After all, the loan to buy a car is to provide running water. It will take at least 6 months to provide running water for wages. If you don't have running water in your salary, you can save your own running water. If you just go to work and your salary can't last that long, you need to save for six months before applying for a car loan.
How can I make a successful payment?
1, strong repayment ability: although some people have just started to work, their wages are not low, especially those with high academic qualifications, with a minimum of more than 5,000 yuan. This level of car loan is still enough, but it depends on the car price. If the income is twice or more than the monthly payment, the problem is not big.
2. Good credit information: When buying a car with a 4S shop loan, many people will ask for credit information first. If the credit is not good, such as three times and six times overdue, it is still overdue. Don't waste time and energy. If the credit is good, you can try it.
3. Choose the right channel: Common car loan channels include banks and auto financing companies. Bank interest rates are low but the threshold is high, while auto financing companies are the opposite. You need to choose the right channel according to your own qualifications.
4. Supplement * * * Same borrower: In fact, there are multiple repayment guarantors, and the property right of the car is yours. The loan can be repaid by two people, because the income of two people is guaranteed, and it is easier to be recognized by the lending institution, and the subsequent repayment rate will be higher.
Application materials to be provided:
1. Personal loan application;
2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;
3. Household registration certificate or long-term residence certificate;
4. Personal income certificate, family income or property certificate when necessary;
5. Certificate of intention to buy a car issued by the car dealer;
6. Proof of down payment for car purchase;
7. If the purchased vehicle is secured by other means than mortgage, the relevant materials of the guarantee shall be provided, including the pledge certificate, the ownership certificate and evaluation certificate of the mortgaged real estate, and the letter of intent for third-party guarantee, etc.
8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the vehicle's affiliation agreement and lease agreement with the transport fleet;
9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by the Construction Bank; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.