1. Valid ID card: the original and photocopy of the ID card of the lender and its spouse (if single, single certificate is required). If it is lost, invalid or cannot be produced under special circumstances, some banks will accept temporary identification.
2. Hukou Book: the first page of Hukou Book and the lender page.
3. Marriage certificate: marriage certificate or divorce certificate (divorce agreement or divorce judgment notarized by notary office). Generally both husband and wife need it.
4. proof of residence: recent 3 years or temporary residence permit.
5. Work certificate: the work (and income) certificate stamped by the unit, and the enterprise legal person provides credit for business difficulties, except personal loans.
6. proof of income: information that can prove your monthly income, the bank needs to verify your repayment ability.
Second, what information do you need to prepare for car loan?
If you apply for a China Merchants Bank card, there are two kinds of personal car loans that can be handled by our savings card at present:
1. Consumer loans are used to buy a car, and you need to apply for a mortgage with a property with full property rights. If you meet the requirements, you can directly contact the personal loan department at the counter of China Merchants Bank to apply for your loan. The handling bank needs to examine your situation in detail to determine whether it can be handled.
2. Personal car loan, you need to apply for mortgage with the purchased car. If you have seen the car you need to buy through the car dealer, you can confirm whether you have cooperation with China Merchants Bank through the car dealer. If not, you can try to contact the personal loan department at the counter of China Merchants Bank directly to apply for a loan for you. The handling bank needs to examine your situation in detail to determine whether it can be handled.
If credit card is used for car installment: We mainly distinguish the installment application methods and application materials to be submitted by different cardholders according to their card performance (such as card holding time, consumption habits, fixed amount, etc.). ), professional status, income, etc. If you are interested in buying a car in the near future, please call Chebuyi: 4008855855 two weeks before buying a car.
Third, what do you need to buy a car with a loan?
Conditions for loan to buy a car:
1, with full capacity for civil conduct.
2. Have permanent residence and valid residence status in the region.
3. The vehicle mortgage lender must have a fixed unit occupation and long-term stable income.
4. The vehicle mortgage lender has no bad criminal record and loan credit record, and the social credit is good.
5. The vehicle mortgage lender must be married, aged 22-55, and the female must not be over 50 years old. Unmarried people need to provide an irrevocable joint guarantee from a third party (the requirements of the third party guarantor are the same as those of the lender). The down payment must be above 20%, which may be increased according to the requirements of the unit you apply for a loan, generally 30%.
Extended data:
The borrower pays the car dealer the down payment or the full amount. There are two situations here: Mode 1 and Mode 2. When customers pay the down payment, they need to go through the formalities of picking up the car with the passbook and the car pick-up slip issued by the bank, and give the car a license.
After completing the license, hand over the vehicle production certificate, invoice, insurance policy, driving license, ID card and household registration book to the bank. After the mortgage, the bank will return the driving license and ID card account book. If you use the model 3 loan to buy a car, the customer only needs to withdraw the loan issued by the bank and go directly to the 4S shop to pick up the car. The driving license and ID card account book after the card is licensed do not need to be mortgaged to the bank.