Credit information does not look at the year. If there is a bad credit record before, as long as the arrears are paid off, the credit can be restored after 5 years. At this time, buying a car by stages can pass normally.
Second, car loans are generally checked for several years.
If it is a car loan, it is usually within 5 years. As long as you have good credit information and repayment ability, you can meet the conditions of buying a car with a loan.
Third, the loan to buy a car should check the credit history in recent years.
Generally check the credit information once every five years.
Fourth, do you want to buy a car in stages now, and see the credit information?
Yes
Of course, buying a car in installments depends on credit reporting. Buying a car by installment is actually the same as buying a car by loan, so you must look at the credit report. It's just that the bank that buys the car in installments handles the installment procedures. If the cooperative bank inquires that the user has a bad credit record and bad credit, then the bank will not give the user a loan, so if you can't buy a car by stages, you will look at the credit, so you must keep a good credit record and keep the good habit of keeping the contract.
Extended data:
Precautions for car purchase by installment:
When the applicant applies for a loan, the distributor conducts a preliminary examination of the applicant's loan qualification and signs the examination form. The bank invites people to sign the car purchase contract, apply for the acceptance handover form, and go through the formalities of mortgage, notarization and insurance. The bank lends money in full and on time.
Make a repayment plan before going through the 4S shop for steam to avoid bad credit records due to overdue. Therefore, when you buy a car by mortgage in a 4S shop, you should pay attention to providing good proof of income when applying for a loan. In addition, you should ensure that the loan is successfully approved.