Car loan is car loan, and mortgage is mortgage. The two do not affect each other. Under normal circumstances, car loans can be used for loans, indicating that your credit information is better, your income is ok, and mortgages can be used for loans.

Consumer loans, also known as consumer loans, are loans issued by commercial banks and financial institutions to consumers on the basis of consumer credit for purchasing durable consumer goods or paying other expenses.

trait

It has the characteristics of wide consumption purposes, high loan amount and long loan period.

High risk, high return, periodicity (long-term) and interest rate insensitivity.

kind

Residential mortgage loan

Non-residential loan

It mainly includes automobile loans, durable consumer goods loans, education loans and tourism loans.

Credit card loan

Prepare loan information

1) Original and photocopy of the ID card, household registration book and marriage certificate of the borrower's husband and wife and the property owner (* * * owner) (divorce certificate and divorce agreement are required for the borrower to divorce; Widowed to provide proof of widowhood and inheritance notarial certificate)

2) Copy of the company's income certificate, payroll for the last 3 months and business license shall be stamped with the official seal and passed the annual inspection;

3) The original title certificate of the mortgaged house and the purchase contract (original purchase invoice) and a copy thereof, and the center shall provide the house listing certificate when handing over the house;

4) Consumption purpose of the loan;

5) Residents of other provinces and cities need to provide temporary residence permits and long-term residence certificates;

7) If the borrower has a college degree or above, provide proof of education;

Note: In order to improve the success rate of borrower's approval, customers can provide additional proof of income, such as deposit certificate, annual salary certificate, year-end bonus, payroll, payroll card statement, time deposit certificate, tax payment certificate, etc. For example, if the borrower is an enterprise legal person, in addition to the above information, it can also provide financial statements, articles of association, business license of the unit, annual profit dividends, etc.

Key tips

1) loan term: 1 ~ 10 year.

2) Loan amount: minimum 50,000 yuan.

3) Mortgage rate: the maximum loan amount of mortgaged real estate shall not exceed 65% of the assessed value of collateral; Office buildings, commercial buildings and villas facing the street shall not exceed 50% of the assessed value of collateral.

4) Repayment method: equal principal and interest.

5) Borrower's age: the sum of the borrower's age and the loan period shall not exceed 60 years old. The target of personal consumption loans is/kloc-China citizens who are over 0/8 years old, have no bad credit record in the banking system, have full capacity for civil conduct, and do not accept the property owned by minors as collateral.

6) Collateral: commercial houses, houses, villas, shops and office buildings. (The minimum construction area of the mortgaged property is not less than 30 square meters) It has full property rights in the name of individuals in the urban area and outer suburbs of Beijing.

7) Housing age: The sum of the housing age of the mortgaged property and the housing age of the loan shall not exceed 30 years in principle.

8) The loan interest rate shall be based on the benchmark interest rate, which shall rise by a certain percentage according to the nature of the house and the mortgage interest rate; For Shenfa VIP customers or other key customers of CCB, floating interest rates can be implemented.

9) When signing the loan contract and going through the mortgage registration formalities at the Housing Authority, the borrower and the property owner must be present.

10) When withdrawing money, the borrower can bring his/her ID card to the bank to withdraw money or go through the card withdrawal formalities in our company.

1 1) The borrower must be the owner of the property.

Is there a car loan under the name of buying a house in Nanjing that affects buying a house loan?

Car loan is a consumer loan, which will not affect the first and second sets of house loans.

However, car loans are liabilities, which may affect the proportion of housing loans. When reviewing housing loans, banks will consider whether they can cover both car loans and monthly loans; If the income is not enough to pay, the amount of housing loans may be reduced.

If the car loan is not much, it will not affect the down payment of the house purchase after the car loan is repaid, but it may affect the loan amount. It is recommended to pay off the car loan first.

It is the borrower's repayment rate that will affect the car loan or mortgage.

Mortgage mainly depends on your husband and wife's credit history, income certificate and asset certificate. For example, income flow, tax records, social security, provident fund and other asset certificates (housing, wealth management income, dividends, etc.). ). But without income, it is difficult.

Does buying a car loan affect buying a house? What are the factors that affect mortgage?

Now it is very common to buy things with loans, and buying a house with loans has become the choice of most property buyers. Whether the loan can be approved smoothly has a lot to do with whether we can buy the house we like. If we are not careful, we may lose the opportunity to own a good house. So, will buying a car loan affect buying a house? What are the factors that affect mortgage approval?

Now it is very common to buy things with loans, and buying a house with loans has become the choice of most property buyers. Whether the loan can be approved smoothly has a lot to do with whether we can buy the house we like. If we are not careful, we may lose the opportunity to own a good house. So, will buying a car loan affect buying a house? What are the factors that affect mortgage approval?

Does buying a car loan affect buying a house?

In principle, no matter what kind of loan application, as long as it meets the requirements of the loan and is prepared with complete information, it can be applied, and there will be no influence between loan products.

It is the borrower's repayment rate that will affect the car loan or mortgage. Debt service ratio refers to the ratio of monthly expenditure to monthly income of personal debt. Banks will measure the borrower's repayment ability according to the debt repayment rate, and then decide how much to lend and whether to provide loans. Generally speaking, when the debt service ratio exceeds 50%, banks will not issue loans again.

Therefore, if the borrower has not paid off the car loan, affected by the debt repayment rate, the amount of mortgage that the borrower can borrow will be reduced accordingly, resulting in a corresponding increase in the down payment to be paid in the early stage.

As long as the buyers have no bad record in the process of mortgage car loan and the debt service ratio reaches the standard, then the problem of buying a house by loan is not big. However, if the income of buyers is not very high, the chances of obtaining car loans are relatively small under the existing mortgage, and the amount of car loans that can be applied for is correspondingly small.

What are the factors that affect mortgage approval?

1, personal credit record

When a homebuyer applies for a mortgage loan, the bank will first check the borrower's personal credit report. If the report shows that he has repaid three times in a row or six times in the past two years, most of the borrower's applications for housing loans will be rejected. Therefore, everyone must safeguard their personal credit in daily life and pay off credit card loans in time.

2. Solvency

When it comes to the repayment ability of buyers, in addition to personal credit records, banks will also focus on reviewing the repayment ability of borrowers. If the debt is too large, or the income and work are unstable, it will affect the approval of mortgage loans. In mortgage approval, the occupations with high scores include civil servants, teachers, doctors, lawyers and certified public accountants, and industries with strong competitive advantages are also very popular, such as financial power supply industry. At the same time, the higher the education, the easier it is for people to apply for bank loans.

3. Advance payment

According to the requirements of the bank, customers who apply for mortgage loans need to have a certain down payment. Generally, the down payment ratio of the first home loan is not less than 30%, and the down payment ratio of the second home loan is not less than 60% (some cities require not less than 70%). Therefore, customers who apply for a mortgage must be prepared with enough down payment. Generally speaking, the more down payment a borrower makes, the easier it is to get a loan.

4, debt is too high

In addition to the personal credit of the buyers, the borrower's debt will also affect the approval of the mortgage loan. For example, the monthly credit card payment exceeds 50% of the monthly income, or the existing car loan and mortgage repayment exceeds 50% of the monthly income. Therefore, before applying for a housing loan, the borrower must first confirm the factors that affect the approval of the housing loan, and try to avoid problems that affect the loan application.

There are many things that buyers need to pay attention to when buying a house, especially when buying a house by loan, such as what materials need to be prepared before the loan (personal credit report), income proof and running water, the same payer, the ownership of the property after divorce, and whether a cheap judicial auction house can be bought.

Can I get a loan to buy a car or a house?

Legal analysis: you can buy a house with a car loan. Car loan and mortgage are two different loan products. You can apply for a mortgage as long as you meet the conditions for applying for a mortgage. What may affect the mortgage is the repayment ability after the car loan. After the borrower applies for a car loan, his debt may be higher, which will affect the bank's evaluation of the borrower's repayment ability, but this will only affect the loan amount of the mortgage and will not hinder the application for the mortgage.

Legal basis: Article 672 of the Civil Code of People's Republic of China (PRC), the lender can inspect and supervise the use of the loan as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed. Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan. Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Does the car loan affect the loan to buy a house

It does not affect the loan to buy a house, but it affects the handling of loans. If you have a car loan, you need to have a certain repayment ability and repay two loans at the same time. When considering the income of the lender, the bank will deduct the monthly payment of the car loan, which may lead to the failure of the mortgage. If you have a car loan to buy a house, it is a better choice to add * * * with the repayment person.

Type of automobile loan

Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.

1, direct bank car loan, the fees charged include deposit, principal and interest, 3% guarantee fee, etc. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.

2. In addition to the above expenses, the car loan of an individual auto financing company also needs to bear the supervision fee, fleet management fee and warranty renewal deposit.

3. Credit card car loan. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.

Automobile loan conditions

1, with 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.

Automobile loan application materials

1, the original ID card, residence booklet or other valid proof of residence, and provide its copy;

2, occupation and economic income certificate, personal account for nearly 6 months running list;

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

4. Other documents required by the Cooperation Organization.

Does car loan affect mortgage?

Car loans affect housing loans, mainly in the following aspects:

1. Unpaid car loan: At present, banks will inquire about personal liabilities when applying for a mortgage. When the car loan and mortgage loan exceed half or more of the monthly income of the loan applicant, the loan application will be rejected because of insufficient repayment ability.

2. The car loan is overdue: when the car loan has a record of overdue repayment, the bank will reject the mortgage application because the applicant has been in loans overdue.

3. Car loan has been settled: the car loan has been settled, which does not affect the mortgage. If you repay the loan on time every time during the repayment period, it will also help to improve your personal credit score and increase the success rate of mortgage application ~