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The borrower applying for a car loan must have the same name as the owner. If the loan applicant writes someone else's name, then the owner can only fill in someone else's name.

In order to apply for an automobile consumption loan, you must buy a car in a limited range from a special dealer recognized by the bank. To apply for an automobile consumption loan, the car buyer must also meet the following conditions:

(1) The car buyer must be at least 18 years old and a China citizen with full civil capacity.

(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, so as to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.

(3) During the loan application period, the car buyer shall deposit no less than the down payment stipulated by the bank in the account of the bank savings counter.

(4) provide bank-recognized guarantee. If the individual account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased with the loan.

(5) Car buyers are willing to accept other conditions that the bank deems necessary.

Extended information

Personal loan conditions

1. A China citizen who has a fixed residence, a permanent residence or a valid residence certificate at the place where the loan bank is located, is under the age of 65 (inclusive) and has full civil capacity;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and have no bad credit record;

4. It can provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose complies with relevant regulations;

6. Open a personal settlement account with ICBC;

7. Other conditions stipulated by the bank.

matters needing attention in car loan

1. Bank loan

Bank car loan can be said to be a loan with the lowest interest rate except housing loan, and the interest rate is generally between 3% and 4%. Generally speaking, the required procedures are more complicated. In addition to ID card, driver's license and bank card, it is also necessary to provide information such as property certificate and running income certificate.

2. Manufacturer Finance

GMAC SAIC Finance, BMW Finance and FAW Automobile Finance are well-known in China. These financial companies face their own brands, not mainly for making money. Like many brands, there are interest-free policies, such as Chevrolet Covotz's interest-free 44,, Sylphy's interest-free 4, for two years, and Lei Ling's interest-free 5% for two years.

reference Baidu encyclopedia-loan to buy a car