You can't apply for real estate mortgage loan without real estate license, but you can do it through other channels as long as you meet certain application conditions.

The basic mortgage conditions for auto loans are as follows:

China citizens who have reached the age of 18, have full capacity for civil conduct and have a fixed residence in China;

Have a stable professional and economic income, and can guarantee to repay the loan principal and interest on schedule;

Open a savings account in a loan bank and deposit not less than the specified amount of down payment for car purchase;

Can provide guarantee measures recognized by the loan bank for car purchase loans;

Willing to accept other conditions stipulated by the lending bank.

Car purchase information: 1. My id card. Household registration book 3. Driver's license 4. Housing 5. Two recent one-inch photos. Income and labor certificate. Parking permit.

Extended data:

Automobile loan processing flow:

Go to various distribution points and consulting outlets for consultation.

Submit the information provided to the dealer for preliminary review.

Select a car model and sign a contract with the dealer & gt

The down payment is deposited in the designated account and submitted to the bank (application for automobile consumption loan).

News & gt stipulates that the loan principal and interest should be directly returned to the bank on schedule.

The dealer handles the vehicle entry formalities and delivers the vehicle.

Handle insurance, mortgage registration, notarization and other procedures.

The bank accepts, approves and signs the loan contract.