If an individual has no other debts now, he can apply for a loan to buy a car. You can buy models up to 65438+ 10,000.

If an individual is already in debt, such as applying for a mortgage, the monthly mortgage payment has accounted for half of his personal income. In this case, he cannot apply for a loan. Or individuals applied for credit loans and consumer loans, but they didn't pay them off. Even if the repayment amount is not high, it will affect the application for a loan to buy a car.

At the same time, besides income, there are other factors that determine whether an individual applies for a loan. For example, the personal down payment is not enough and the credit record is good. If an individual has a criminal record, he can't apply for a loan to buy a car.