1. 18 to 45 years old China citizens with full civil capacity.

2. Proof of fixed residence and business premises. The certificate of fixed residence can be the real estate license (or the real estate license of parents' names), and the certificate of business place should hold the business license issued by the administrative department for industry and commerce and the business license of related industries, indicating that it is engaged in normal production and business activities.

3. Proof of funds. The loan applicant's investment project requires that he already has some self-owned funds. This is an important condition for banks to measure whether to lend, because the amount of venture loans generally does not exceed 70% of the total liquidity required by lenders for normal production and business activities, purchase of small equipment, franchising, etc.

Fourth, settle accounts. The loan applicant must open a settlement account with the loan bank, and the operating income must be settled by the bank. Moreover, the purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for other speculative investment projects such as equity.

Verb (abbreviation for verb) loan guarantee. Loan applicants need to provide certain guarantees, including real estate mortgage, certificate of deposit pledge, third-party guarantee, etc. In addition, they should also provide banks with some information about their credit status, repayment ability and loan investment as much as possible, which will increase the credibility of loans and facilitate the smooth acquisition.

Get a loan.

6. Good reputation and no bad records.

Seven, the project conforms to the national industrial policy and regional economic development, with good economic and social benefits. Entrepreneurs can consult the local labor department if they want to apply. At present, it has not been determined whether individuals pay interest first, then financial subsidies, or financial interest in advance, but the financial discount is certain.

I. Materials required for applying for Toyota Finance

1. ID card photo, one-inch bareheaded color photo of the applicant recently 1 photo (background color is not required).

2. Identity cards, the identity cards of the applicant and the respondent.

3. Driver's license, a valid driver's license held in the name of the applicant or jointly with the applicant.

4. Proof of current residence.

5. proof of income: ① provide proof of income in Toyota financial standard format; (2) Personal bills for the last 6 consecutive months; (3) If the applicant is a 100% holding/sole proprietorship enterprise, the enterprise bill can be used instead.

6. Proof of other assets, ① large time deposit certificate; ② List of stock market value; ③ List of fund market value; (4) Other property certificates. You can also call Toyota Financial Customer Service Hotline: 800-990-6060 for details.

Second, Toyota financial approval process

1. Select the vehicle type and fill in the application form.

2. Submit complete loan information.

3. Approve the loan from Beijing headquarters.

4. Sign a loan contract.

5. go through the formalities of picking up the car.

6. Take your car home.

Third, is it better to pay in full or interest-free for two years?

First of all, it needs to be clear that interest-free does not mean free, and financial institutions often take interest as their profit point.

1. If we participate in interest-free activities, some 4S stores may force us to buy insurance in 4S stores, and the insurance coverage in these two years will be about 5,000 yuan more than our full amount or interest loan.

2. Charge fees in disguise. Take the purchase of a car with a price of 6,543,800 yuan as an example, with a loan of 70,000 yuan and a down payment of 30,000 yuan, so the handling fee is about 3,000 yuan.

3. Individual 4S stores will be bundled for sale. To participate in the interest-free service, you must buy a car decoration package. Often these packages cost several hundred yuan, and then they are sold to you for several thousand yuan.

Adding up the above three expenses, the customer will probably pay about 1000 yuan more, which is twice the interest of 4,000 to 5,000 yuan for two years. This is also a two-year interest-free trap for some 4s stores. Then someone will say why 4s shops are afraid of naked cars. The main reason is that the cost of insurance, decoration and maintenance of selling cars is higher than that of selling naked cars, and it is also the main source of income for 4s stores. Of course, selling naked cars also has profits, but the profit point is low, and sales will be taken at the end of the year.