It is not very important for a bank to buy a car loan, but it depends on the monthly capital flow of the loan applicant. The bank can withdraw the monthly income and expenditure of the lender from the running water. If the monthly income of the lender is not equal to the expenditure, the bank may consider the repayment ability of the lender and may need the lender to increase the down payment ratio.

1. Yes, it usually takes 6 months to keep a running account.

2. The general requirement of a running account is that within half a year, there will be advances and outflows, and how much is not a problem. Generally, more than 20 thousand is a lot, and the balance is not very important, as long as there are advances and outflows.

3. Prove that you have this capital flow. Generally speaking, the bank only calculates the amount of your deposit, not the balance. If you can save about 20 thousand a month, it should be no problem. But it also depends on what car you buy, how much it costs, and how much it pays each month.

I. Application materials generally required for applying for loans:

1. Identification information

2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.

3. Proof of local residence: fixed telephone bill for any three months in the past year, or public utility bill such as water and electricity bill, or other materials that can prove the address.

4. Guarantee certification materials

5. Proof of use: For example, a car loan means providing a full car purchase invoice before the loan is issued, or providing a car purchase agreement (contract) plus a down payment invoice (or a receipt stamped with the dealer's official seal). After the loan is issued, the full car purchase invoice (if not provided before the loan is issued) and the vehicle purchase tax payment certificate must be provided.

6. Proof of repayment ability: our payroll customers can directly provide their payroll account flow; Social security account flow or personal tax bill, etc.

If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.

Second, the ways to buy a car by mortgage are:

1. At present, there are three mortgage methods in the market: auto financing company, intermediary guarantee and bank loan. Consumers can choose according to their own needs.

Generally speaking, the interest rate of auto financing companies is relatively high, but the procedures are relatively simple, while the interest rate of banks is relatively low, but the procedures are relatively cumbersome. Property mortgage is usually needed, and the business of buying a car through an intermediary has just begun.