At present, there are generally four ways to apply for a car loan: apply for a car loan, loan first and then choose a car; Buy a car with a credit card, choose a good model, then ask for an increase in the credit card limit to pay the car price, and then repay it monthly; You can also go to the car dealership to choose a car, and then apply for a car loan from the auto financing company, but there may be restrictions on the models; You can also go to a financial leasing company, that is, someone else buys the car first and then gives it to you. You pay back the money regularly until you pay it off, and the car is yours. In fact, it is a car mortgage.

Automobile loan loan conditions:

1. Have valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender.

6. Other conditions stipulated by the Cooperation Organization.

Application materials:

1. Original ID card, household registration book or other valid proof of residence, and provide its copy;

2. Proof of occupation and economic income;

3 car purchase agreement, contract or letter of intent signed with the dealer;

4. Other documents required by the cooperation agency.

The down payment is generally 30%, and the interest and monthly payment need to be calculated according to the down payment and the bank interest rate.

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