At present, all credit cards have to be repaid in advance, and they are foreign companies, not face-to-face visas.

Basically, they are all fake liars.

Don't believe anything they say!

Now scammers ask you to remit money in various ways, such as deposit and activation money.

Never believe it!

Second, what are the loan methods that can be applied for without income?

Applying for a loan has certain requirements for the borrower's income, which proves that the borrower has certain repayment ability. Then the question is, can I apply for a loan without income? Borrowers can apply for loans without income, so what are the loan methods? (1) The borrower has a house and a car and can apply for a mortgage loan. In order to better meet the needs of borrowers, some lending institutions provide automobile mortgage and housing mortgage loans, and these loan products do not need to check the income of borrowers. Simply put, as long as the borrower has a house and a car, he can apply for a mortgage loan, and the expected annualized interest rate of the mortgage loan is relatively cost-effective. (2) The borrower can consider the installment payment platform for installment products and require the borrower to be a loyal fan of the platform to some extent. Bai Hua is a good example. However, borrowers need to pay attention to the fact that some products are bound, so there are still some limitations. (3) Student loan products can be considered. Student loan products are mainly aimed at the loan needs of college students. Generally speaking, college students have no income. For example, school flower loans, school grass loans, U-nation university loans and other loan products. To apply for college student loan products, there are certain requirements for the identity of the borrower. The borrower needs to be a college student.

3. Without proof of real estate and income, how can a migrant worker borrow money to buy a car?

Let me get back to you.

Information to be prepared for loan to buy a car

1. Application Form: It is very important to fill out the application form for automobile consumption loan. Generally speaking, important information in the form, such as age and repayment ability, will be an important condition for your successful loan application.

2. Personal data: household registration book, guarantor's ID card, housing certificate and personal income certificate. All documents must be original and photocopy, and generally two copies need to be prepared.

3. Proof of repayment: To buy a car by stages, you must have a stable source of income and need to provide your own running bill for three to six months. Note: In general, the monthly contribution will not exceed 60% of the total disposable income of the family.

4. The third-party natural person shall provide guarantee for repayment of loan principal and interest. Note: Husband and wife cannot guarantee each other.

5. Other conditions stipulated by the bank.

Handling loan car purchase process

Bank loan:

1, prequalification, customers need to go to the bank first to see if they meet the qualification conditions;

2. For the qualification of bank approval, you need to submit personal information, bank account, etc. ;

3. Sign a car purchase contract, pass the preliminary examination, pay a deposit, and sign a contract;

4. Submit a loan application, and submit a car purchase application in stages according to the car purchase contract, indicators and bank flow;

5. The grant amount is generally within one week.

Remarks: The bank audit time is relatively long.

Finance company loan:

1. Apply for a loan, understand the loan scheme and go through the loan application procedures;

2. Submission of materials. Different loan schemes need to submit different materials;

3. After approval, it will be approved by the finance company (Shanxi Tiansheng can make the next payment after ten minutes of approval, please consult for details).

4. Sign the contract, pass the examination, sign the auto financing contract and pay;

What should I pay attention to when buying a car with a loan?

If you don't pay the mortgage for 3-6 months, the car will be detained.

When buying a car by mortgage, most people are concerned about the problems before buying a car: application conditions, interest rate, years, handling fees, etc. In fact, there are many problems after buying a car. There are two most common types:

1. If the repayment is not made on time in a certain month, although it will be made up in time afterwards, a penalty will still be paid;

2. If the repayment is not made in the 3rd-6th installment, the guarantee company will directly detain the vehicle. If the owner wants to get the vehicle back, he can only pay off the loan, liquidated damages and various expenses incurred by the guarantee company in the process of detaining the vehicle.

Generally speaking, there are more chances of overdue once or twice, and most of them are forgotten by the owner for a while.

I haven't paid off the loan yet, but I don't want a car.

After buying a car, a few people are still in the loan period. For various reasons, they don't want it. It's too much trouble to sell cars, so they simply don't pay back the money, just wait for the bank to mortgage the auction. The best way is to apply directly to the bank and sell the car and pay back the money after approval. At least, there is no need to pay liquidated damages, and personal credit information is not affected.

When signing a contract, no matter how thick the text is, you should read it carefully and understand it, such as whether there are any additional conditions and the consequences of breach of contract, and then sign it.