3. The bank conducts credit investigation and customer evaluation on auto lenders;

If the bank passes the preliminary examination and credit investigation, the loan application will be approved.

Legal basis:

Article 9 of the Measures for the Administration of Automobile Loans

The borrower applying for personal auto loan shall meet the following conditions at the same time:

(a) People's Republic of China (PRC) citizens, or residents of Hongkong, Macau and Taiwan Province who have lived in People's Republic of China (PRC) for one year or more, and foreigners;

(2) Having a valid identity document, a fixed detailed address and full capacity for civil conduct;

(3) Personal legal assets with stable legal income or sufficient to repay the loan principal and interest;

(4) Personal credit is good;

(5) Being able to pay the prescribed down payment;

(6) Other conditions required by the lender.

Second, what are the precautions for buying a car with a loan?

Recently, my million models also found that the cold car will click in the direction when it starts, and the steering wheel will vibrate slightly. It rings every time. Somehow, it hasn't happened before.

3. What common problems should be paid attention to in car mortgage?

Car mortgage should be noted that car mortgage loans can be used for decoration, travel and shopping, and can also be used as business loans for self-employed. Therefore, automobile mortgage is still versatile, with a relatively large amount and a relatively long loan period. Generally speaking, you can borrow 80% of the car evaluation price. You can borrow it for up to three years.

Whether it must be your own car: friends who have no loan experience will think that only their own cars can use other people's cars, and most people will use their spouses, parents or other family members' cars. If you really don't have a car in your name, you need the owner and the borrower to apply for a loan together.

According to the provisions of the motor vehicle registration:

Twenty-second motor vehicle owners will apply for mortgage registration as a mortgage agent; mortgage

Article 23 To apply for mortgage registration, the motor vehicle owner shall fill in the application form, which shall be checked by the motor vehicle owner and submit the following documents and vouchers:

(a) the identity certificate of the motor vehicle owner and the mortgagee;

(2) Motor vehicle registration certificate

Fourth, what should I pay attention to when buying a car with a loan?

If you apply for a China Merchants Bank card, there are two kinds of personal car loans that can be handled by our savings card at present:

1. Consumer loans are used to buy a car, and you need to apply for a mortgage with a property with full property rights. If you meet the requirements, you can directly contact the personal loan department at the counter of China Merchants Bank to apply for your loan. The handling bank needs to examine your situation in detail to determine whether it can be handled.

2. Personal car loan, you need to apply for mortgage with the purchased car. If you have seen the car you need to buy through the car dealer, you can confirm whether you have cooperation with China Merchants Bank through the car dealer. If not, you can try to contact the personal loan department at the counter of China Merchants Bank directly to apply for a loan for you. The handling bank needs to examine your situation in detail to determine whether it can be handled.

If credit card is used for car installment: We mainly distinguish the installment application methods and application materials to be submitted by different cardholders according to their card performance (such as card holding time, consumption habits, fixed amount, etc.). ), professional status, income, etc. If you are interested in buying a car in the near future, please call Chebuyi: 4008855855 two weeks before buying a car.