The most formal audit requirement is that the overdue period is no more than 6 times, and the monthly income is more than twice that of the monthly payment. Meeting this condition will generally pass.

Second, is it good to buy a car and go to Mercedes-Benz auto finance, because the personal debt is high?

If the debt is too high, it will pass. You can try to reduce the debt first, as long as it does not exceed the standard line.

Third, is it easy for highly indebted manufacturers to pass finance?

Different manufacturers have different financial access conditions.

Some are heavily in debt, so it is a bit difficult to borrow more.

Some credit reports are not good, even if there is no debt.

It depends on the situation.

4. Will SAIC-GM Finance approve this debt?

My mortgage is 350,000 yuan, and my monthly payment is 2,400 yuan. The car loan is 38,000 yuan, and the monthly payment is 1300, which has just passed the financial approval of SAIC. The monthly salary is 8k.