It's ok to go to the bank to borrow money to buy a car in full.

Users can apply for personal consumption loans from banks, and some banks also provide personal car consumption loans, and the loan funds can be used to buy family cars. After the loan funds arrive, you can go directly to the car dealer to pick up the car in full, but you must repay the bank loan on a monthly basis.

Bank personal consumption loans may require applicants to use real estate as collateral, and at the same time, there are certain restrictions on the price and models of bare cars, and even only a few designated models can be purchased, which is more restrictive than car installment loans.

Many banks have launched car purchase business in stages. After the down payment is paid in proportion (some banks require 20% and some banks require 30%), the rest can be loaned. I suggest you consult the dealer of your favorite model first to find out which bank you are cooperating with, and then prepare the formalities as required.

Can I get a loan to buy a brand-new car?

No problem.

Can I get a loan to buy a brand-new car?

A new car bought in full can be put in the bank as a mortgage loan.

Banks have some requirements for mortgaged vehicles. Generally, there are some requirements for car age and mileage, so the new car fully meets the requirements and can be used as a mortgage loan. With the development of economy, the automobile is not only a means of transportation. Some people will mortgage their cars in bank loans, which can be used for business turnover.

Usually, many consumers may often hear about mortgage cars, so the price of mortgage cars is generally very cheap, but mortgage cars cannot be transferred. Usually, many mortgage cars can be seen for sale in the used car market, so consumers are not advised to buy such cars.

Mortgaged cars can't be transferred, which is risky for future use. Moreover, the mortgaged cars are generally mortgaged in banks or some small loan companies, so the cars are generally equipped with gps, and the cars may be towed away or taken away during use.

When buying a used car, you must check the procedures of the vehicle to ensure that the vehicle can be transferred normally. If the vehicle procedures are incomplete and the vehicle cannot be transferred, there is no need to continue to look at the car.

If you have many luxury cars in your name, you can mortgage them to a regular bank loan. It is not recommended to mortgage to some small loan companies in the society.

Fourth, how to borrow the full car? Can I get a bank loan for the whole car?

You can borrow money to buy a car, and all cars can also borrow money. At present, there are two ways to borrow the whole car, one is to mortgage the car; In addition, don't detain the car and press the formalities. Among them, the loan amount for handling automobile mortgage procedures will be relatively high, and the maximum loan amount can reach 90% of the assessed value of the vehicle. However, this loan method needs to hand over the vehicle, that is, the owner needs to hand over the vehicle to the other party after the vehicle mortgage registration. As for the second method, although the borrower can still use the vehicle after the vehicle mortgage registration, the maximum loan amount is only 80% of the vehicle evaluation value.

At present, all major banks provide mortgage loans, and you can go to the bank for a full car loan. You can apply for a mortgage loan with a full car in your name, and you can go to any bank. But it is best to choose national joint-stock commercial banks, because larger banks have more funds and better services, such as Ping An Bank, China Merchants Bank, China Construction Bank and Industrial and Commercial Bank. If you want to get a smooth loan for the whole car, you need not only the car that the owner mortgaged has enough value, but also good credit, stable income and the ability to repay the loan principal and interest on time.

The application condition for full car loan is 1. The loan applicant must be at least 18 years old and have full capacity for civil conduct; 2. Good credit record, no overdue information about other car loans, a fixed occupation or business, and predictable repayment sources; 3 there is a clear purpose of borrowing, and the purpose of borrowing should be reasonable and legal; 4. Have a local account. If it is a foreign hukou, you need to live and work in the city where you apply for a loan for a long time; 5. The borrower must be the owner of the vehicle, and the vehicle is a non-modified, used car maintenance and car loan industry employee; 6. The vehicle license plate is a local license plate, and there has been no major accident in the vehicle; 7. The service life of the vehicle is less than 5 years, and the model can be a car or a commercial vehicle; 8. Registration certificate, driving license, driver's license, insurance policy, spare key, etc. Is complete; 9. The vehicle has been purchased for more than 3 months, and the owner has no criminal record of reeducation through labor or has been reeducated through labor.