Not tall. Because you just took your driver's license, 18 years old can only take your driver's license. Before buying a car, if you get a driver's license, there is still a period of adaptation. Most importantly, if you want to borrow money to buy a car, you need to pay a down payment, so other loans must have proof of income. If you don't have a proper job and no proof of income, this will definitely not give you a loan.

How to apply for a car loan? Is it easy to buy a car by stages?

Materials needed to apply for car loan: ID card, household registration certificate, marriage certificate, work certificate, income certificate, personal credit report, vehicle registration certificate, driving license, car purchase invoice, insurance policy, purchase tax book, vehicle mortgage certificate, etc. Some materials may not be needed, so it is best to consult the local bank or car loan institution first to avoid a trip in vain.

How to apply for a car loan

1. The customer applies to the bank and fills in the corresponding application form, and provides the corresponding materials according to the above requirements;

2. If it is approved, sign a loan contract and contract guarantee, handle relevant notarization as appropriate, and complete mortgage registration procedures;

3. Issue loans with the consent of the bank, and transfer the money to the designated account of the automobile dealer or individual according to the agreed transfer method;

The borrower needs to repay the loan according to the contract. In case of normal settlement or early settlement, the borrower needs to hold a valid ID card and a loan settlement certificate issued by the bank, get the relevant custody certificate and supporting documents from the bank, and go through the mortgage registration cancellation procedures at the original mortgage registration department.

Is it easy to buy a car by stages?

It is relatively easy to buy a car in stages in a car loan agency or 4s shop. It is understood that the pass rate of 4s car loans is 95%, much higher than that of banks. You can apply as long as you meet the following conditions:

(1) has valid identification and full capacity for civil conduct.

(2) Provide fixed and detailed proof of address.

(3) stable occupation and repayment ability on schedule

(4) Personal social reputation is good and there is no bad credit record.

(5) Other conditions of car loan institutions or banks.

Even if you don't have a job or a driver's license, you can get a car loan with a minimum down payment of 20% according to the requirements of the bank as long as you meet the above conditions. You can't pick up the car on the same day after the down payment, because the approval will take at least 2-3 working days and can be completed in one week at the longest.

If the debt exceeds 50% of the total vehicle price (including purchase tax, insurance, etc.), banks may not apply for auto loans. Of course, if you have a stable job or repayment ability, go to the bank with relevant certificates, so the pass rate will be higher.

Is the pass rate of Freddie Mac's lease loan to buy a car high?

Freddie Mac's lease loan to buy a car is relatively easy to pass as long as the procedures are complete.

Automobile financing lease refers to a way of paying by cash installment, and its main core is to separate the ownership and use right of vehicles. Financing lease to buy a car is to buy a vehicle designated by the customer and rent it to the customer for use. After paying a certain deposit according to the contract, the customer pays the rent monthly. After the lease contract expires, the customer decides whether to acquire the ownership of the car.

Is it easy to pass the car loan review?

It's easy to pass, but it depends.

The process of buying a car with a bank loan is as follows:

1. After the car buyer selects the vehicle to be purchased, he prepares relevant materials and applies for a car loan from the loan bank;

2, the loan bank according to the submitted application materials for review and investigation;

3. After approval, the borrower signs a loan contract with the loan bank;

4. The borrower shall go to the local vehicle management office for mortgage registration;

5. The loan bank issues the loan, and the borrower takes the relevant certificate to the dealer to pick up the car.

Basic application conditions for auto loans:

1. Applicant 18 years old or older, but in some places, applicants are required to be over 23 years old, mainly to ensure the repayment ability of users. Please consult the staff for details.

The applicant must have a stable job and a good source of income. It is best to work in the current work unit for more than half a year to prove that you have the ability to repay the loan principal and interest on time.

3. If the applicant applies for a car loan in a bank, he/she also needs a good personal credit, and there can be no traces of frequent credit inquiry in a short period of time, and other loans or credit cards under his/her name are not overdue.

4. If the applicant borrows money from some auto financing institutions or 4s shops, it is necessary to provide some corresponding certificates, and it is best to have a stable residence where the loan is located.

Analysis on the reasons for the rejection of automobile loans;

1. The applicant's credit information is bad. If you want to apply for a bank car loan, you must ensure that there is no serious stain on your credit record for two years. If the applicant has an overdue record at present, then the application for car loan is definitely rejected.

2. Insufficient repayment ability. Although the threshold of car loan is relatively low, it also needs a stable work income. No matter what banks or lending institutions are most afraid of, they will pay special attention to the repayment ability of lenders. If your application materials show that your repayment ability is not strong, the chances of rejection are relatively high.

3. Banks and lending institutions will also review the borrower's debt when approving the application for auto loan. If your debt exceeds 50% of your monthly income, it will be more difficult to apply for a loan.

Pass rate of Shanghai Pudong Development Bank loan to buy a car

85%。 The credit of Shanghai Pudong Development Bank is very good, so the pass rate of the bank's loan to buy a car is 85%. Shanghai Pudong Development Bank is a national joint-stock commercial bank established in 1993.

So much for the introduction of the high pass rate of car loans.