You can apply for automobile mortgage as long as you have a stable source of income and provide a down payment for car purchase. The down payment of a car loan should be at least 30% of the car value. At the same time, it is recommended to prepare more than 40% down payment, because you need a loan to buy a car in the early stage. At the same time, the loan period for buying a car is generally three years, and it cannot exceed five years at most. If you are a local, or have a local property, you can apply for a loan directly from the bank. If you don't have a local property, it will be easier to apply for a car loan in a 4S shop. The basic conditions for applying for a car loan are: (1) having valid identification and full capacity for civil conduct; (2) Can provide a fixed and detailed address certificate; (3) Have a stable occupation and the ability to repay the loan principal and interest on schedule; (4) Personal social credit is good; (5) Holding a car purchase contract or agreement approved by the lender; (6) Other conditions stipulated by the Cooperation Organization. Bank interest rate 1 to 3 years 6, 3 to 5 years 65% 6, 5 years or more 6.90%. If 7.05% apply in a 4 S shop, a certain fee will be charged.