According to the regulations, low-income households cannot borrow money to buy a car. Low-income households refer to families who have lost their labor force due to severe disability or illness of their family members and enjoy the minimum living allowance. Residents whose housing or income is significantly lower than the local minimum living standard. If you have the ability to borrow money to buy a car, you will not be called a low-income household.
Can I get a loan to buy a parking space?
You can apply for a loan to buy a parking space. Different banks have different requirements for garage parking loan business. Generally speaking, the requirements are relatively basic. Customers with age, stable income and good credit information can apply. However, it should be noted that some banks require customers applying for parking loans to apply for first-hand housing loans at the same time.
Third, the precautions for buying a parking space
(1) Parking space: Simply put, a parking space is enough space for car parking. Generally speaking, the size of each parking space in the garage will not differ much, basically according to the specifications and standards, but the parking spaces in different positions, different parking methods and different positions are slightly different under the premise of different vehicle sizes.
(2) Safety considerations for parking and driving: Safety considerations include avoiding pillars, corners and intersections, and choosing spacious areas radiated by monitoring equipment. On the one hand, these locations can ensure convenient parking and driving out. On the other hand, parking in an unmonitored blind area can also avoid theft, and evidence can be obtained effectively in case of an accident.
(3) Parking space purchase and management costs: buying a car is the same as buying a house. The advance payment is not the final payment, and there are fees to be paid later. For example, parking management fees, vehicle management fees, and the purchase of parking spaces is different from the purchase of houses, parking spaces can only use commercial loans, and even some developers will require the full purchase of parking spaces. Parking spaces, like houses, have to pay taxes such as deed tax. These expenses should be calculated clearly when buying a parking space, and the cost should be considered.
(4) Location of parking space from home and garage entrance: The requirement of this note is that the closer to home, the better, and the closer to the garage exit. The reason for this is to save the time wasted by parking. After all, there are so many vehicles now, the parking spaces are tight, and the phenomenon of parking and misplacing is inevitable. In order to exercise effectively and not waste too much time, this item is necessary.