Hello, you can usually buy a car by stages without real estate. The success of the loan depends on personal qualifications. The down payment for a loan to buy a car must reach at least 30% of the car price. At the same time, because of the handling fee for buying a car in the previous loan, it is recommended to prepare a down payment of more than 40%. At the same time, the loan period for buying a car is generally three years, and it cannot exceed five years at most.

The loan interest rate for buying a car is generally above 7.4%. If you are a local, or have a local property, you can apply for a loan directly from the bank. If you don't have a real estate in the local area, I suggest you apply for a car loan at the car 4s shop'; & gt； The car loan procedure is:

(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 materials required by banks or lending institutions.

Second, can you buy a car by mortgage?

You can borrow money to buy a car with a real estate license. Real estate mortgage loan process: the borrower opens a current deposit account in the bank; Information required for preparing loans; Face to face bank; The bank will report the examination and approval results to the borrower and register with the borrower; Construction Committee issued his right certificate; Handle insurance and notarization as appropriate. And directly transfer to the account agreed in the contract; The borrower shall repay the loan principal and interest according to the provisions of the loan contract.

3. What are the conditions for real estate license loan to buy a car?

Having a real estate license will be of great help to the car loan. Car loans generally need to meet the following conditions: 1, with full capacity for civil conduct. 2. Have 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 loan credit record, and the social credit is good. 5. The age of the vehicle mortgage lender is 22-55 years old, and the female is no more than 50 years old. Unmarried people need to provide an irrevocable joint guarantee from a third party (the requirements of the third party guarantor are the same as those of the lender). The down payment must be above 20%, which may be increased according to the requirements of the unit you apply for a loan, generally 30%. If your credit and financial strength can't meet the company's standards, you may be asked to raise the down payment again. Article 11 of the Interim Measures for Personal Loans The application for personal loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.