Is it easy for banks to approve car loans?

Applying for a car loan is very simple. As long as you have sufficient repayment ability and no serious overdue records on your credit report, it is usually When you apply for a car loan from a bank, you can get it approved. It is not particularly difficult to apply for a car loan at the bank, because most banks carry out various loan businesses, because only the lending bank can make money, so in In this case, banks very much welcome various forms of loans, especially loans for consumption, which are easier to apply for at banks!

(1) What are the conditions required for banks to apply for car loans

If you want to know whether it is easy for a bank to apply for a car loan, then you must first take a look at the conditions that need to be met when applying for a car loan at the bank. First, you must be over 18 years old and have full civil conduct. Of course, you must also ensure that you have no serious overdue records on your credit report, and you must not be blacklisted by the bank. In addition, you must also have sufficient repayment ability before the bank will apply for a loan for you!

(2) What certificates are needed for a bank car loan?

When applying for a car loan at a bank, in addition to meeting the conditions mentioned above, you must also submit various For various supporting documents, first of all, you must have your own identity certificate. On the other hand, you must also provide proof to prove your marital status and income. Record certificates must also be submitted. You can submit your household registration book or A residence permit and, of course, a driving license are also required!

First, the process of buying a car with a bank loan is as follows: 1. After choosing the vehicle to buy, the car buyer prepares relevant information and applies for a car loan to the lending bank application; 2. The lending bank will conduct review and investigation based on the submitted application materials; 3. After passing the review, the borrower and the lending bank will sign a loan contract; 4. The borrower will go to the local vehicle management office to complete the mortgage registration procedures; 5. The lending bank The loan is issued and the borrower goes to the dealer to pick up the car with relevant certificates.

Second, bank car loans are the same as real estate mortgage loans, that is, customers can directly apply for a loan from the bank while paying the down payment when buying a car. Choose your favorite car and sign a car purchase contract with the dealer.

Third, submit a loan application to the bank, submit the application materials, and go to the bank to handle the loan business with the application materials such as identity document, work certificate, income certificate, residence certificate, and car purchase contract.

Fourth, after passing the review, the car buyer will sign a contract with the bank, and the bank will lend money to the dealer's account. The car buyer will pay the down payment, pick up the car, and go through the vehicle inspection and registration procedures. Customers only need to repay the loan in full every month.

Is the process of buying a car with a loan complicated?

The process of buying a car with a loan is not complicated at all. It is very simple: 1. First go to the 4S store to determine the car you want to buy and set the price. 2. Then determine the percentage of the down payment based on your actual situation. It can be 30, 40, or 50. This percentage is the price of the car multiplied by this number, and the remaining part is the bank loan; 3. Provide personal ID card, marriage certificate, real estate certificate (if not, a valid formal rental contract is also acceptable). Provide bank statements for the past six months, as well as proof of income. It would be better if you find a person or unit to guarantee it. The loan will be released in about 3 working days. After the loan is released, you can take the car purchase invoice to pay the purchase tax, and then go to the vehicle management office to register and register.

Is it easy to get a loan to buy a car?

Question 1: Is it good to get a loan to buy a car? It is not cost-effective to borrow money to buy. There are two types of loans. One is to borrow money from a bank, and the other is to get a loan from a car sales company or a finance company. If you get a loan from a bank, it is okay, but if you get a loan from a finance company, it is not worth it. Buying like that There are too many conditions imposed on you. It’s better to save for a while and buy it in full. If the difference is not too much, you can borrow it from friends!

Question 2: Is it good to buy a car with a loan? What are the advantages and disadvantages? Let me give you an example. I bought a new Chevrolet Sail 1.4 ideal version with a down payment of 30% and a 5-year mortgage: the car price was 64,800 yuan, the purchase tax was 4,153 yuan, and I paid 4,320 yuan for full insurance.

A down payment of 30% (car body price 648,000.3 = 19,440 yuan), plus registration fees, taxes, and first-year full insurance, etc., resulted in a total payment of 32,000 yuan per month (car price included). The monthly payment is 1,035 yuan for five years, and the insurance must be fully insured every year for the remaining four years. Now the monthly gas cost is about 500 yuan (I don’t drive much to and from get off work), and maintenance is done every 5,000 kilometers. It’s been exactly one year since I bought the car, and it’s now 10,000 kilometers. I did two maintenances in one *** , the first insurance is free, and the second maintenance costs 500 yuan (including labor hours).

I don’t know how many years you want to take the mortgage. Mine is already 5 years old and has been capped. Now I can only get a mortgage for 5 years at the longest. The shorter the mortgage term, the lower the interest rate.

I feel that if you don’t have too much financial burden (such as children, house mortgage, etc.), you can still buy this car. After all, it is good to have a car, such as occasionally traveling far away with friends, You no longer have to worry about wind and rain when you go out. You can turn on the heater in winter, turn on the air conditioner in summer, etc. All in all, I feel like it was money well spent.

To apply for a loan, you must have a real estate certificate. If you don’t have one, you must find a guarantor who has real estate to guarantee you. You also need to show proof of your income. Your monthly salary must be in the range of 2 times to 4 times the monthly repayment amount.

There is no bad bank credit record, such as a credit card record of your repayment, etc.

4S stores also charge a handling fee of 2,000 to 4,000 yuan.

Question 3: Is it better to pay a lump sum or take a loan to buy a car? Generally speaking, a lump sum payment is easier and more economical than installment payments. But as you said, it takes about half a year, so it will be exactly before the year. During the peak car buying period, car prices are higher than usual and many models have to wait in line. You may not be able to pick up the goods at that time, so I suggest you buy now. The car prices are low and you don’t have to wait. By August 15th and the Chinese New Year, it is convenient to travel and give gifts and save face. As for the car model and procedures, they are both simple. You can know everything by visiting two 4S stores.

Question 4: Is it easy to get a bank mortgage to buy a car? Nowadays, many people have become more aware of the concept of enjoying the car first and paying back later. Many young people will think of getting a car loan when they plan to buy a car. The following is a detailed explanation of the procedures that need to be completed when buying a car with a loan. First of all, you need to understand the basic conditions for applying for a personal car loan:

A citizen who is over 18 years old and has full capacity for civil conduct;

Have a legal identity document, a local permanent residence or Valid residence document.

These are the basic conditions for applying for a car loan. Let’s take a look at the specific procedures required to buy a car with a loan.

The process of applying for a loan to buy a car:

1: The borrower submits loan application materials to the bank;

2: The bank processes the application materials submitted by the borrower. Preliminary review;

3: The bank conducts a credit investigation and customer evaluation of the borrower;

3: The bank approves loan applications that pass the preliminary review and credit investigation and meet the loan conditions;

p>

4: If it passes the examination and approval, the borrower will be notified to go through relevant procedures such as contract signing, loan, mortgage or pledge; if it does not pass the examination and approval, an explanation must be given to the borrower;

5: Loan contract After taking effect, the handling bank will issue the loan. A special lending method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the account of the dealer where the borrower purchases the car.

What you need to know when applying for a loan to buy a car:

1

What you need to know when applying for a loan to buy a car: Interest-free car loan handling fees are not exempt

Nowadays, many auto finance companies have launched interest-free car loans, but they have different regulations on handling fees. Some need to charge handling fees, and some do not charge handling fees. If the car model you want to buy is interest-free and free of handling fees, it is relatively affordable. If you need to charge handling fees, you must carefully calculate and measure it. The handling fee for a car loan is generally between 4-7% of the total car payment, and the handling fee is paid at the same time as the first monthly payment. If the handling fee is too high, you may wish to consider other types of car loans.

2

Things you need to know about buying a car with a loan: Read the relevant insurance terms carefully before applying for a car loan

Applying for a bank loan to buy a car means that you will not be able to pay back the car before it is repaid. Before clearing the bank loan, the car was mortgaged to the bank. In order to reduce risks, banks generally require the purchase of some car insurance as a condition of the loan in the car loan contract. The premiums of these insurances may not fully meet your requirements, and may even be too high, so when applying for a car loan, you must carefully read the relevant insurance terms and weigh the cost of the car insurance.

3

Three things to know about car loans: There are restrictions on zero-interest loans to buy cars

Many car manufacturers will cooperate with car loan institutions to launch zero-interest loans to buy cars. The activity of buying a car with an interest rate loan is generally only available for mid-to-high-end models. However, when buying a car with a zero-interest loan, you cannot enjoy the cash discounts on the purchased model, and sometimes the amounts of these cash discounts are quite large. Therefore, if you want to apply for a zero-interest loan to buy a car, you need to comprehensively evaluate whether the total price of the car loan is acceptable.

4

Four things to know when buying a car with a loan: Consider increasing the car payment and loan interest rate

Generally, when it is an interest-free loan, the total car payment will be A certain percentage will rise because 4S stores offer slightly different prices to customers who buy cars with cash and those who buy cars with loans. In this case, it is necessary to calculate the amount of the loan to buy a car, and whether it exceeds the total amount of personal credit and cash to buy a car. If it exceeds, you may wish to apply for a personal credit loan. If it does not exceed, you can apply as follows. Interest-free loans.

END

Materials needed to apply for a loan to buy a car:

1: "Personal Loan Application";

2: Personal Valid ID. Including resident identity cards, household registers, military officer ID cards, passports, travel passes for compatriots from Hong Kong, Macao and Taiwan, etc. If the borrower is married, the spouse's identity certificate must be provided;

3: Household registration certificate or long-term residence certificate;

4: Personal income certificate, if necessary, family income or property certificate must be provided ;

5: Proof of intention to purchase a car issued by the car dealer;

6: Proof of down payment for car loan;

7: Other than the mortgage of the purchased vehicle If the guarantee is provided in the form of a guarantee, relevant materials for the guarantee shall be provided, including the pledged rights certificate, the mortgaged real estate ownership certificate and evaluation certificate, a letter of intent for third-party guarantee, etc.;

8: If the vehicle purchased with the loan is for commercial use If you are purchasing a vehicle, you must also provide proof that the purchased vehicle can be legally used for operations, such as an affiliation agreement with a transportation fleet, a leasing agreement, etc.;

9: The vehicle purchased with a loan is a second-hand vehicle, and you must also provide proof of purchase. Proof of intention, vehicle evaluation report issued by an evaluation agency recognized by China Construction Bank; vehicle property rights certificate of the vehicle seller, "Motor Vehicle Registration Certificate" of the vehicle being traded, vehicle annual inspection certificate, etc. ...

Question 5: Is it so difficult to get a mortgage to buy a car? Down payment: 40. The couple’s ID card, marriage certificate, household registration, real estate certificate, business license, and money!! Note: If you are single, you need to find a guarantor. There are three mortgage methods for buying a car. There are three main mortgage methods currently available on the market. : Auto finance companies, intermediary guarantees and bank loans, consumers can choose according to their needs. Generally speaking, car finance companies have higher interest rates, but the procedures are relatively simple, while banks have relatively low interest rates, but the procedures are cumbersome. They usually require real estate for mortgage, and the business of guaranteeing car purchases through intermediaries has just begun. Auto finance companies provide mortgages. Auto finance companies are non-bank financial institutions funded and established by automobile manufacturers to provide financial services to car buyers. In China, its establishment and changes must be approved by the China Banking Regulatory Commission, and the service content and scope must also be supervised by the China Banking Regulatory Commission. The most important function of an auto finance company is to provide auto loan services to consumers. In addition, it can also provide auto dealers with loans for purchasing vehicles and operating equipment, provide guarantees for loan car purchases, and other other credit businesses approved by the China Banking Regulatory Commission. The loan term of an automobile finance company is generally 12-60 months, and the down payment amount is not less than 20% of the vehicle sales price. It is free of guarantees, not subject to household registration restrictions, and does not require property mortgage. Interest is the only expense.

Among them, the public financial interest rates are: three-year interest rate: 6.88 (monthly repayment of 10,000 yuan is 310), five-year interest rate: 6.99 (monthly repayment of 10,000 yuan is 200). The GMAC interest rates are: three-year annual interest rate: 6.99 (monthly repayment of 10,000 yuan: 309), five-year annual interest rate: 7.33 (monthly repayment of 10,000 yuan: 200). Intermediary guaranteed bank mortgages currently use guarantee company loans to greatly shorten the review time. It only takes 1 day at the fastest and 2 days at the earliest. Dealers can assume the role of guarantee companies, so that customers only need to go through car dealers to buy a car, and they will directly handle loans, insurance, maintenance and other services for customers. It is reported that the most difficult problem for car dealers to handle this business was the lack of a personal credit reporting system. But now the situation is different. At present, the city's personal credit system has been established and started to operate, and personal loan repayment ability and credit status can be quickly reviewed. The banking system currently has strict conditions for providing mortgage loans directly from banks. For example, the borrower must have a property mortgage; must be engaged in a career with a stable income such as a civil servant, doctor, teacher, lawyer, etc.; the down payment must be at least 40%, or even 50%; and a 10% increase is implemented. interest rate.

Question 6: Is it generally possible to get a loan to buy a car? As long as the information is complete and the job is stable, it will be fine.

Operation process

First, the customer applies for a mortgage to the car dealer, and then the guarantee company requires the customer to prepare personal information in accordance with relevant regulations. These materials include: ID card, income certificate, marriage certificate, residence certificate (household registration or temporary residence permit, etc.), house ownership certificate, driver's license, these six major copies. If the car owner is an employee of a state-owned enterprise, a copy of the work permit is also required. If the car owner is a self-employed person, he must also provide copies of business license, tax registration certificate, organization code certificate and other relevant documents. Of course, a guarantor with a household registration in this city is also required. After all the information is prepared, the guarantee company will conduct an on-site investigation and report it to the bank after confirming that the situation is true. Finally, the bank signs a loan contract with the customer.

Guarantee fees

A certain guarantee company disclosed the charging standards to reporters: the cost of door-to-door investigation is 300 yuan within the Second Ring Road and 500 yuan outside the Second Ring Road; the file management fee is based on the loan 200 yuan is charged every year; after the customer signs a loan contract with the bank, he or she pays the guarantee fee to the guarantee company. The amount of the guarantee fee depends on the loan amount and the loan period. Currently, the loan period for car loans in Chengdu is generally within 5 years. For a year, the guarantee fee is 1.4-1.6 of the loan amount; for a two-year loan, the guarantee fee is 1.8-2 of the loan amount; for a three-year loan, the guarantee fee is 2.5 of the loan amount. At present, most car owners who take out loans to buy cars choose a loan term of three years.

Notes

In addition to the above necessary information, there are also some issues that need attention: If the customer’s household registration is not in this city, the police station needs to issue a temporary residence certificate; Customers who do not have real estate need a person who owns real estate as a guarantee; customers who buy a house with a mortgage must issue a copy of the house purchase contract and repayment passbook; customers who have real estate but the property ownership certificate is still in process, need to be issued by the relevant real estate company prove.

In addition, if the customer can also present academic certificates, deposit certificates, water and electricity payment certificates, etc., the loan application will be easier to pass.

Buying a car with a loan also involves car insurance. Among the current car insurance types, only third-party liability insurance is compulsory. However, if you buy a car with a mortgage through a guarantee company, in addition to the mandatory third-party liability insurance, you also need to purchase full vehicle theft insurance, vehicle damage insurance and non-deductible special insurance.

Question 7: Is it possible to buy a car with a loan? If so, what are the drawbacks? Yes, it is very popular to buy a car with a loan now.

The following are the pros and cons of buying a car with a loan:

The advantages of buying a car with a loan: The money saved can be used to invest in other investments to obtain higher returns, and even earn back the mortgage payment The "interest" required to pay for a car has been reduced by 5 to 6 for some car loans. In addition, most zero-interest loans have now removed household registration restrictions.

Disadvantages of buying a car with a loan: In recent years, car prices have been decreasing by about 10% every year. If you buy a car with a loan, the price of the car will plummet after two years, but you will not be able to afford it. It is prohibitive to pay for a car loan that is "above" the market price, coupled with the strict review of car loans and the requirement of certain prerequisites.

Bank car loan. As the country's mainstream loan method, banks have always been the first choice for most car buyers. The biggest advantage of applying for a car loan at a bank is that the interest rate is relatively low. However, it is officially said that there are too many people and there is not enough food. The procedures for applying for a car loan at the bank are also the most cumbersome. Of course, the speed of disbursement is self-evident, and there may also be some additional fees. Of course, if you choose a real estate mortgage loan, the interest rate may be lower. Compared with traditional unsecured mortgage car loans, it can lower the monthly payment of car buyers with loans.

Question 8: Is it difficult to get a car loan to buy a car now? It’s not difficult,

1. Loan targets: natural persons aged between 18 years old (inclusive) and 60 years old (inclusive), with full capacity for civil conduct.

2. Loan amount: If the vehicle purchased is for personal use, the loan amount shall not exceed 80% of the purchased car price; if the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the purchased car price. Among them, the loan amount for commercial trucks shall not exceed 60% of the purchase price of the car; if the purchased vehicle is a second-hand car, the loan amount shall not exceed 50% of the borrower's purchase price of the car, and the loan amount shall not exceed 200,000 yuan;

3. Loan period: If the vehicle purchased is a self-use vehicle, the loan period shall not exceed 5 years; if the vehicle purchased is a commercial vehicle or a second-hand car, the loan period shall not exceed 3 years;

4. Loan interest rate: in accordance with the loan interest rate regulations of China Construction Bank;

5. Guarantee method: When applying for a personal car loan, the borrower must provide certain guarantee measures, including pledge, using the vehicle purchased with the loan as collateral, real estate Mortgage, third-party guarantee, etc. You can also purchase personal auto loan performance bond insurance.

6. Required application materials:

(1) "Personal Loan Application";

(2) Valid personal identity document. Including resident identity cards, household registers, military officer ID cards, passports, travel passes for compatriots from Hong Kong, Macao and Taiwan, etc. If the borrower is married, the spouse’s identity certificate must be provided;

(3) Household registration certificate or long-term residence certificate;

(4) Personal income certificate, if necessary, family income or Proof of property;

(5) Proof of intention to purchase a car issued by the car dealer;

(6) Proof of down payment for car purchase;

(7) With If the purchased vehicle is guaranteed by means other than mortgage, the relevant materials provided for the guarantee include the pledged rights certificate, the mortgaged real estate ownership certificate and evaluation certificate, a letter of intent for third-party guarantee, etc.;

(8) If If the vehicle purchased with a loan is a commercial vehicle, proof that the purchased vehicle can be legally used for operation must also be provided, such as an affiliation agreement with a transportation fleet, a lease agreement, etc.;

(9) The vehicle purchased with a loan is For second-hand cars, you also need to provide proof of intention to purchase the car, a vehicle evaluation report issued by an evaluation agency recognized by China Construction Bank; the vehicle seller's vehicle ownership certificate, the "Motor Vehicle Registration Certificate" of the vehicle being traded, the vehicle annual inspection certificate, etc.

Handling channels and procedures

1. Handling channels: Handle personal car loan business through branches of China Construction Bank that offer personal car loan business. In some large and medium-sized cities, branches established by China Construction Bank The Auto Financial Service Center specializes in personal auto loan business, and the Personal Loan Center is also a professional acceptance agency for auto loans.

2. Processing process:

① The borrower submits application materials;

② The handling bank conducts a preliminary review of the application materials submitted by the borrower, and Conduct credit investigation and customer evaluation;

③ Approval of loan applications that pass the preliminary review and credit investigation and meet the loan conditions;

④ If approved, notify the borrower to sign the contract, Relevant procedures such as lending, mortgage or pledge; if it fails to pass the examination and approval, an explanation must be provided to the borrower;

⑤After the loan contract takes effect, the handling bank will issue the loan. Adopt a special lending method, that is, according to the loan contract, the handling bank will directly transfer the loan to the dealer account where the borrower purchases the car

Question 9: Can you get a loan to buy a car if you have bad credit? 5 points, no matter what When banks or auto finance companies apply for loans to buy cars, in addition to requiring the borrower to provide corresponding proof of income, they also need to provide credit records for the past two years. If there are serious overdue phenomena, it will directly affect the loan to buy cars. Approval.

When a bank accepts a customer loan, the first step is to check the personal credit record through the bank's credit verification system to determine whether the applicant is qualified for the loan. If there have occasionally been one or two overdue situations where the amount was not large and the deadline was not long, then negotiation can still be carried out.

If the overdue circumstances are serious, with a total of more than 6 overdues within two years or a single overdue for more than 90 days, the bank will consider it a malicious repayment behavior, which will question the willingness to repay and ultimately refuse the loan to purchase a car. Apply.

Question 10: Can I pay back in advance when buying a car with a loan? Yes, the specific stipulations depend on the contract signed with the bank. It should be that you don’t have to pay interest back, just pay the principal. I haven’t heard of any additional conditions

Is it easy to get a car loan?

Car loan approval is the same as any other loan approval. Whether it can be approved depends mainly on the qualifications of the loan applicant. In theory, as long as the user meets the application requirements for the loan product, it is relatively easy to pass. But overall, the application threshold for car loans is higher than that of credit loans, but lower than that of mortgage loans. Applicants must be over 18 years old, have a stable job and source of income, have a personal debt ratio of less than 50%, and have no bad credit history. They have a higher probability of being approved for a car loan.

The reasons for car loan approval and failure are as follows:

Car buyers have insufficient repayment ability and unstable repayment willingness.

1. Weak repayment ability. Management will evaluate the customer's repayment ability based on the customer's income level and debt situation. Customers are generally required to hand over their wages to banks, etc. If the appraisal is not satisfactory, the loan will be denied. Therefore, if the mortgage loan officer discovers this problem of the customer when collecting information, he should promptly ask the customer to supplement other income certificates or asset ownership certificates to improve customer qualifications and loan approval rate;

2. Work Unstable. Most employers usually require clients to have a stable job, because a stable job means relatively stable income. If the client is a freelancer, has high or low income, and has frequent job changes, it will be difficult to qualify for a loan. Of course, different employers have different evaluation criteria for job stability.

3. High debt ratio. Debt ratio is also an important factor for employers to evaluate a customer's repayment ability. If the debt ratio is too high, the loan will naturally be rejected because the risk of the customer being unable to repay is high. Taking banks as an example, it is stipulated that if the total monthly loan repayment of the customer is higher than the customer's monthly income of RMB 50, the loan will not be approved.

Doubts about the purpose of buying a car

As for the so-called earmarked funds, financial institutions also need to confirm whether consumers have a clear purpose and intention to buy a car, otherwise it will bring the risk of overdue or default.

1. Except for immediate family members and spouses, you cannot apply for a loan on the grounds of buying a car for others. For example, if a consumer says that he or she is a boyfriend or a cousin who is buying a car, financial institutions will refuse to lend due to the risk of default;

2. The selling price of new or used cars is higher than the guide price or market price. 20,000 to 30,000. Even if a consumer loses their mind when they first buy a car and buys a car, will they suddenly wake up later and feel that the car was sold for tens of thousands more? Even if the financial institution takes the car back, even if it is sold on the second-hand market, the loan amount will not be replenished.

Similarly, if the car is obviously in poor condition, the financial institution is mortgaging assets with distorted value;

3. Customer service calls the consumer, but the consumer does not know anything about the problem.

Is it easy to get a loan to buy a car if you don’t have a job?

It is more difficult to get a loan to buy a car if you don’t have a job. The most basic thing for getting a bank loan is that in addition to having a good credit report, you also have to prove that you have If you can afford to repay the loan every month through your job, but have no income every month and don’t have much turnover, banks will generally not approve a car loan.

Is it easy to get a loan to buy a car without a job?

It is much more difficult to get a mortgage to buy a car without a job, because it means that it is difficult to pass the review when applying for a bank loan, but it is also It's not impossible. Applicants can provide a guarantor with better loan qualifications, and provide better proof of assets, such as property in their name or good bank income certificate. If you are self-employed, you only need to provide a business license and bank inflow to successfully purchase a car mortgage.

Will the bank approve a loan to buy a car if I don’t have a job?

The current mainstream methods of loan to buy a car are: bank car loan, credit card installment payment and car finance company. However, these three methods Their respective restrictions are different. It is difficult for unemployed consumers to apply for bank car loans or credit card installment loans, both of which basically require the borrower to have a fixed job.

But if the consumer owns a real estate, the consumer can obtain a loan by mortgaging fixed assets, or if the individual's social credit is good, the consumer can also obtain a guaranteed loan through a guarantor or guarantee institution.

If a fixed asset such as a house is mortgaged for a loan, the lender must first go to the authoritative department to accurately evaluate the value of the personal fixed asset that needs to be mortgaged, and then issue an asset evaluation report before applying for a loan. .

What are the requirements for a car loan guarantor?

When some people take out a loan to buy a car, they may need to find a car loan guarantor to get a bank loan, but a car loan guarantor needs Meet certain conditions:

1. Have full capacity for civil conduct;

2. Except for the guarantee, there is no involvement in the entire car loan;

3. Have legal, Stable source of income and proof of assets, and the ability to repay the loan on behalf of the borrower;

4 Have a fixed residence in the local area, and have a local household registration or residence certificate;

5 Have a good personal profile Credit reference.

This ends the introduction about whether it is easy to get a car loan and whether it is easy to get a car loan. I wonder if you found the information you need?