You can get a car loan if you have a loan, and there is no hard and fast requirement for the borrower to have a loan. However, having a loan will affect your repayment ability and may be rejected in the review of car loan, so it is best to pay off the previous loan before applying for a car loan.

When a commercial bank conducts credit business, it shall strictly examine the borrower's credit standing and guarantee to ensure that the loan can be recovered on schedule. Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law.

Article 7 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank conducts credit business, it shall strictly examine the credit standing of borrowers, and ensure and guarantee the timely recovery of loans. Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law.

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.

There are two main forms of car loan repayment:

I. Average capital

The calculation formula of average capital is: (loan principal ÷ repayment months) (principal-accumulated amount of repaid principal) x monthly interest rate.

Matching principal and interest is to allocate the principal to each month, and the money paid this month is the interest on the remaining principal of last month plus the principal allocated in each period. Compared with the equal principal and interest, the overall interest paid by the average capital is relatively small, but the amount repaid in the early stage will be relatively large, which requires the lender to consider its own actual situation.

2. Equal principal and interest

Matching principal and interest means that the principal and interest of the loan are shared together, and the monthly repayment amount of matching principal and interest is basically fixed. When we make a loan, we must first look at the repayment method in the contract and prepare enough money to avoid bad credit reporting due to overdue.

Can I apply for a car loan with an online loan?

You can apply for a car loan by online loan, but you must meet the following conditions:

1. Be able to repay on time;

2. No bad credit record;

3. And the repayment ability is good;

If you have the above three items, you can also apply for car loans.

Online lending, mbth is Internetlending, and p2p online lending is the abbreviation of online lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.

It is generally not recommended to borrow money to buy a car. It is better to pay off the debt first and postpone the car purchase plan, so as to avoid too much pressure and more trouble at once, especially for users with low income or instability.

Users owe tens of thousands of online loans but are not overdue, and the ability to repay does not affect the approval of car loans; If the online loan is overdue by tens of thousands, then there is a big problem with personal credit, and the institution will not pass when approving the car loan. After all, the risk of overdue is too high.

Generally speaking, users can go to the bank to apply for a car loan with low interest. Those who do not meet the conditions for approval of bank car loans can go to auto financing companies or other financial institutions for loans.

You can still apply for a car loan if you have a loan. There is no hard and fast requirement for borrowers to apply for car loans. Banks will generally decide whether to pass the borrower's loan application according to the borrower's debt ratio, repayment ability and credit information. If the borrower can meet the following conditions, he can apply for a car loan even if he has a loan.

If the online loan owes money, there are many overdue records, and all the borrowed online loans are credited, then the personal credit has been broken. In addition, in the case of unstable income, it is difficult for banks to apply for car loans. At this time, you can look at loans from other auto financing companies. The threshold will be relatively first, but the interest rate and risk will be higher. Sometimes, the company may go bankrupt and the company personnel run away.

Can I get a car loan with a loan?

Yes, it depends on the actual situation of the lender. What kind of loan does the applicant want to apply for, how much loan to apply for, and how long is the time limit for applying for the loan. If the applicant's personal qualifications are not bad, he can get a loan.

For example, if the applicant has a car loan and then applies for a credit loan of 40,000 yuan, if the monthly income of the applicant is 20,000 yuan, and the car loan to be repaid every month is only 2,000 yuan, as long as the applicant has good personal credit, no overdue situation and no other debts, then the probability of obtaining a credit loan is very high.

Of course, this is also inseparable from the loan institution chosen by the applicant. Banks always have higher requirements for applicants and strictly control the applicant's asset-liability ratio. The asset-liability ratio exceeds 40%, and banks will hardly consider lending.

If my car loan has not been paid off, can I refinance it? Yes, if conditions permit, but the borrower should arrange the loan amount reasonably. In addition, borrowers can also consider applying for loans from loan companies. Compared with banks, the loan conditions of loan companies are much looser, and the chances of loan success are greater. But the cost of loans is much higher than that of banks. Therefore, it is necessary for borrowers to make repayment plans before applying for loans.

Knowledge expansion:

Car loans need to meet the following 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.

The process of buying a car with a loan:

1. Lead customers to choose cars at the bank's special dealers and sign car purchase agreements or contracts;

2. The borrower applies to the loan bank for personal automobile mortgage;

3. Sign the contract with the consent of the investigation;

4. Go through the formalities of notarization and mortgage of automobiles;

5. The lender handles the loan;

6. After the loan is paid off, the lender cancels the pledge certificate and returns it to the customer.

Can I still apply for a car loan if I have a loan

You can apply for a car loan if you have a loan. There is no hard and fast rule that borrowers must have loans. Generally, as long as the borrower meets the loan conditions, he can apply for a car loan even if he has a loan.

However, although you can apply for a car loan, you are in debt after all, so it will affect your repayment ability to a certain extent. Therefore, when you apply for a car loan, the bank or lending institution may reject you for this reason when reviewing it.

Therefore, if you have a loan and want to apply for a car loan, you must provide enough information to prove that you have enough economic ability and the ability to repay the principal and interest of the loan on time, so that you can successfully apply for a car loan on the premise of having a loan.

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. The actual interest rate of car loan is set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. There are three types of car loans: direct, indirect and credit card. The term of car loan is generally 1-3 years, and the longest is no more than 5 years.

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.

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

In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.

And credit cards, car loans. 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.

The specific steps of buying a car by credit card in installments are roughly as follows:

1. The cardholder (or applicant) calls the bank's credit card center or goes to the local bank to find out whether he can apply for a credit card car loan.

2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it.

3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.

4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance.

Finally, I can drive the car away smoothly.