Need. Buying a car in installments requires checking the credit information. If the credit information is not good, the application for car loan will be rejected. When handling a car loan, the borrower needs to submit his personal second-generation ID card, aged 18 or above, and his bank account for the last six months. After submission, he needs to wait for approval, and he can get the loan only after approval. Then he mentioned that new car users need to pay a certain interest when they buy a car by installment, but most 4s shop loans generally promise zero interest when they buy a car, but they will charge a certain handling fee in the process of handling. Moreover, if you buy a car with a loan, you need to go to a designated institution to buy insurance, and the cost is relatively high. It is best to go to the bank to apply for a car loan. The interest rate of loans in banks will not be too high, banks will not charge various service fees, and users can also buy insurance freely. Users only need to repay on time, but this kind of loan takes a long time. 1. Requirements for buying a car by installment loan: 1. At least 18 years old but under 60 years old; 2. Residents with permanent residence in the local area have fixed residences in the local area; 3 have the ability to repay the principal and interest of the loan, have a stable income, and the monthly payment does not exceed 60% of the total disposable income of the family; 4. A "one card" account has been opened; 5. The guarantee must naturally be provided by a third party, but the husband and wife shall not guarantee each other; 6. During the loan period, the insurance company recognized by the bank must insure the motor vehicle consumption loan guarantee insurance in one lump sum and continuously insure the motor vehicle insurance. 7. Other conditions stipulated by the bank. 2. Procedures for car purchase by installment: If you choose to pay by installment, you need to prepare materials as required, including personal ID card, household registration book, housing certificate, personal income certificate, etc. When you are ready, you can submit it to the bank and submit a loan application to the bank. After the bank accepts and passes the examination, it will call the car dealer directly, and the customer can also pick up the car at the dealer. Of course, the procedures for buying different cars in different regions will be different, which is also related to the actual situation of individuals.
Second, what are the conditions for buying a car by stages? If the credit is not good, you can divide it on the wonderful car. ...
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3. What do you need to buy a car by installment? Do you want to read the credit report? My credit report is very expensive.
Need to look at personal credit information. The requirements of car installment payment are as follows: loan to buy a car is the behavior of the borrower applying for a loan to buy a car from the lender, requiring the car buyer to pay a certain proportion of the down payment and provide proof of repayment ability, and there is no bad credit record. The materials needed to apply for a loan to buy a car include personal valid identity documents, household registration certificates or long-term residence certificates, and personal income certificates.
Good social credit: the lender has no bad criminal record and bad loan credit record, and the social credit is good. Personal credit loans can't have bad records when buying a car. If the applicant has some bad records in the previous credit information system, the loan will be difficult to succeed.
/kloc-citizens over 0/8 years old with full capacity for civil conduct; Have legal identity documents, local permanent residence or valid residence certificates.
Car purchase contract or agreement: proof of car purchase intention issued by the car dealer; Loan to buy a car down payment certificate; If the purchased vehicle is secured by other means than mortgage, relevant materials of the guarantee shall be provided, including the pledge certificate of rights, the ownership and evaluation certificate of mortgaged real estate, and the letter of intent for third-party guarantee, etc. ;
Have a stable job: car buyers must have a fixed job and long-term stable economic income or assets that are easy to realize in order to repay the loan principal and interest on time. Assets that are easy to realize here generally refer to securities and gold and silver products.
Joint and several liability guarantee: if you are unmarried, you need to provide an irrevocable third-party joint and several guarantee; Provide bank-approved guarantees to banks.
If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.
4. What do you need to buy a car by installment? Do you want to read the credit report? I spent a lot of money on it.
Need to check personal credit. The terms of installment payment for car purchase are as follows:
Car loan is the behavior that the borrower applies for a loan from the lender to buy a car. The buyer needs to pay a certain proportion of advance payment and provide proof of repayment ability. The required information includes valid personal identity documents, residence certificates or long-term service.
Good social credit: the lender has no criminal record and bad credit record and good social credit. Personal credit loans cannot have bad records. If the applicant's previous credit information system record is not good, then the loan will be difficult to succeed. Proof of full capacity for civil conduct, local permanent residence or valid residence permit.
After the completion of the basic database of personal credit information, it is equivalent to establishing the time for individuals to pay water, electricity, gas and telephone bills and repay the principal and interest to the bank on time, which has accumulated rich credibility for individuals and can be used as credit collateral for bank loans, providing convenience for obtaining bank loans in the future.
In order to better protect personal rights and interests, experts remind that individuals have the right to query their credit information in the system when they have loan business with banks. If they find any objection to their records in the system of providing credit reports, they can promptly correct their mistakes to the Bank Credit Information Service Center of the People's Bank of China or the local branch of the People's Bank of China.