Yes, you need to provide the following conditions and procedures for buying a car by loan: 1, proof of salary income in the last three months; 2. Find a friend with real estate to guarantee for you (no need to mortgage anything); Open a residence certificate in your place, choose the car you want to buy, and then go to the dealer for a loan.
There are generally two ways for dealer loans: bank loans and finance company loans.
The interest rate of bank loans is low, but the approval is troublesome and difficult to pass; Finance companies have high loan interest rates, but the approval process is simple and the loan conditions are loose.
Then provide the lender's ID card, household registration book, salary certificate, bank card starting with 6222, guarantor's ID card, real estate license and income certificate.
The dealer is responsible for applying for your loan, and the lender will review your conditions.
Then, the dealer will be informed of your approval result.
After the dealer informs you to sign the loan contract, you can pick up the car bill.
Additional: 39 1 yuan, purchase tax (65438+100000 vehicles) 6450 yuan, travel tax 420 yuan (12- the current month), and the total insurance is about 5000 yuan. After the vehicle is completed, the dealer will handle the mortgage formalities for your car with the grade certificate (Great Green Paper).
At this point, the vehicle loan procedures have been completed.
After the bank/finance company notifies the lender, you can repay the loan monthly.
Attach your loan conditions: down payment >; =30%; The longest loan period is 36 months.
As for the financial service fee, it depends on the local or dealer policies.
(This information was also consulted by a friend of my online loan company, Yin Ji Online. It seems to be working with the bank. Everything is synchronized with the bank, regardless of interest, repayment method and term. It is also an online financial platform recognized by the China Banking Regulatory Commission. There are many loan products and the service industry is good. At the same time, as long as your information meets the requirements of the bank, they can put in the style within 7 working days.
They will not charge any extra fees in any name before the bank formally lends money to users (this is the biggest difference from ordinary private lending institutions).
Personally, I feel good. At the same time, their business faces the whole country, which is quite formal. I suggest you try something that may have the loan information you want, hoping it will help you.
Second, I have borrowed money from the bank. Can I still get a mortgage when I buy a car?
I have already taken out a loan from the bank, and I can still mortgage my car. A customer can borrow multiple loans, but the guarantee conditions cannot be weaker than the last loan. That is, when the first loan is credit, the second loan must be guaranteed at least before it can be applied.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
3. Can the bank borrow money to buy a car?
Yes Users can apply for car loans as long as they meet the conditions of mortgage to buy a car, regardless of whether there is any outstanding bank loan at present. Of course, if there is a loan at present, the user's repayment ability must be enough to cover the previous loan and successful car loan application, otherwise the bank will think that the user's repayment ability is insufficient, thus rejecting the user's car loan application. Users have sufficient repayment ability and good personal credit information, and banks will definitely be willing to lend to such users, because car loan users are high-quality customers of loan business. Is it better to buy a car by mortgage or by bank loan? First of all, mortgage is actually a kind of loan, and the next content is actually a comparison between car purchase by installment and bank mortgage loan. 1. In terms of complexity, it is difficult to get a loan. Loans are divided into credit loans and mortgage loans. Generally, banks rarely give personal credit loans, unless you have a good work unit, high income and close relationship with the bank, or you have a place to find a relationship and get it from the bank. Mortgage loan is simpler, usually real estate mortgage, which means that if you want to take the house and building to the bank for mortgage, you must first evaluate the value of the house. Mortgage is simple. When buying a car, the 4S shop can help you, so in terms of formalities, the loan procedure is more troublesome than the mortgage. 2. From the interest point of view, the two interest rates are actually similar, because you can't enjoy the downward interest, and generally calculate the interest according to the bank's benchmark interest rate. Therefore, in the case of equal repayment, the interest is basically the same; However, the loan can be repaid in a decreasing way. In this case, the principal is decreasing month by month, so the total interest expenditure will be less, but the monthly repayment amount of this loan method is relatively high in the first few months or even a year. 3. From the perspective of capital flow, the mortgage needs to pay 20%-50% of the car price first, and then repay it monthly. If you have a mortgage, you can lend the car money in full, and the repayment period is longer, so if the funds are tight, from the perspective of cash flow, the loan is better than the mortgage. 4. Monthly payment: according to the car price of 654.38+ 10,000 yuan, the mortgage payment is 30%, and the monthly payment is 30,000 yuan when buying a car. The normal mortgage time is 3 years, and the monthly repayment is almost 2700 yuan. However, some banks can now handle some credit card purchases, and the designated models can be purchased in installments without interest, but the installment period is relatively short, generally 654.38+0-2 years. If it is a five-year loan with equal repayment of 6,543,800 yuan, the monthly repayment amount is about 654.38+ 0.950-2,000 yuan. Having said that, in fact, installment and loan have their own advantages. How to suit yourself depends on your actual situation.
I have borrowed money from the bank. Can I still get a mortgage when I buy a car?
As long as you provide proof of income, and after deducting your basic living expenses, you can pay the principal and interest of your bank loan and automobile mortgage on time, you can handle this business.