borrow money to buy a car in Shenzhen?

Although buying a car in Shenzhen is not a luxury, it is not so easy for a hard-working family. At the very least, you can't pay the full amount in one lump sum. You need to apply for a car loan to complete your car purchase idea. Do you know what to pay attention to when borrowing a car in Shenzhen?

Implicit clauses in automobile loans

(1) The down payment required is generally 30%-40% of the car price.

(2) The longer the period of applying for an auto loan, the higher the handling fee. The expected annualized interest rate of general loans is determined according to the borrower's loan period and whether to apply for auto loans from banks or auto financing companies.

(4) Merchants who buy cars with zero yuan need to pay a higher handling fee.

Applying for a car loan will bind insurance.

(1) loan binding insurance is one of the loan conditions. Of course, to a certain extent, there is no room for bargaining for the auto insurance required.

(2) If the borrower applies for a loan to buy a car, he needs to buy auto insurance and accident insurance as early as possible.

I want to remind you of the importance of timely repayment. Pay attention to the repayment time every month. If financial institutions do not deduct money, they will remind them, which inadvertently increases the borrower's loan cost. Furthermore, it will affect the borrower's credit history.

This is the end of the introduction of Shenzhen car loan and Shenzhen car loan handling fee. I wonder if you have found the information you need?