In fact, there are alternative information about the procedures for buying a car with a loan. Otherwise, banks will also lose many high-quality customers. Banks can provide the following information:

1, ordinary passbook can replace bank flow;

2. Fixed or fixed deposit certificates can replace bank running water;

3. In some large enterprises, the salary will be posted on the internal salary card, but there is no detailed record in the bank. As long as you can print out the details of the card, use the company's seal, and then work permit and salary slip;

4. You can use the running water under the name of husband and wife to prove the repayment ability between husband and wife, which is recognized by banks and auto financing companies;

5, the bank flow between father and son is ok. For example, if a son borrows money to buy a car and has no running water, he can provide his father's usual running water as a borrower or guarantor.

6. If you have your own business license, you can use commonly used import and export documents, bills of lading, and business-related documents within the validity period instead of commonly used running water;

7. Auto financing companies will have looser requirements for loan procedures than banks. The purpose of providing bank running water is to prove whether the repayment ability is sustainable and stable. If you open a shop without a business license, you can provide a photo of the door, a house lease contract and an agency contract.

8. Proof of property under the name of an individual can also be provided, such as providing the driving license and invoice of his own car and providing the road transport employment certificate.

Second, do you need a bank loan to buy a car mortgage?

need

Information required for loan to buy a car:

1, personal loan application;

2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. Borrower;

3. Household registration certificate or long-term residence certificate;

4, personal income certificate, provide proof of family income or property when necessary;

5. Certificate of intention to buy a car issued by the car dealer;

6. Loan to buy a car down payment certificate;

7. Commitments in other ways than mortgage of purchased vehicles, including pledge of rights and letter of intent for third-party guarantee;

8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide a vehicle that can be legally linked to the transport fleet.

9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report approved by the Construction Bank; Vehicle ownership certificate of the vehicle seller, motor vehicle registration certificate of the traded vehicle and annual inspection certificate of the vehicle.

Extended data:

According to the automobile loan management office

Article 6 The loan term of auto loan (including extension) shall not exceed 5 years, and the loan term of used car loan (including extension) shall not exceed 1 year.

Article 11 A lender shall establish a borrower's credit file, which shall include the following contents:

(1) The name, address, valid identification and effective contact information of the borrower.

(2) Proof of the borrower's income level and credit status;

(,model, engine number, frame number, price, purpose of car purchase;

(4) The amount, term, interest rate, repayment method and guarantee of the loan;

(5) loans

(six) other necessary to prevent loan risks.

Article 12 In addition to the contents stipulated in Article 11 of the Personal Law, the lender shall add the annual inspection and business of the commercial vehicle operation qualification certificate to the borrower's credit file.