First, the truck loan conditions.

1. A natural person aged between 18 and 60 with full capacity for civil conduct;

2. Have legal identity documents, local permanent residence or valid residence certificates;

3. In addition, individuals applying for truck loans should have stable professional income or assets that are easy to realize, and be able to repay the loan principal and interest on schedule;

4. The lender's own funds are sufficient to pay the down payment for car purchase stipulated by the lending institution;

5. The lender must provide a guarantee recognized by the bank;

6. The lender is willing to accept other terms deemed necessary by the bank.

Second, the truck loan law

1. Car loan for dealers. Compared with banks, car owners can enjoy the advantages of simple procedures, quick handling and flexible repayment methods when applying for loans from dealers.

2. credit card installment payment. Many people who want to buy big things pay by credit card in installments, and truck loans can also be bought in this way.

3. Buying a car with credit loan and buying a truck with credit loan is also a main way of truck loan. This method is relatively simple and does not require mortgage registration. Personal credit qualification alone can win the full trust of lending institutions. The loan amount is generally about ten times your monthly income, with a maximum of 500,000.

The mortgage loan is unqualified, so it is a good choice to buy a car with mortgage loan. Moreover, the interest rate of this loan is relatively low, and the maximum loan amount is 70% of the assessed value of the collateral.

Matters needing attention in truck loan: 1. The longest loan period for trucks shall not exceed five years. Within the prescribed period, the lender must repay the loan in full and on time. If the truck lender fails to repay the loan on time for more than two months, then the car dealer has the right to take back the car (90% of the car price). 2. Many items of truck loan are similar to automobile mortgage, which can be used as a reference. However, some key points are different, so it must be noted that before applying for a truck loan, it is best to go to the car dealer or financial institution to get detailed information to avoid unnecessary inconvenience. 3. At present, the general loan companies and truck agents in the sales market have no special regulations on the household registration of truck loan applicants. In other words, they can apply for truck loans without local household registration, but they must show other pledges recognized by real estate or loan companies, which will be slightly inconvenient in the whole application process. However, according to the rules of the loan company, we firmly believe that loan success is not a problem.