The loan application conditions are 1, a natural person who is at least 18 years old and has full civil capacity. 2. Have a fixed occupation and a predictable source of repayment, have a good credit status, have a good willingness to repay and the ability to repay the principal and interest of the loan on schedule. 3. It is required to use the purchased second-hand car as collateral and apply for vehicle insurance according to the requirements of the bank. Information required for the loan: 1, ID card, household registration book and marriage certificate of both husband and wife of the borrower; 2. Income certificate issued by the borrower's unit; 3. The borrower's bank statement in the last three months; 4. Proof of other assets of the borrower. 5. Car purchase contract or agreement signed by the buyer and the seller. 6. Relevant certificates of down payment for car purchase. 7. Used car transaction invoice and registration certificate.

Second, can a used car apply for a loan?

Yes, but certain conditions need to be met. Conditions to be met for handling second-hand car mortgage loan:

1. The borrower has a stable economic source and a good credit record. For a borrower who wants to apply for a second-hand car mortgage loan, the applicant must first have a stable income and good repayment ability. The applicant's credit must be good, and there is no bad record on his personal credit record. 2. The borrower is of an appropriate age and has a stable residence. The person applying for a loan must be 18-65 years old, too young or too old to apply for a loan. Finally, the applicant should have a fixed residence at the location of the branch of the lending institution. 3. The age of the car is appropriate. It is required that used cars should not be too old. Because the car is worn out, the newer the used car, the greater the possibility of obtaining a loan. Banks also stipulate that the loan period of used cars is generally 15 years. 4. The valuation of second-hand car mortgage loan vehicles is up to standard. Used cars are not like new cars. New cars are easier to get loans, but used cars are not. Under normal circumstances, financial institutions stipulate that cars with a used car price of 700,000-500,000 yuan can apply for loans. If the car price is too high or too low, it is not easy to apply for a loan. Extended data:

Bundling cooperation with the used car market has greatly reduced the risk of non-performing loans. The guarantee company enters the market and has a fixed business place. Vehicle evaluation and transaction audit are carried out for professional companies that have passed the market, especially for the quality status and process of used cars, and medieval evaluation company is designated as the only partner, which eliminates the damage caused by "false evaluation" from the source, greatly improves the accuracy of evaluation, and is very effective for bank risk control. The longest loan period is three years, which controls the generation of non-performing loans to some extent. Because the total price of vehicles is relatively cheap, the repayment pressure of users is not great, and the interest rate borne by loans is relatively low. In addition, both companies indicated that they have effective non-performing loan control and management systems, but the approval time is 5-7 working days, which may affect the rapid development of their business.

3. What are the loan conditions and loan information of used cars?

1. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule.

2. Abide by laws and regulations, and have no illegal acts and bad credit records.

3. Personal legal assets with stable legal income or sufficient to repay the loan principal and interest.

4. Sign a car purchase agreement or contract with a special dealer, or other legal and valid car purchase certificates.

5. Open a personal settlement account, agree to issue loans to the designated account, and agree that the bank will deduct the loan principal and interest from the designated personal settlement account.

6. At present, smart repayment methods and Volkswagen used car loan applications are not accepted.

4. What are the loan conditions and loan information of used cars?

Materials to be submitted for second-hand car loans:

1. The lender needs China citizens with full civil capacity;

2. The lender needs to evaluate the price of the mortgaged vehicle on site;

3. The borrower shall provide the second-generation ID card, the original household registration book and its copy;

4. The lender needs income and proof of income;

5. Lenders need to have a good bank.

6. Other used car loan materials required by banks or lending institutions.

To sum up, you have questions about the information submitted for applying for a second-hand car loan. You can check the relevant information or directly search "used car loan information" for more information.

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