For most small partners who want to buy a car, many people will buy a car by installment loans.
In fact, it is not difficult to apply for a car loan, but you need to consider your personal credit situation and your debt situation.
If there is a problem with your personal credit, you need to give priority to maintaining your personal credit information before you can apply for a normal loan product.
Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.
The interest rate of automobile consumption loan refers to the ratio between the loan amount and the principal given by the bank to consumers, that is, borrowers, to buy their own cars (non-profit family cars or commercial cars with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
First of all, car loans need to look at your personal credit information.
When you apply for a car loan, there are two main channels in the market at present:
1 and 1 channels are banking channels, which are relatively formal and require higher personal credit information of users. As long as there is nothing wrong with your personal credit information, you can apply for automobile mortgage with a high probability.
2. The second channel is the offline channel, and many 4S stores will cooperate with offline lending institutions. If your personal credit information can't meet the bank loan demand, you can consider applying for offline loan products, but the annualized comprehensive interest of offline loan products will be higher, and there may be loan routines, so you need to be cautious.
Secondly, you need to consider your debt situation.
Liabilities mainly refer to your personal credit information. In each user's personal credit information, the credit information will have the total credit limit of the central bank. If your debt level in other loan products and credit cards is high, the bank may reject your request when reviewing your loan information. At the same time, you need to pay attention to your loan repayment ability. The annualized compound interest of car loans is generally not high, but banks will also comprehensively evaluate your income level.
Finally, I suggest that you check your personal credit information before applying for a car loan, so as to know your real credit situation. If you find it difficult to apply for a car loan with your credit rating, you can find a 4S shop to help you with the loan. Users who spend a lot of money on credit information are generally unable to apply for car loans.