This is possible because the final review will be conducted later. Generally, the first instance reviews big data and credit information, which are the basic conditions for obtaining loans, so don't worry about your overdue credit information. As long as it is within the controllable range, there should be no major problems in credit information.
However, please pay attention to answering the landline phone, which is what we often call telephone audit. Telephone audit usually asks about your job income, so you must remember this information when filling out the form.
I. Bank auto loans
No matter what brand or model the lender wants to buy, he can apply for a bank car loan, and the conditions and procedures of the repayment party can be used by everyone. It is understood that the bank is 0% or 50%.
Second, the auto financing company loans
To apply for a loan from an auto financing company, the lender generally needs to provide copies of ID card, household registration book, marriage certificate, real estate license, residence certificate and income certificate. There is no need to guarantee a car account, it can be handled in a 4S shop. As mentioned above, the down payment for auto loans of banks is generally 30% or 50%, and auto financing companies may be slightly lower, some of which are 20%.
Third, credit card installment car purchase
Different from bank auto loans and auto financing company loans, this method needs to pay interest, which makes the borrower pay a certain installment fee. However, in this way, the lender can only choose several models of cooperation between banks and auto companies.
Fourth, Internet credit products.
If the car price is similar, such as always applying for a car loan or buying a car by stages, then you can also choose to apply for a formal internet credit product and spend a lot of money on finance.
Borrowing is a personal consumption loan in Alipay. Borrowing can be used for personal daily consumption, so you can directly search for borrowing in Alipay. After entering the page, you can try to open it and check your quota.
2. What are the procedures for foreigners to apply for car loans in Dongguan?
There is no hukou restriction for handling auto loans in auto financing companies. As long as the borrower has a stable job and income, can repay in full and on time, can provide valid proof of residence and has a good personal credit record, he can apply for a loan.
If you have a local property, you can apply for a loan directly from the bank. If you don't have real estate in the local area, it is recommended to apply for a car 4S shop, which is easier to succeed. The basic conditions for applying for a car loan are:
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.
3. Is it troublesome to buy a car with a loan?
Nowadays, many auto companies and 4S stores will introduce some preferential loan policies to facilitate users to buy cars, thus increasing overall sales. In the past, although the car price was given a certain discount, the loan fee and the interest on buying a car were quite high, which was much more expensive than buying it in full. Now many brands are offering "zero interest" loans, which is quite good. So what are the conditions for buying a car with a loan? Will it be difficult to borrow it? You don't need too many conditions to buy a car. First of all, you should have enough budget to guarantee the down payment. At present, it is almost impossible to publicize the "zero down payment", some are 30% down payment, some are 50% down payment, and the corresponding repayment amount is different. Make a good budget in advance, and don't choose a car with too much repayment pressure in the later period. After all, there will be use and maintenance costs later. Also pay attention to the vehicle purchase tax, and you need insurance when you pick up the car. This is not a small expense, it should be included in our own budget. Secondly, the problem of self-credit. Buying a car is equivalent to mortgaging the car to a cooperative 4S bank store. If there are many defaults on your own credit information, it will be difficult for you to get a loan. Now, flowers and flowers are also considered as credit information. Everyone must repay in time to avoid credit problems. If you buy a car, you can compare the prices offered by 4S shops and outside car dealers. If the 4S store offers more discounts, you can exchange them directly at the 4S store. However, this does not have much impact on the purchase of houses by loans. In fact, it is relatively simple to buy a car with a loan, because the 4S shop will help you with the relevant procedures in order to sell the car. Related questions and answers:
Fourth, will it be troublesome to buy a car with a loan?
Now the loan procedure is not too troublesome. Generally speaking, they will help you deal with this matter by providing information to the store. You need proof of income, bank account, ID card and other information.