If you apply for a loan to buy a car while repaying the mortgage, it is actually possible. According to the bank regulations, as long as the applicant's current income is high, he still has the ability to repay the loan and buy a car. At the same time, he also has a down payment certificate for a car loan. If the mortgage is not paid off, he can also apply for a loan to buy a car. Of course, the applicant's personal credit record needs to be kept well.

Application process of loan to buy a car

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1. Apply for a car loan.

After the applicant is optimistic about the vehicle to be purchased, he/she needs to fill in the Application Form for Automobile Consumption Loan and the Investigation Form for Credit Information, and submit them to the loan bank together with relevant certificates of personal situation.

2. After receiving the application, the bank will conduct pre-loan investigation and approval.

3. After examination, the bank will notify the borrower to fill in various forms, loan contracts, guarantee contracts and mortgage contracts, and handle mortgage registration, insurance and other procedures.

4. Banks issue loans.

The borrower pays the down payment to the car dealer, and goes through the formalities of car pick-up with the passbook and the car pick-up note issued by the bank.