If you don't have a full loan to buy a car, you can take out a loan in the form of a commercial loan, and then use the money to buy a car, but for one thing, the interest is high, and for another, many banks require you to provide an invoice for the purpose of the loan. After all, you still have to buy a car. Cars are devalued consumer goods, and banks generally don't lend money to borrowers for this purpose.
Second, how to buy a car with a full loan?
1. Full loan can't buy a car. The People's Bank of China has made clear regulations. The minimum is 20%, except ABC, and 10% shall be implemented. But now banks are basically 30% in order to control risks. Generally speaking, automobile mortgage needs two kinds of mortgage: ID card, household registration book, real estate license, marriage certificate and income certificate, which are generally the five types of information.
Third, how to get a full loan to buy a car?
The process of buying a car with a full loan is as follows:
1. Customers go to the bank outlets for consultation, and the outlets recommend special dealers who have signed cooperation agreements with CCB on automobile consumption loans;
2. Go to the dealer to choose the car to buy and sign a car purchase contract or agreement with the dealer;
3. To apply for a loan at a bank outlet, the materials required are:
Individual: loan application; Valid identity documents; Proof of occupation and income and basic information of family; Car purchase contract or agreement; Certificates or documents required for the guarantee; Other conditions stipulated by the lender.
Legal person: loan application; Business license of enterprise legal person or business license of enterprise legal person; The legal representative and his supporting documents; A loan certificate issued by the People's Bank of China; The financial report of the previous year and the balance sheet, income statement and cash flow statement of the previous month audited by the accounting (auditing) firm; List of mortgaged property and pledged property, and proof of consent to mortgage and pledge. The mortgaged property must also submit the certificate of ownership or use right, appraisal and insurance documents, and the pledged property must also provide the certificate of right and the certificate that the guarantor agrees to guarantee; Other conditions stipulated by the lender.
The borrower shall take full responsibility for the authenticity and legality of the materials provided.
After accepting loan applications, banks have the right to investigate the credit status of borrowers and guarantors. If the loan conditions are not met, the bank will notify the borrower within 15 working days after accepting the loan application; For those who meet the loan conditions, the bank will put forward specific opinions such as loan amount, term and interest rate, promptly notify the borrower to go through the loan guarantee procedures, and sign the Automobile Consumption Loan Contract.
The borrower shall take out collateral insurance with the insurance company designated by the bank in advance, and indicate in the policy that the first beneficiary is China Construction Bank, and the insurance period shall not be shorter than the loan period.
The bank issues the notice of automobile consumption loan to the dealer, and the borrower pays the down payment to the dealer at the same time.
After receiving the notice of automobile consumption loan and the receipt voucher, the dealer will assist the borrower to go through the formalities of payment and license collection in relevant departments, and directly hand over the car purchase invoice, the original payment voucher and the copy of the driving license to the bank.
If the borrower uses the purchased car as collateral, its insurance policy, car purchase invoice and other documents shall be kept by the bank during the loan period. During the contract period, the bank has the right to supervise the borrower's income and collateral, and supervise the guarantor's reputation and compensatory ability, and the borrower and guarantor should provide assistance.
Four, how to get a car loan from China Bank, what conditions are needed, and what process?
To apply for personal car loan of BOC, the following conditions must be met at the same time: 1, a natural person who has reached the age of 18, has full capacity for civil conduct, holds valid identity documents that meet the regulatory requirements, and has a fixed and detailed address; 2. People's Republic of China (PRC) citizens with permanent residence in China, or Hong Kong, Macao and Taiwan residents and foreigners who have lived in People's Republic of China (PRC) for more than 1 year (including 1 year) and have their own property in the place where the loan is applied; 3. Personal legal assets with sustained and stable legal income or sufficient to repay the loan principal and interest, and the ability and willingness to repay the loan principal and interest on schedule; 4. Personal credit status is good, and there is no bad credit record in BOC and its peers; 5. Being able to pay the down payment for car purchase that meets the requirements of laws, regulations, regulatory provisions and these Measures; 6. Provide effective guarantee recognized by China Bank; 7. The purpose of the loan is clear and legal, and it can provide a car purchase contract, agreement or letter of intent approved by BOC; 8. You need to open a deposit account with BOC before handling the loan; 9. If entrusted payment is adopted, valid counterparty account information shall be provided. To meet the conditions of independent payment, you need to submit personal account information; 10. Comply with laws, regulations, regulatory requirements and other conditions stipulated by Bank of China. Information to be provided: 1, loan application (including the borrower's name, address and effective contact information); I have valid identification materials. Married customers need to provide proof of spouse's identity and marital status; 3. Proof of income/assets; 4. Credit inquiry authorization (married customers including spouses); 5 car purchase agreement, contract or letter of intent signed with the dealer; 6. Certificates or documents required for guarantee (originals and photocopies are required), including but not limited to car purchase invoices and motor vehicle registration certificates; List of mortgaged (pledged) items and the certificate (signed by myself) that the person who has the right to dispose of it (including the property owner) agrees to mortgage (pledge); Certificate of ownership or use right of mortgaged property issued by the competent department, certificate of value of mortgaged property, and document that the borrower agrees to handle insurance for the vehicle (if necessary); Pledged goods shall be delivered with pledged goods or rights certification documents (if necessary); Basic information and financial proof materials of the guarantor, the guarantee contract (if necessary) and relevant credit proof materials for agreeing to perform joint and several liability guarantee; Certification documents that meet the credit conditions of unsecured consumer loans (when necessary); 7. Relevant certificates that the down payment has been paid; 8. Other documents required by China Bank. For details, please consult the loan handling bank of China. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
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