You can't apply for a loan if the bank doesn't have enough water to buy a car. The borrower can wait until the bank has enough water to apply. General loans to buy a car need to meet the bank's application conditions before applying. Application conditions for loan to buy a car: bank running water; Natural person with age 18-65; Can provide fixed and detailed address proof; Have a stable occupation and income, and have the ability to repay the principal and interest; Personal social credit is good and there is no bad credit record; Holding a car purchase contract or agreement approved by the bank; Other conditions stipulated by the bank. Information on loan to buy a car: ID card; Original residence booklet or other valid proof of residence, and provide its copy; Proof of occupation and economic income; The car purchase agreement signed with the dealer; Car purchase contract or letter of intent. The process of buying a car by loan: choose a car at the special dealer of the bank and sign a car purchase agreement or contract; The borrower applies to the loan bank for personal automobile mortgage; Sign the contract after investigation and consent; Bank loan.

Second, what about the running water in the bank? What are the requirements for buying a car with a loan?

Generally speaking, banks and auto financing companies will require borrowers to provide certain application materials, such as ID cards and income certificates. Or the bank's daily account will do. But what if your monthly salary is paid in cash? Many people find some intermediaries to do fake running water when they can't provide bank running water. In fact, using this kind of running water loan is more risky. Once the bank verifies, it will not only leave a bad credit record, but also the loan application will be rejected. In fact, there is no way for people who pay their wages in cash. Now many lending institutions also accept self-preservation and self-flowing water. That is to say, the borrower deposits a fixed amount into the same account at a fixed time every month to obtain self-deposit flow, but two points should be paid attention to when depositing self-deposit flow in the bank:

1, and the continuity and stability of running water must be guaranteed;

2. Self-storage flow time is at least 3-6 months.

Third, what should I do if the car loan is not enough?

In some places, the monthly payment for car purchase is required to be more than 2.5 times of the monthly repayment amount.

Fourth, mortgage a car, the bank water is not enough?

almost half a year

Generally speaking, the lender is a valid personal identity document when handling the car loan process. Including resident identity cards, household registration books, etc. If the borrower is married, please provide proof of spouse identity (note: under the same conditions, married people are more likely to get loans than unmarried people). The auto loan provisions are as follows:

Application materials to be provided:

Personal valid identity document. Including resident identity cards, household registration books, etc. If the borrower is married, the identity certificate of the spouse shall be provided;

Certificate of intention to buy a car issued by the car dealer;

Household registration certificate or long-term residence certificate;

Personal income certificate, and provide family income or property certificate when necessary;

If the purchased vehicle is secured by other means than mortgage, relevant materials for the guarantee shall be provided;

Proof of down payment for car purchase;

If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation.

Precautions for car loan:

Loan target: a natural person with full civil capacity, aged between 18 and 60;

Loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle, of which the loan amount of the commercial vehicle shall not exceed 60% of the price of the purchased vehicle;

Loan term: the purchased vehicle is for personal use, and the longest loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years;

Loan interest rate: subject to the loan interest rate regulations of China Construction Bank;

Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest, matching principal and interest, average capital repayment, and one-time repayment of principal and interest. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.

Processing flow:

Customer application: the customer applies to the bank, fills in the application form in writing and submits relevant materials at the same time;

After the contract is signed, the bank will review the application materials submitted by the borrower, and both parties will sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate;

Lending, loan approved by the bank, after all formalities are completed, the bank will directly transfer it to the account of the automobile dealer according to the contract;

Repayment on schedule, the borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;

Loan settlement. Loan settlement includes normal settlement and early settlement, as follows:

(1) Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

(2) Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, it must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.

After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.