Dalian automobile loan business
1) used car mortgage loan
No car, no transfer, no GPS. The amount is 500,000-500,000. The vehicle evaluation value is 50-70%. No.2 loan.
The interest rate is 10.08, and the monthly interest rate is 0.884%, that is, 8%. 4. The annual interest rate of the loan is 10000.
Duration 1-3 years
It is required to drive within 5 years and within 80,000 kilometers.
2) Car loans for new and used cars.
No hukou, no real estate.
The loan amount is 70%
The loan amount is 500,000-500,000, and luxury cars can also borrow, with a minimum annual interest rate of 8%.
The loan term 1-5 years, 1 10,000 yuan, and the minimum monthly payment can reach 2,200 yuan.
American cars can also be loaned, the loan amount is 70% of the market price, and the invoice value of vehicles can be low.
4S shops buy new car loans with high speed and low cost.
Second, what are the conditions for buying a car mortgage loan?
1. What are the conditions for buying a car mortgage loan? 1. The requirements for buying a car mortgage loan are: (1) having 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. 2. Legal basis: Article 11 of the Interim Measures for the Administration of 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. Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions. Second, what is the loan process? The loan process is as follows: 1. Loan application. Borrowers apply for loans from local banks; 2. Credit rating evaluation. The bank evaluates the borrower's credit rating; 3. Loan survey. Banks investigate the legitimacy, safety and profitability of borrowers; 4. Loan approval. Banks examine and approve loans in accordance with the loan management system of separation of examination and loan and grading examination and approval; 5. sign a contract. The bank signs a loan contract with the borrower; 6. Loan issuance. Banks issue loans on schedule according to the loan contract; 7. Post-loan inspection. The bank conducts follow-up investigation and inspection on the borrower's performance of the loan contract and operation; 8. Loan repayment. When the loan expires, the borrower shall repay the loan principal and interest in full and on time. If extension is needed, an application for extension should be submitted to the bank before the loan expires, and the bank will decide whether to extend it.
3. What are the conditions for buying a car mortgage loan?
Conditions for purchasing automobile mortgage:
1. First of all, you are a person, and you are a normal China person. You must be 18 years old.
2. Have an ID card, and
3. Work is normal, how to repay the loan and how to repay the interest.
Generally, your monthly income can't be lower than that provided for half a year.
5. With a job, of course, it depends on your social security payment record.
6. You must also have a local residence permit (some 4S stores don't need it).
7. Your good character shows that you have good credit.
8. Other loan conditions stipulated by the lending bank.
Buying a car by mortgage can relieve your pressure, but not everyone is qualified to buy a car by mortgage. The bank will judge whether the applicant is eligible for a loan according to whether the applicant has a good reputation. Only when you meet all the conditions will the bank approve your loan.
Precautions for buying a car mortgage:
1. Now many dealers will provide interest-free car loans in order to buy their own cars, but this is not the case, because although they give you interest-free on the surface, in fact they will charge a handling fee, and the cost of this handling fee is actually similar to interest, not as casual as interest.
2. Be sure to ensure the authenticity of personal data.
When filling in the loan information, you must be true and don't exaggerate your economic income. If there is a breach of contract in the future, it may affect your integrity.
When applying for a loan, you should make an objective and correct evaluation of your goals, otherwise it will affect your future living standard.
Written at the end: In order to make their living standards better and better, more and more consumers choose to borrow money to buy a car. Although this method is good, consumers should choose the proportion according to their actual situation, and secondly, they should be alert to the consumption trap.
4. What documents do I need for a loan to buy a car? Can a bachelor get a loan to buy a car?
Singles who can borrow money to buy a car can apply for a car loan with valid information to relevant departments. Requirements for applying for a loan to buy a car:
1./kloc-citizens aged 0/8 and under 65 with full capacity for civil conduct;
2. Have legal identity documents, local permanent residence or valid residence certificates.
3. The loan individual should have stable professional and economic income or assets that are easy to realize, enough to repay the loan principal and interest on schedule;
4. The lender's own funds are sufficient to pay the down payment for car purchase stipulated by the bank;
5. The lender must provide a guarantee recognized by the bank;
6. The lender is willing to accept other conditions deemed necessary by the bank. Materials to be submitted for car loan: 1. I and my spouse's ID card; 2. Personal and spouse's household registration book; 3. Marriage certificate; 4. proof of income of myself and my spouse; 5. Real estate license; 6. driver's license;
7. Details of the bank statement under the name of the individual; Note: Unmarried people do not need to provide spouse materials and marriage certificates, while divorced people need to provide divorce certificates or divorce agreements. Steps for applying for a car loan: 1. The borrower submits the loan application materials to the bank; 2. The bank conducts a preliminary examination of the application materials submitted by the borrower; 3. The bank conducts credit investigation and customer evaluation on the borrower; 3. The bank examines and approves the loan application that meets the loan conditions through preliminary examination and credit investigation; 4. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower; 5. After the loan contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.