The conditions that banks need to meet mainly include:

55 years old, with stable income;

2. The vehicle certificate under its name is complete and there is no guarantee at present;

3. For mortgaged cars. Banks require cars to be less than five years old and less than once.

4. At present, the appraisal value of the mortgaged car is better after 70,000 yuan.

These are the conditions of car mortgage. In addition to meeting the basic conditions of automobile mortgage, the borrower also needs to prepare complete loan-related materials, and the more complete the loan.

Second, what are the conditions for a bank loan to buy a car?

The conditions for applying for bank car loan are as follows: 1, and the borrower is a natural person with full civil capacity, aged between 18-60; 2. The borrower has a fixed income and can repay the loan principal and interest on time; 3. The borrower's personal credit record is good; 4. The borrower agrees to mortgage the purchased vehicle to the bank as repayment guarantee; 5. The borrower signs a car purchase contract or relevant agreement with the dealer; 6. The borrower has certain self-owned funds and can pay the required down payment for car purchase; 7. Other conditions required by the lending bank. Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. [3] Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. First, the risk review of loan risk often begins at the loan review stage. What happened in the comprehensive judicial practice can be seen that the risks in the loan review stage mainly appear in the following links. (1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects. (2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk. (3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place. Second, the legal content of the pre-loan investigation (1) examines the legal status of the borrower regarding its legal establishment and continued effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification. (2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment. (3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender; (4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.

3. What are the requirements for bank car loans?

Loans must meet the conditions before they can be issued.

Conditions for loan processing:

1, a citizen of China who has a fixed residence in China and a fixed residence in a local town and has full capacity for civil conduct, 18-65 years old;

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided;

5. Other conditions stipulated by the bank.