Of course. Car loan is just a kind of consumer loan, just like personal loan, provident fund loan and enterprise loan. Therefore, the car loan is in the Agricultural Bank of China, and you can also do other things in the Agricultural Bank of China.
2. Can I apply for a car loan?
It depends on the requirements of small loan companies. It is recommended to go to the People's Bank to make a personal credit report to see if there is a car loan record. If you already have a credit record, apply to a small loan company.
3. Can I get a car loan?
You can continue to borrow if you have a car loan. As long as the lender's car loan is not overdue and other conditions meet the requirements of the lending institution, it is still possible to apply for a loan again. If the car loan is overdue, it will be very difficult to apply for another loan. Although the car loan is not overdue, it will not be directly rejected by the lending institution. However, some lending institutions will require the lender to settle the car loan in advance, or raise the income requirements for the lender. Car loans will still affect other loans more or less. Extended data:
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. 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, the car loan of individual auto financing companies also needs to bear the supervision fee, fleet management fee and warranty renewal deposit. 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 are roughly as follows: 1. The cardholder (or applicant) calls the credit card center of the bank 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.