Having a car loan does not affect the loan: 1. In principle, no matter what kind of loan application, you can apply for a loan as long as it meets the requirements of the loan and prepares complete information to prove that there will be no influence between products; 2. But in the actual loan process, the same applicant applied for a car loan, and then applied for a mortgage loan. In addition to considering whether your loan requirements are met, lenders should also consider more. One question is whether your repayment pressure can repay 2,000 yuan of car loan and 3,000 yuan of mortgage every month. 2, that is to say, in fact, the car loan will not affect the mortgage, but the premise is that you need to provide sufficient proof of repayment ability. For example, the monthly payment of car loan and mortgage mentioned in the above example is as high as 5000, so your income is above 10000, so it doesn't matter. Otherwise, this standard will not be reached.

Can I still get a loan after I got a loan on my car?

Of course. If you have a car loan, you can continue to apply for a loan. Whether it can pass the examination and approval mainly depends on the specific conditions of the lender. Under normal circumstances, as long as the lender has good personal credit, high personal income, can repay all loans on time and low personal debt ratio, then the probability of loan approval is great.

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car.

The actual interest rate of car loan is set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. There are three types of car loans: direct, indirect and credit card. The term of car loan is generally 1-3 years, and the longest is no more than 5 years.

Potential borrower

The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.

deadline

Term of automobile loan

The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.

loan rate

benchmark interest rate

According to the regulations of the central bank, the benchmark interest rate is implemented for auto loans, but financial institutions can float within a certain range of the benchmark interest rate. The term of auto loans in major banks is generally less than five years, and the interest rate of auto loans directly determines the cost of people's loans and becomes an important factor in determining whether people lend.

How to calculate the car loan interest rate

Calculation formula of monthly car loan: a = p (1i) [(1i) n-1]/n 2/i.

A: Monthly contributions.

P: total donations

I: monthly interest rate (annual interest rate/12)

N: Total months of contribution (year × 12)

Type of automobile loan

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.

Can I still get a loan if I have a car loan

First of all, answer directly.

There is a car loan in the name, and users can apply for a loan.

Second, the specific analysis

There is a car loan under the user name, which means that the user has certain debts, but as long as he has enough repayment ability, he can apply for other loans normally in the future.

Moreover, the user can successfully apply for a car loan, indicating that the user's personal credit qualifications are excellent. If he applies for other loans, the probability of passing the loan review will be greater.

Car loan is not a long-term loan, so it will not affect the repayment ability of users for a long time. When applying for a loan, users can try to apply for a loan with a shorter loan period.

Online loan users can also check their credit qualifications by docking third-party big data risk control platforms, such as Beijian Quick Check and Sesame Credit. The former has established data cooperation with more than 98% online lending institutions in the market, so its query results are very accurate. Intuitively, you can not only know your own big data and credit situation, but also get various indicator data. The blacklist data of online loans is shared by most loan platforms, which means that if the borrower fails to pay back the money on one platform, such bad records will also be made public on other loan platforms, so everyone must be careful to maintain their online loan credit, otherwise they will not be able to obtain online loan products with good personal credit when they encounter economic crisis again.

3. How many days can the car loan last?

The car loan can't be overdue because there is no grace period for the car loan. After applying for a car loan, the lender must remember to repay the loan on time. Even if the repayment is made one day after the repayment date, it will be overdue, which will affect personal credit information and will be charged a penalty interest by the bank.

Under normal circumstances, it is impossible to postpone the repayment of car loans. If the lender misses the repayment date, it is overdue. The loan contract also stipulates what responsibilities the lender will bear after the deadline. If the lender is overdue for too many times, the lending bank has the right to terminate the loan contract in advance and require the lender to repay all the loans in one lump sum.

For many institutions, the lender's car loan can be paid off in advance, and there is not necessarily a handling fee for repaying the car loan in advance. Of course, this is subject to the provisions of the lending institutions. If the economy allows, it is also a good choice to choose to repay the car loan in advance.

After the car loan is paid off, the lender must retrieve the motor vehicle registration certificate in time, and then go to the vehicle management office with the certificate and related materials to go through the formalities of car release. Only when the vehicle is released can it be truly said that the vehicle belongs to itself.

So much for the introduction of car loans and loans.