Can I get a loan to buy a car when I first go to work?
There is no specific requirement for working years when buying a car with a loan. As long as you have a stable job and income, good credit and the ability to repay loans, you can apply, that is to say, you can borrow money to buy a car just after you go to work, but it depends on whether the running water can pass the test.
After all, the loan to buy a car is to provide running water. It will take at least 6 months to provide running water for wages. If you don't have running water in your salary, you can save your own running water. If you just go to work and your salary can't last that long, you need to save for six months before applying for a car loan.
How can I make a successful payment?
1, strong repayment ability: although some people have just started to work, their wages are not low, especially those with high academic qualifications, with a minimum of more than 5,000 yuan. This level of car loan is still enough, but it depends on the car price. If the income is twice or more than the monthly payment, the problem is not big.
2. Good credit information: When buying a car with a 4S shop loan, many people will ask for credit information first. If the credit is not good, such as three times and six times overdue, it is still overdue. Don't waste time and energy. If the credit is good, you can try it.
3. Choose the right channel: Common car loan channels include banks and auto financing companies. Bank interest rates are low but the threshold is high, while auto financing companies are the opposite. You need to choose the right channel according to your own qualifications.
4. Supplement * * * Same borrower: In fact, there are multiple repayment guarantors, and the property right of the car is yours. The loan can be repaid by two people, because the income of two people is guaranteed, and it is easier to be recognized by the lending institution, and the subsequent repayment rate will be higher.