Nowadays, more and more people buy cars, and some old car owners also have plans to change cars, so borrowing money to buy a car has always been a hot topic. In 20 19, there were many new policies in the financial industry, and there were also some changes in the aspect of loan car purchase. Today, I will briefly introduce the precautions for buying a car with a 20 19 loan, hoping to help everyone.

1, buying a car in a different place

Nowadays, many people work and live in other places, and sometimes they choose to buy a car locally for convenience. In the process of applying for a car loan, there are certain requirements for the applicant's household registration and real estate. If you are not registered in this city and have no real estate in this city, it will easily lead to the rejection of your car loan application. For these questions, please ask the staff of 4S shop in advance, so as to understand clearly before buying a car and avoid trouble.

2. Loan down payment

0 down payment is an attractive gimmick, and many users with insufficient funds will be attracted by this advertisement. However, we should note that there are many preconditions. For car buyers with normal loans, if they want to successfully approve car loans, the down payment should be as high as 40% or more of the car price.

3. Personal qualifications

Although the threshold for buying a car by loan is very low at present, it does not need too much information and conditions, which is necessary for the applicant's repayment ability. You need to provide a valid income certificate or bank account to prove your repayment ability to the lending institution.

4. Personal credit information

Formal lending institutions need to inquire about the applicant's personal credit information, because they can judge the applicant's willingness to repay from the personal credit information. If there are overdue records or other bad records in the credit information, it will easily lead to the final loan application being rejected.