The borrower submits the loan application materials to the bank; The bank conducts preliminary examination of the application materials submitted by the borrower, and conducts credit investigation and customer evaluation on the borrower; Banks examine and approve loan applications that meet the loan conditions through preliminary examination and credit investigation; If it is approved, the borrower shall be notified to go through the relevant procedures such as signing a contract, lending, mortgage or pledge.
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First, the conditions for applying for a car loan
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.
Second, the car loan application materials
1. Original ID card, household registration book or other valid proof of residence, and provide its copy;
2. Proof of occupation and economic income;
3 car purchase agreement, contract or letter of intent signed with the dealer;
4. Other documents required by the cooperation agency.
Bank car loans are mainly for cars. Domestic cars and imported cars with a price of 50- 1 10,000 yuan are generally 30% down payment and 70% loan. As long as you have the repayment ability (normal bank credit record), you can apply for a car loan.
The process of car loan:
Vehicle selection-loan data preparation-bank field trip-loan parties are fully prepared.
Expect bank signature-bank loan approval-loan issuance-listing mortgage-payment issuance.
Information provided by car loan (basic information is simple):
Husband and wife of the borrower: ID card, household registration book, marriage certificate, income certificate, residence certificate,
Proof of cash flow (details of common personal passbook or bank card);
Guarantor couple: ID card, household registration book, marriage certificate, income certificate,
Proof of residence and cash flow (common)
Personal passbook or bank card details)!
Preparation fee: 70% of the loan is down payment of 30%, and the loan procedure fee is generally between 3% and 7% of the loan amount, depending on the situation.
The specific new car price can be calculated specifically!
If the car loan bank does not approve it, it may be caused by several reasons:
1. The loan amount is too large, and the bank thinks you can't repay it.
2. Poor credit information. If you have ever defaulted on your credit card for more than two times in five years, the bank has a good chance to refuse your loan.
3. Spouse credit reporting is not good, and the credit reporting of married spouses is also one of the considerations of banks.
4. There are too many debts. If you owe too much, the bank may refuse your loan. Even if you don't refuse, it is possible to reduce the loan amount.
The monthly repayment accounts for more than 50% of your monthly income.