1. Can a person borrow 2 cars? How many cars can a person run by stages
The reason why it is not difficult to buy a car now is because the way of buying a car by loan has been popularized, so some people have raised questions: Can a person borrow 2 cars? On this issue, let's first look at how the bank stipulates it. The loan conditions of personal consumption automobile loan products of China Bank are as follows: 1. Natural person with full capacity for civil conduct; 2. Effective proof of personal identity; 3. It has the legal ability to repay the principal and interest of the loan; 4. Personal credit is good; 5. Holding a car purchase contract, agreement or letter of intent approved by the handling bank; 6. Providing collateral/pledge recognized by the handling bank or individuals or units with sufficient compensation capacity to provide irrevocable joint liability guarantee for third parties; Or provide corresponding materials that meet the customer access conditions of the Interim Measures for the Administration of Personal Credit Revolving Loan Line of Bank of China; 7. Proof of the ability to pay the first installment of the car purchase limit as stipulated in these Measures; 8. Other conditions stipulated by the handling bank. From the above, as long as you have enough repayment ability and mortgage, you can basically borrow money from the bank to buy a car. There is no rule that one person can run several cars by installments.
if you need a loan to buy a car, you should prepare the following materials: (1) a loan application; (two) the original identity card, residence booklet or other valid residence certificate, and provide a copy of it; (3) Proof of professional and economic income, including but not limited to income certificate issued by the unit, bank deposit certificate, credit card statement, tax payment certificate, etc.; (four) the car purchase agreement, contract or letter of intent signed with the dealer; (5) The certificates or documents required for the guarantee, including the list of mortgaged (pledged) goods and the certificate that the person with the right to dispose (including the owner of the property) agrees to mortgage and pledge; Certificate of ownership or use right of collateral issued by the competent department, written appraisal certificate (written appraisal of vehicle invoice price combined with market published price), and documents agreeing to insurance; Pledged goods need to be delivered with pledged goods or rights certification documents; The guarantor agrees to perform the guarantee contract and relevant credit certification materials of joint and several liability guarantee; Or documents certifying that the credit loan conditions are met; (6) Relevant certificates that the down payment for car purchase has been paid; (seven) other documents required by the branch.
Different types of customers in banks have different loan quotas. In principle, the loan quota for general customers of China Bank is not higher than 6% of the car price, and the guarantee provided by high-quality customers is not higher than 7% of the car price. In principle, the loan limit for quality customers is not higher than 7% of the car price. In principle, the term of personal automobile consumption loan for ordinary customers should not exceed 3 years (including 3 years); The term of personal automobile consumption loan for high-quality customers shall not exceed 5 years (including 5 years). Reminder: If you reply to the car loan on WeChat WeChat official account, you can get the car loan processing process, processing conditions, car loan approval failure solution, car loan calculation, etc. Check the process, procedures, conditions, optional cycle, interest standard, etc. of buying a car by installment; Know the process/procedure of mortgage car purchase, interest calculation, down payment ratio, resale method of mortgage car, etc.
second, how much can a person borrow when buying a car in installments?
specifically, your bank flow is your salary. Or how much assets there are. Some people can borrow a few hundred dollars, others can only borrow tens of thousands. It is still necessary to combine their own economic strength. Lending institutions should evaluate your ability to repay the monthly loan, so that they will approve the loan.
if the amount actually approved will be less, the customer will have to find a way to collect the money to pay the down payment. There is not much difference between the general approved amount and the actual amount
3. Which is better, to buy a car, Zhipao or Hacker or IX35? How much is the down payment for a loan? How much should I pay back every month? Can a public fund borrow money to buy a car?
These three cars are almost the same. If you choose them immediately, it means that they can meet your requirements for car use, so you can choose which one you like and which one you like. Otherwise, how uncomfortable it is to look at a car with a little outstanding performance, but it is uncomfortable and regrettable. I have never borrowed a loan to buy a car, at least 3%. The monthly payment depends on how many years you have staged and how much the car price is discounted. The longest car loan can be divided into five years, of course, the number of installments is more according to one's own financial resources. The provident fund can't directly apply for a loan to buy a car, but the housing provident fund can be taken out, and the money borrowed is gone. It is very troublesome to get the provident fund. You have to provide a house purchase contract, or a house renovation contract, or a rental contract. In short, you have to pay for it yourself. After the withdrawal, the provident fund will be automatically withdrawn to a card every month, and you can withdraw the money every month. You only need to go through the withdrawal procedure of the provident fund once, and all the money in the future will be automatically credited to your card.
Fourth, what can be the down payment for a car loan, and how many installments can it be divided into?
generally speaking, the down payment for a car loan is 3%, and the loan can last for three years at most. You can consult your local dealer for details, and they will explain it to you in detail.