Of course.
The vehicle purchased by the borrower is for personal use, and the loan period (including extension) is unused, and the loan period (including extension) does not exceed 3 years.
3. What is the longest car loan?
3 years and 5 years, but some banks stipulate that the vehicle must be fully insured when the loan is not repaid, and the three must not be less than 200,000, and the number of people in the car should not be less than 50,000.
Fourth, the longest car loan can be borrowed for several years.
Generally speaking, the term of auto loan can be divided into 6 periods, 12 periods, 24 periods, 36 periods, 48 periods and 60 periods, of which the longest term will not exceed 60 periods, that is, 5 years. Therefore, judging from the current market situation, car loans can be loaned for up to five years. However, the longer the loan time, the more interest consumers need to pay. Therefore, even if banks and financial institutions can provide five-year loan services, many people still choose the most conservative three-year and 36-year loan businesses under Yu 'ebao. : What are the requirements for car loan for 5 years? 1. The loan applicant must be at least 18 years old and have full capacity for civil conduct. 2. You must be able to pay the car down payment and get a car purchase contract. 3. Have a good credit record and no other overdue information on car loans. 4. Have a stable source of income and be able to repay on time. 5. Have legal identification, and in some places, mortgage items or real estate licenses are needed. 6. Other requirements of local policies can be met. Step 1: Apply to the bank, fill in the corresponding application form and submit the application materials, including ID card, income certificate, real estate license, household registration book and other related loan contracts. 2. After approval, a loan contract and a guarantee contract can be signed. If you want to be more secure, you can handle the relevant notarization and do a good job in mortgage registration. 3. After the bank or financial institution confirms it again, it will transfer the money to the account agreed by the individual. Then you need to repay the money within the time stipulated in the contract. Of course, you can also settle the car loan in advance, but you have to charge a certain penalty. If the car loan has not been paid for more than 3 months, it may be entered into the credit information system. Serious cases may be prosecuted and vehicles will be towed away for auction. The proceeds from the auction will be used to pay off debts. 5. After the car loan is settled within the specified time, you need to bring valid documents to the bank or mortgage payment institution to obtain mortgage certificates such as settlement vouchers, and go through the mortgage registration cancellation procedures at the original mortgage registration department. An example of car loan is 1. Take a car of about 65438+ 10,000 yuan as an example, pay 30% down payment first, that is, 30,000 yuan. But in fact, how long the loan lasts mainly depends on the individual's repayment ability. If you spend some money every month, the quality of life will not improve. At this time, the shorter the loan period, the better. After all, the total cost may be 10 thousand yuan more than buying a car in full. 2. Take the interest of 65438+36 installment of car loan as an example. The collection and payment of 65438+30 million yuan is about 7000 yuan, and there are other payment items, such as insurance and extended warranty, purchase tax and licensing fee. If you buy insurance in a 4s store, you need at least 6000 yuan, while the purchase fee needs about 8500 yuan, and the authorization fee needs 350 yuan. Finally, the car loan interest rate is determined according to the lender's credit information, down payment ratio and preferential activities. Of course, this annual interest rate should also be affected by the loan term, but it will generally fluctuate according to the central bank's benchmark interest rate of 4%-7%.