All right, forget it. Vehicle loans are easier to pass than other loans, because the loan amount of vehicle loans is relatively lower than other loans (housing loans), and people with fixed jobs and incomes can afford them unless they are too capricious when choosing vehicles, which is beyond their affordability.

Is car loan generally easy to pass?

Generally, as long as the applicant meets the relevant conditions, the car loan will be easier to pass, and the car loan ability will not be easy to pass the examination and approval mainly depending on the applicant's application conditions.

When buying a car by stages, the more information provided, the higher the success rate of passing the audit. Secondly, the borrower's educational background, residence or driver's license may have a certain impact on the borrower's reputation.

Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.

The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.

In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.

And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.

The specific steps of buying a car by credit card in installments are roughly as follows:

1. The cardholder (or applicant) calls the bank's credit card center or goes to the local bank to find out whether he can apply for a credit card car loan.

2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it.

3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.

4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance.

Finally, I can drive the car away smoothly.

loan limit

The maximum loan amount generally does not exceed 80% of the price of the purchased car.

Letter of credit clause

1. Have valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

Application material

1. Original ID card, household registration book or other valid proof of residence, and provide its copy;

2. Proof of occupation and economic income, and running list of personal accounts in recent 6 months;

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

4. Other documents required by the cooperation agency.

Is it easy to buy a car with a loan?

Question 1: How about buying a car with a loan? It is not cost-effective to borrow money to buy a house. There are two kinds of loans, one is from banks, and the other is from auto sales companies or finance companies. If you borrow money from the bank, it's not worth it. If you want to borrow money from a finance company, there are too many conditions imposed on you. It is better to save it for a while and buy it in full. If the money difference is not too much, you can borrow it from a friend!

Question 2: How about buying a car with a loan? What are the advantages and disadvantages? Let me give you an example. I bought the ideal Chevrolet new Sail 1.4, with a down payment of 30%, a five-year mortgage: 64,800 for the car, 4 153 for the purchase tax, and 4,320 for all risks. 30% down payment (car price 648000.3 = 19440 yuan), plus the license fee, taxes and fees for the first year, all risks, etc. A total of 32,000 was paid (the price of the car was raised). Pay 1035 yuan in May, and the remaining four years must be fully insured every year. At present, the fuel cost is around 500 per month (there is not much commuting), and it is maintained once every 5,000 kilometers. It's exactly 1 year since I bought a car, and now it's 1 000 km. A * * has done maintenance twice, the first maintenance is free, and the second maintenance is in 500 yuan (including working hours).

I don't know how many years you will do it. Mine has been five years, and it's capped. Now it can only be mortgaged for five years at the longest. The shorter the mortgage time, the less interest.

I feel that if you don't have too much financial burden (such as children, mortgage, etc. ), this car can still be bought. After all, it's good to have a car, such as going out with friends occasionally, without worrying about wind and rain, blowing heating in winter, turning on air conditioning in summer and so on. In a word, I think the money is well spent.

The condition for applying for a loan must be proof of real estate. If not, you have to find a guarantor with real estate to guarantee you. You should also show proof of income, and the monthly salary should be 2 to 4 times the monthly repayment amount.

There is no bad bank credit record, such as a credit card with a record of your repayment.

4S stores also charge a handling fee of 2,000 to 4,000 yuan.

Question 3: Is it better to buy a car in one lump sum or to borrow money to buy a car? Generally speaking, one-time payment is easier and cheaper than installment payment, but as you said, it will take about half a year, so just before the peak period of buying a car, the price of the car is higher than usual, and many styles have to be queued. You may not be able to buy it then. I suggest you buy it now. The car price is low, so don't wait. August 15, Chinese new year, is convenient for playing and giving gifts, but also has face. As for the model and procedures, it is simple, and both 4s stores know it.

Question 4: Is it easy to buy a car by bank mortgage? Nowadays, many people agree with the concept of buying a car with a loan, enjoying it first and repaying it later. When many young people plan to buy a car, they will think of getting a car loan. The following is a detailed interpretation of the procedures that need to be handled to buy a car with a loan. First of all, you need to know the basic conditions for handling personal car loans:

/kloc-citizens over 0/8 years old with full capacity for civil conduct;

Have legal identity documents, local permanent residence or valid residence certificates.

This is the basic condition for handling car loans. Let's take a look at the specific process of buying a car with a loan.

The process of buying a car with a loan:

1: The borrower submits the loan application materials to the bank;

2. The bank conducts a preliminary examination of the application materials submitted by the borrower;

3. The bank conducts credit investigation and customer evaluation on the borrower;

3. The bank examines and approves the loan application that meets the loan conditions through preliminary examination and credit investigation;

4. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower;

5. After the loan contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.

When applying for a loan to buy a car, you need to know:

1

What you need to know when you borrow money to buy a car: the interest-free handling fee for car loans is inevitable.

At present, many auto financing companies have launched interest-free car loans, but the regulations on handling fees are different, some need to be charged, and some don't. If the car you want to buy is interest-free and fee-free, it is still relatively affordable. If you need to charge a handling fee, you must carefully calculate and measure it. The handling fee of car loan is generally between 4% and 7% of the total car payment, and the handling fee is paid at the same time as the first month payment. If the handling fee is too high, consider other types of car loans.

2

What you need to know about buying a car with a loan: read the relevant insurance clauses carefully before applying for a car loan.

Handling a bank loan to buy a car is to mortgage the car to the bank before the bank loan is paid off. In order to reduce the risk, banks generally require to buy some auto insurance as a loan condition in the car loan contract. The premium of these insurances may not fully meet your requirements, and may even be too high. Therefore, when applying for a car loan, you must carefully read the relevant insurance clauses and measure the cost of this car insurance.

three

What you need to know about buying a car with a loan: there are restrictions on buying a car with a zero interest rate loan.

Many car manufacturers will cooperate with car loan agencies to launch zero-interest loans to buy cars, usually mid-to high-end cars. However, if you buy a car with a zero-interest loan, you can't enjoy the cash discount of the car type, and sometimes the amount of these cash discounts is quite large. Therefore, if you want to apply for a zero-interest loan to buy a car, you need to comprehensively measure whether the total price of the car loan is acceptable.

four

What you need to know about buying a car with a loan: consider floating car fees and loan interest rates.

Generally, when interest-free loans are used, the total car price will increase to a certain extent, because the price of 4S shops is slightly different for customers who buy cars in cash and loans. In this case, it is necessary to calculate whether the floating amount of the loan to buy a car exceeds the total amount of personal credit and cash to buy a car. If it exceeds, you may wish to apply for a personal credit loan. If not, you can apply for an interest-free loan.

end

Information to be prepared when applying for a loan to buy a car:

1: personal loan application;

2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;

3. Household registration certificate or long-term residence certificate;

4. Personal income certificate, family income or property certificate when necessary;

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

6: Loan to buy a car down payment certificate;

7. If the purchased vehicle is secured by other means than mortgage, it shall provide relevant materials for the guarantee, including the pledge certificate, the ownership certificate and evaluation certificate of the mortgaged real estate, and the letter of intent for third-party guarantee, etc.

8. 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, such as the affiliation agreement and lease agreement for the vehicle to be affiliated with the transport fleet;

9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by CCB; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc. ...

Question 5: Is it so difficult to buy a car by mortgage? Down payment: 40% ID card, marriage certificate, household registration book, real estate license, business license, money! ! Note: If you are single, you need to find a guarantor. There are three ways to buy a car by mortgage: auto financing company, intermediary guarantee and bank loan. Consumers can choose according to their own needs. Generally speaking, the interest rate of auto financing companies is relatively high, but the procedures are relatively simple, while the interest rate of banks is relatively low, but the procedures are relatively cumbersome. Property mortgage is usually needed, and the business of buying a car through an intermediary has just begun. Auto finance companies provide mortgage loans. Auto finance companies are non-bank financial institutions funded by automobile manufacturers and providing financial services to automobile buyers. In China, its establishment and change must be approved by the CBRC, and its service content and scope must also be supervised by the CBRC. The most important function of an auto financing company is to provide auto loan services for consumers, in addition to providing loans for auto dealers to purchase vehicles and operating equipment, and providing guarantees for auto loans and other credit businesses approved by the CBRC. The loan term of an auto financing company is generally 12-60 months, and the down payment is not less than 20% of the sales price of the vehicle, so the guarantee, household registration restrictions and real estate mortgage are exempted, and interest is the only expense. Among them, the public financing interest rate is: three-year interest rate: 6.88% (monthly payment 1 ten thousand yuan is 3 10), and five-year interest rate: 6.99% (monthly payment to 200 yuan). The GMAC interest rate is: 3-year annual interest rate: 6.99% (10,000 yuan monthly payment of 309), and 5-year annual interest rate: 7.33% (10,000 yuan monthly payment of 200). At present, the intermediary guarantee bank mortgage can greatly shorten the review time by borrowing from the guarantee company, the fastest time is only 1 day, and the slower time is only 2 days. Dealers can assume the role of guarantee companies, so that customers can buy cars only through car dealers, who can directly handle loans, insurance, maintenance and other services for customers. It is reported that the biggest problem for car dealers to handle this business before was the lack of personal credit information system. Things are different now. At present, the city's personal credit information system has been established and started to operate, which can quickly review personal repayment ability and credit status. At present, the conditions for the banking system to provide mortgage loans directly from banks are harsh, for example, lenders must have real estate mortgages; Must be engaged in civil servants, doctors, teachers, lawyers and other occupations with stable income; At least 40% or even 50% down payment; Implement a floating interest rate of 10%.

Question 6: Does the loan for buying a car generally pass? As long as the information is complete and the work is stable.

operating procedure

First, the customer submits a mortgage application to the car dealer, and then the guarantee company requires the customer to prepare personal data according to relevant regulations. These materials include: ID card, income certificate, marriage certificate, and copy of residence certificate (household registration or temporary residence permit, etc.). ), house property certificate, driver's license. If the owner is an employee of a state-owned enterprise, a copy of the work permit is required. If the owner is an individual and private household, copies of business license, tax registration certificate, organization code certificate and other relevant documents are also required. Of course, you also need a guarantor with a local account. After the information is fully prepared, the guarantee company will make a door-to-door investigation and report it to the bank after confirming the truth. Finally, banks sign loan contracts with customers.

Guarantee fee

A guarantee company revealed the charging standard to the reporter: the site investigation fee is 300 yuan in the second ring road and 500 yuan outside the second ring road; According to the loan period, the file management fee is charged annually in 200 yuan; After signing the loan contract with the bank, the customer pays the guarantee fee to the guarantee company. The amount of guarantee fee depends on the loan amount and loan term. At present, the loan period for buying a car in Chengdu is generally five years and the loan period is one year. The guarantee fee is 1.4%- 1.6% of the loan amount. The loan is two years, and the guarantee fee is 65438+ 0.8%-2% of the loan amount; The loan is for three years, and the guarantee fee is 2.5% of the loan amount. At present, most car owners who borrow money to buy a car choose a three-year loan period.

Matters needing attention

In addition to the above-mentioned necessary information, there are still some problems to pay attention to: if the customer's account is not in this city, the police station needs to issue a temporary residence permit; For customers who have no real estate, they need a person with real estate as a guarantee; When the customer is in mortgage to buy a house, he should issue a copy of the purchase contract and a repayment passbook; Customers who have real estate but are still processing the property right certificate need a certificate from the relevant real estate company.

In addition, if the customer can also issue academic certificates, deposit certificates, water and electricity payment vouchers, etc. The loan application will be easier to pass.

Buying a car with a loan also involves auto insurance. At present, only the third party liability insurance is compulsory among the types of automobile insurance. However, if you buy a car by mortgage from a guarantee company, in addition to the third-party liability insurance that you must buy, you also need to buy the whole car theft insurance, car damage insurance and special insurance without deductible.

Question 7: Can I get a loan to buy a car? What's the harm if you can? Yes, it is very popular to buy a car with a loan now.

The following are the advantages and disadvantages of buying a car with a loan:

Benefits of buying a car with a loan: the money saved can be used for other investments to get higher returns, and even earn back the "interest" paid for buying a car with a mortgage. At present, some car loans have been lowered by 5%~6%, and most zero-interest loans have now cancelled the household registration restrictions.

Disadvantages of buying a car with a loan: In recent years, the price of a car has dropped by about 65,438+00% every year. Loan to buy a car, two years later, the car price is upside down, but the car loan is "higher" than the market price. In addition, the audit of loan to buy a car is strict, which requires certain necessary conditions and makes people flinch.

Bank car loan. As the mainstream loan method in China, banks have always been the first choice for most car buyers. The biggest advantage of handling car loans in banks is that the interest rate is relatively low. However, the official said that there is not enough manpower, and the bank's procedures for handling car loans are also the most complicated. The speed of the next payment is of course self-evident, and some extra expenses may be added. Of course, if you choose real estate mortgage, the interest rate may be lower. Compared with the traditional unsecured car loan, it can reduce the monthly payment of car buyers.

Question 8: Is it difficult to buy a car with a car loan now? It's not difficult,

1 loan object:1natural person aged 8 to 60 with full capacity for civil conduct.

2. 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; If the purchased vehicle is a used car, the loan amount shall not exceed 50% of the price of the car purchased by the borrower, and the loan amount shall not exceed 200,000 yuan;

3. Loan term: If the purchased vehicle is for personal use, the loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle or a used car, and the loan period is no more than 3 years;

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

5. Guarantee method: To apply for personal car loan, the borrower must provide certain guarantee measures, including pledge, mortgage of the car purchased by the loan, mortgage of real estate, third-party guarantee, etc. You can also buy personal car loan performance guarantee insurance.

6. Application materials to be provided:

(1) Personal loan application;

(2) Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;

(3) proof of household registration or long-term residence;

(4) personal income certificate, family income or property certificate when necessary;

(5) Certificate of intention to buy a car issued by the automobile dealer;

(6) proof of down payment for car purchase;

(7) If the purchased vehicle is secured by other means than mortgage, the relevant materials of the guarantee shall be provided, including the certificate of pledge of rights, the certificate of ownership and evaluation of mortgaged real estate, and the letter of intent for third-party guarantee, etc.

(8) 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, such as the affiliation agreement and lease agreement for the vehicle to be affiliated with the transportation fleet;

(9) The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to purchase a car and a vehicle evaluation report issued by an evaluation agency recognized by the Construction Bank; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.

Processing channels and procedures

1 Handling channel: Personal car loan business is handled through branches of China Construction Bank. In some large and medium-sized cities, the auto finance service center set up by China Construction Bank specializes in personal auto loan business, and the personal loan center is also a professional accepting institution for auto loans.

2. Processing flow:

① The borrower submits the application materials;

② The handling bank conducts preliminary examination of the application materials submitted by the borrower, and conducts credit investigation and customer evaluation on the borrower;

(3) Examining and approving loan applications that meet the loan conditions through preliminary examination and credit investigation;

(4) If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower;

⑤ After the loan contract comes into effect, the handling bank will issue the loan. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.

Question 9: Can I get a loan to buy a car with bad credit? Five points. When banks and auto financing companies apply for loans to buy cars, they need to provide borrowers with credit records in the last two years in addition to corresponding income certificates. If there is a serious overdue phenomenon, it will directly affect the approval of the loan to buy a car.

When a bank accepts a customer loan, the first thing it should do is to check the personal credit record through the bank credit information system and judge whether the applicant is qualified for the loan. If there have been 1 or occasionally two overdue cases with small amount and short term, it can still be negotiated.

If the overdue circumstances are serious, if it is overdue for more than 6 times or more than 90 days in a single time within two years, it will be recognized as malicious repayment by the bank, thus questioning the willingness to repay and eventually rejecting the application for car loan.

Question 10: Can I get a loan to buy a car in advance? Yes, the specific terms depend on the contract signed with the bank. It should be that the interest will not be repaid in the later period, but only the principal will be repaid. I haven't heard of any additional conditions.

Is it easy to pass the car loan review?

It's easy to pass, but it depends.

The process of buying a car with a bank loan is as follows:

1. After the car buyer selects the vehicle to be purchased, he prepares relevant materials and applies for a car loan from the loan bank;

2, the loan bank according to the submitted application materials for review and investigation;

3. After approval, the borrower signs a loan contract with the loan bank;

4. The borrower shall go to the local vehicle management office for mortgage registration;

5. The loan bank issues the loan, and the borrower takes the relevant certificate to the dealer to pick up the car.

Basic application conditions for auto loans:

1. Applicant 18 years old or older, but in some places, applicants are required to be over 23 years old, mainly to ensure the repayment ability of users. Please consult the staff for details.

The applicant must have a stable job and a good source of income. It is best to work in the current work unit for more than half a year to prove that you have the ability to repay the loan principal and interest on time.

3. If the applicant applies for a car loan in a bank, he/she also needs a good personal credit, and there can be no traces of frequent credit inquiry in a short period of time, and other loans or credit cards under his/her name are not overdue.

4. If the applicant borrows money from some auto financing institutions or 4s shops, it is necessary to provide some corresponding certificates, and it is best to have a stable residence where the loan is located.

Analysis on the reasons for the rejection of automobile loans;

1. The applicant's credit information is bad. If you want to apply for a bank car loan, you must ensure that there is no serious stain on your credit record for two years. If the applicant has an overdue record at present, then the application for car loan is definitely rejected.

2. Insufficient repayment ability. Although the threshold of car loan is relatively low, it also needs a stable work income. No matter what banks or lending institutions are most afraid of, they will pay special attention to the repayment ability of lenders. If your application materials show that your repayment ability is not strong, the chances of rejection are relatively high.

3. Banks and lending institutions will also review the borrower's debt when approving the application for auto loan. If your debt exceeds 50% of your monthly income, it will be more difficult to apply for a loan.

Car loans are usually paid.

Car loans are relatively easy to pass, but I hope your personal credit is fine.

For most small partners who want to buy a car, many people will buy a car through installment loans.

In fact, it is not difficult to apply for a car loan, just need to consider your personal credit situation and your debt situation.

If there is a problem with personal credit, it is necessary to give priority to maintaining personal credit information before applying for normal loan products.

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.

The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.

First, car loans need to look at your personal credit information.

When you apply for a car loan, there are two main channels in the market at present:

1 and 1 channels are banking channels, which are more formal and have higher requirements for users' personal credit information. As long as there is no problem with personal credit information, you can apply for automobile mortgage with high probability.

2. The second channel is the offline channel, and many 4S stores will cooperate with offline lending institutions. If your personal credit information can't meet the bank loan demand, you can consider applying for offline loan products, but the annualized comprehensive interest of offline loan products will be higher, and there may be loan routines, so you need to be cautious.

Second, you also need to consider your debt situation.

Liabilities mainly refer to your personal credit information. In each user's personal credit information, the credit information will have the total credit line of the central bank. If your debt level in other loan products and credit cards is high, the bank may reject your request when reviewing your loan information. At the same time, you need to pay attention to your repayment ability. The annualized compound interest of car loans is generally not high, but banks will also comprehensively evaluate your income level.

Finally, I suggest that you check your personal credit information before applying for a car loan, so as to know your real credit situation. If you feel that your credit level is difficult to apply for a car loan, you can find a 4S shop to help you with the relevant loan. Users who have spent a lot of money on credit information are generally unable to apply for car loans.

Is SAIC car loan strictly easy to pass?

As a car loan, SAIC loan is still a good loan. Generally, as long as the credit card has no bad record and is not overdue, it will generally pass if the information is filled in and handed over to the 4S shop. If you have a mortgage, it is easier to get a loan. If the credit card repayment record is never overdue, it can be approved in seconds.

With the increase of consumers' income and the introduction of policies to encourage automobile consumption, family cars are entering the public family at an extraordinary speed. Along with it, car loans are also constantly innovating.

As far as the current automobile loan situation is concerned, all the consumer loan products provided by banks can provide automobile loan services, but the market share of automobile consumer loans is always low. The reason is that car loans are risky and the proportion of non-performing loans is much higher than that of mortgage business.

At the same time, the amount of auto loans is relatively low, but the pre-loan and post-loan costs that banks need to invest are very high, which also makes many commercial banks not interested in this business. The emergence of auto financing companies just meets the market demand.

Generally speaking, the loan form of finance companies is flexible and targeted. The loan interest rate provided by financial companies will generally vary according to the years of car loans, and the interest rate will fluctuate according to the down payment ratio of car buyers. Of course, the usual rule is that the shorter the loan term, the higher the down payment and the lower the loan interest rate.

Let's stop here for the introduction of car loan.