Will not check credit card arrears.

To apply for a car loan in a bank, you need to provide information:

Personal loan application;

Two, I and my spouse's valid identification;

Three, I and my spouse's occupation, position and income certificate;

Four, marriage certificate (unmarried proof is required, except the legal age of marriage) and household registration book;

5. Original ID card, residence booklet or other valid proof of residence, and provide a copy;

6 car purchase agreement, contract or letter of intent signed with the dealer;

7. Proof of deposit or down payment;

Eight, the documents or materials required for the guarantee;

9. Other documents required by the cooperative organization.

Extended data

Usually in the process of secondary mortgage, borrowers are generally told that they need to obtain a higher loan amount. "Two cars stop" has two situations:

First, the business operation of the platform itself is not standardized. In order to expand the business volume, Company B accepts the second mortgage again knowing that the borrower has pledged the vehicle to Company A;

On the other hand, there is a time difference in the audit process of different companies, which leads to the phenomenon of secondary mortgage.

For example, a customer bought a car through a dealer loan, but the dealer applied for mortgage loans in two companies in a short time. Both companies may not find the borrower's mortgage information, and both companies have passed the audit.

Car loan Can I see your previous student loans?

Car loan Can I see your previous student loans? As you can see, the car loan can be found in the name of the lender. Banks and auto financing institutions will check credit information when approving auto loans. If there is a credit business that has done credit investigation before, you can display the loan records in the newspaper. Unless the loan applied by the lender is not connected to the central bank's credit information, such loans cannot be found.

Can I find all the loan records when I apply for a car loan?

I won't read the consumption records. I want to check my personal credit to see if there is any bad credit record, that is to say, there is no overdue phenomenon, and then I will decide whether to relax according to my credit record.

Application conditions

1, the buyer must be at least 18 years old and a China citizen with full capacity for civil conduct.

2. The car buyer must have a relatively stable job, a relatively stable economic income or assets that are easy to realize before he can repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.

3. During the loan application period, the car buyer will deposit the down payment for car purchase lower than that stipulated by the bank into the account of the bank savings counter.

4. Provide banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.

5. Car buyers are willing to accept other conditions deemed necessary by the bank.

Extended data:

Auto credit, a very attractive "cake" at that time, was not only carved up by banks, but also joined by insurance companies. With the arrival of the peak of car purchase, insurance companies have also flooded into the car loan market. They launched the car loan guarantee insurance business, which not only provided guarantees for bank car loans, but also opened up new profit paths for themselves.

Another protagonist in the field of auto credit is auto dealers. With the help of the booming car loan business of banks and insurance companies, it has added fuel to the flames and made huge profits from customers' car purchases.