It can be bought with a mortgage loan. The down payment is 30%, the annual interest is about 6%, and the longest repayment period is 5 years. You can apply for a credit loan without mortgage or guarantee, but proof of salary is required. The application conditions and application materials for the Easy Car Loan are as follows, and the frequently asked questions are as follows - 1. The application conditions for the Easy Loan for Cars (1) Have a valid identity certificate and full capacity for civil conduct; (2) Be able to provide proof of a fixed and detailed address; (3) ) Have a stable career and the ability to repay the principal and interest of the loan on time; (4) Have good personal social credit; (5) Hold a car purchase contract or agreement recognized by the lender; (6) Other conditions stipulated by the cooperative agency. 2. Application materials for Easy Loan for Car Purchases (1) Original ID card, household registration booklet or other valid residence documents, and provide their copies; (2) Proof of occupation and economic income; (3) Car purchase agreement, contract signed with the dealer, or Letter of intent to purchase a car;