The loan to buy a car was rejected, so you can continue to apply for a car loan in another bank. If it still fails to pass the audit, it is a personal credit problem. It is suggested that in the next six months, personal credit should be cultivated seriously, and there should be no overdue repayment and no credit stain. When choosing a loan scheme, we should not only examine whether the interest rate of different loan terms is high, but also compare our repayment ability.

Reasons for refusing car loans

1. The borrower's qualifications do not match.

When granting loans, banks will focus on the qualifications of borrowers, such as age and work income. Once they do not meet the loan requirements, they will be refused a loan.

Moreover, compared with ordinary loan products, car loans have higher requirements for users. Therefore, everyone must maintain good personal credit and repay in full and on time. After all, the preservation time of bad behavior has been extended from two years to five years. Therefore, if the bank finds that the user has overdue or other dishonest behavior during the audit, it is very likely to refuse to approve the loan.

Second, the loan application information is untrue.

In order to fully understand the borrower, banks generally require the borrower to submit some personal information when applying for a loan, and take it as an important reference factor for approving the loan.

Therefore, in order to improve the success rate of car loans, many friends will optimize their own information, but they don't know that banks will verify it again when lending money. If they find that the information submitted by users is inconsistent with the facts, they will refuse to approve the loan in order to avoid the loan risk.

Does it matter if CITIC Credit Car Loan passes the preliminary examination and changes to a 4s shop?

Have an impact.

After all, passing the preliminary examination of car loan only means that the customer has initially reached the qualification of the handling bank (auto consumption finance company) to handle car loan, and it depends on the final approval result.

After the preliminary examination, the handling bank (auto consumption finance company) will also know the customer's age, work, living conditions, economic income, liabilities, assets and financial level. According to the information provided by the customer in detail, we will know the credit status of the customer by querying the credit report.

Only when it is confirmed that the customer has a stable source of economic income, the ability to repay the principal and interest of the loan on time, and the personal credit is good, the handling bank (auto consumption finance company) will pass the examination and approval of the car loan, and then the customer can sign the contract before issuing the loan funds.

If the customer's latest credit is found to have problems or insufficient repayment ability, the handling bank (auto consumption finance company) will refuse to approve the loan, and the customer will not be able to apply for a car loan.

Review:

The car loan passed the preliminary examination, and the review may not pass. The preliminary examination of car loan only examines whether the loan information submitted by the user is complete. If the loan information is complete, it is deemed to have passed the preliminary examination. Review is to review the authenticity of loan information. At this time, if the user does not meet the conditions for applying for a car loan, it will be rejected after the review. Therefore, the user's application for a car loan can only be considered successful if it has passed the examination.

In addition, after the car loan has passed the preliminary examination, users had better not apply for other credit business during this period, so as not to affect the audit.

Can I change to a 4s shop if my car loan is rejected?

Well, you must first understand the reason why you were rejected.

1. If there is any problem with personal credit, such as non-malicious small overdue, I suggest you communicate with the dealer and apply for other financial channels. If another bank card is rejected, it may be that there are too many useless credit cards. You can check the overdue records on the credit information.

2. If there is a problem with personal qualifications, in this case, it is recommended to increase the down payment or increase the number of co-lenders to improve the chances of passing.

3. It is definitely not feasible to change to a 4s shop. Or have a major with a high bank pass rate. If the borrowers are civil servants, employees of enterprises and institutions, teachers, lawyers, doctors and other well-known enterprise employees, the difficulty of obtaining car loans will be much reduced.

Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.

The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.

In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.

And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.

The specific steps of buying a car by credit card in installments are roughly as follows:

1. The cardholder (or applicant) calls the bank's credit card center or goes to the local bank to find out whether he can apply for a credit card car loan.

2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it.

3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.

4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance.

Finally, I can drive the car away smoothly.

loan limit

The maximum loan amount generally does not exceed 80% of the price of the purchased car.

Letter of credit clause

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 material

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

2. Proof of occupation and economic income, and running list of personal accounts in recent 6 months;

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

4. Other documents required by the cooperation agency.

Treatment process

First of all, the lender needs to prepare ID card, residence certificate, work certificate, loan use certificate and other supporting materials, go to a bank, fill out an application form and fill out a contract.

Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If the loan is unsecured, there is no need to sign such a contract.

Secondly, banks issue loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.

Finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.

What if the car loan fails?

1. Failure to pass the car loan means that the loan conditions do not meet the requirements of the bank, so you can't apply for a car loan for the time being, and you can only consider a one-time payment or not buying a car for the time being.

Two, the main reasons for the approval of auto loans are as follows:

1, down payment

To apply for a car loan, the borrower must be able to pay the down payment for the car loan. At present, according to the regulations, the borrower must have at least 30% of the total value of the car as a down payment.

2. The borrower's income

If the borrower has a stable job or income, it is easy to apply for a car loan. If the monthly income of the borrower is unstable, the application for car loan will be affected.

3. The borrower's credit

The borrower's good credit will be conducive to applying for a car loan. And if the borrower's credit is not good, it will directly affect the loan application. In serious cases, the loan will be refused on this ground.