Have repayment ability and good credit information, and can handle it. Process of handling mortgage car loan:

1. Choose a car at a special bank dealer and sign a car purchase agreement or contract;

2. The borrower applies to the loan bank for personal automobile mortgage;

3. Sign the contract with the consent of the investigation;

4. Go through the formalities of notarization and mortgage of automobiles;

5. Bank loans;

6. After the loan is paid off, the pledge certificate shall be cancelled and returned to the customer.

Second, can I still get a loan with a car loan?

Having a car and a house is a dream life for many people, but many people can't pay in full, so they can only seek mortgages from financial institutions such as banks to buy a house. Then, after paying off the car loan first, can I still apply for a loan?

Can I get a car loan?

Whether there is a car loan depends on the actual situation of the lender. What kind of loan does the applicant want to apply for, how many loans, and how long is the loan application period? If the applicant's personal qualifications are not bad, he can get a loan.

For example, if the applicant has a car loan and then applies for a credit loan of 40,000 yuan, the applicant's monthly income is 20,000 yuan, and the car loan that needs to be repaid every month is only 2,000 yuan. As long as the applicant's personal credit is good, there is no overdue situation and no other debts, then the probability of obtaining a credit loan is very high.

Of course, this is also inseparable from the loan institution chosen by the applicant. Banks have always had high requirements for applicants and strictly controlled the applicant's asset-liability ratio. The asset-liability ratio exceeds 40%, and banks will hardly consider lending.

If conditions permit, the borrower should arrange the loan amount reasonably. In addition, borrowers can also consider applying for loans from loan companies. Compared with banks, the loan conditions of loan companies are much looser and the chances of loan success are greater. But the cost of loans is much higher than that of banks. Therefore, it is necessary for borrowers to make repayment plans before applying for loans.

3. Can I get a car loan from the bank?

With a car loan, you can generally go to the bank for a loan.

If you have a car loan, you can apply for other loans, such as mortgage and consumer loans. As long as the applicant 18 years old or above, the applicant's credit status is good, the applicant provides legal identity documents, and the applicant has enough repayment, he can apply for a loan.

First, housing loans, also known as housing mortgage loans.

Property buyers fill in ID cards, income certificates, house sales contracts, letters of guarantee and other documents that must be submitted for mortgage. To the loan bank, and the loan bank promises to lend money, and according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer, handle the real estate mortgage registration and enter the bank account within the prescribed time limit.

Second, the housing loan application materials

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

3. Consumer loans, also known as consumer loans, are loans issued by commercial banks and financial institutions to consumers on the basis of consumer credit for purchasing durable consumer goods or paying other expenses.

It has the characteristics of wide consumption purposes, high loan amount and long loan period.

High risk, high return, cyclical (long-term), interest rate is not.

Raising the interest rate of personal consumption loan not only increases the burden of personal consumption loan, but also runs counter to the macro goal of expanding domestic demand and transforming China's economic development model.

4. Can I get a car loan if I want to buy a house?

Print personal credit report in the Credit Information Center of China People's Bank, and inquire personal bad credit records. The general car loan is three years. Look at your overdue situation and count your overdue times in the last 24 months, that is, the cumulative overdue times and the highest continuous overdue times. The credit review requirements for applying for bank mortgage loans are less than 6 and 3 in the last 24 months. As long as this figure is not reached, you can apply for a mortgage loan. If it exceeds this number, there are still ways to deal with it, but it is generally applicable to second-hand housing mortgage, and the wholesale business type of first-hand housing bank may not be applicable. Please contact a powerful local loan agent.

I am a loan agent in Chongqing.