One-card car loan application process:
① If you have seen the car you need to buy through a car dealer and have cooperated with China Merchants Bank, you can apply for a car loan directly at our station;
(2) If there is no cooperation, you can try to contact the personal loan department of the local China Merchants Bank directly and put forward your loan application, and the handling bank will determine whether it can be handled after reviewing your comprehensive situation.
2. What should I do to apply for a car loan in Shanghai? What is the application process of Shanghai automobile consumption loan?
Automobile consumption loan application process 1, customer application. The customer submits the form to the bank and relevant information at the same time; 2. Sign the contract. After the bank approves the application materials submitted by the borrower, both parties shall go through relevant notarization and mortgage registration procedures as appropriate; 3. Issue the loan, and after all the formalities are completed, directly transfer it to the account of the automobile dealer; 4. Repay on schedule. Repay the principal and interest of the loan by means of withdrawal and repayment; 5. loan settlement. Loan settlement includes normal settlement and early settlement. ① Normal settlement: the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (settlement before installment payment): before the maturity date of the loan, if the borrower applies to the bank in advance according to the needs of the loan contract, the bank will approve it and go to the designated accounting counter for repayment. After the loan is settled, the borrower shall issue a loan settlement certificate, retrieve the legal documents and relevant supporting documents kept by the bank, and submit the loan settlement certificate to the original mortgage registration department.
3. Under what circumstances can a car be loaned for 5 years?
Under what circumstances can I borrow a car for five years? Generally speaking, the life span of a bank is three years, and only an auto financing company can reach five years. However, interest financing companies are inherently higher than banks, and the interest for five years is higher. You must have a very good qualification to mortgage for five years, and the finance company will not lend until it feels no problem.
After paying off the car loan, you can borrow money to buy a house. In some places, some banks withhold real estate licenses, while others do not. However, the content of your loan is stated in the summary of other rights. You can't sell it without paying off the loan, whether you have a real estate license or not. If there are other uses, you can borrow money from the bank.
Under what circumstances can't a loan be approved to buy a car? If you are going to apply for a personal car loan at China Merchants Bank, whether the final approval can be passed is based on the comprehensive evaluation of the business type, personal solvency, credit status and other factors you apply for, and can only be determined after the approval of the handling outlets. I suggest you provide relevant application materials and contact the personal loan department of local outlets for further verification.
When can I get a five-year car loan? The five-year car loan mainly depends on the loan standards of various banks. If your work unit is a national civil servant or an enterprise or institution, ordinary banks can apply for five years. However, your loan amount is relatively small, so I suggest you apply for a large amount of credit, which is also convenient and saves a lot of complicated procedures.
Can I borrow money to buy a house in this case? The company now pays personal income tax, which is convenient and quick. What's the contact number?
The loan for buying a car has not been paid off, can I still borrow money to buy a house? Just meet the conditions for buying a car with a loan. Property right certificate or (purchase contract and invoice) certificate of homestead; ID card/household registration book/driver's license; Marriage certificate (marriage certificate/divorce certificate/divorce agreement); Proof of income of myself and my spouse; Temporary residence permit; Water/electricity/gas/property payment documents or residence certificates in the last three months; Bank passbook or certificate of deposit/stock/fund/national debt/insurance; And other proof of property.
Under what circumstances can I get a loan? If you have a smart card of China Merchants Bank, you can log in to the mobile banking, click My-All-Loan-I want a loan, and try to check whether you are qualified to apply for a "lightning loan" through this interface. If so, you can try to apply. Tips If you can't apply, you can apply for mortgage, car loan and consumer loan. Depending on the purpose of the loan. This kind of loan is earmarked and paid directly to the counterparty, so you can't borrow money.
Conditions for applying for network joint guarantee loan (1) industrial and commercial registration is located in Hangzhou, Jiaxing, Huzhou, Shaoxing, Taizhou, Wenzhou, Jinhua, Lishui, Quzhou, Zhoushan and the counties and cities under its jurisdiction; (2) Enterprises with industrial and commercial registration period of 18 months or legal representative (or actual manager) engaged in the current industry for more than 5 years (including 5 years) can apply. (3) Operating non-loss-making enterprises in the previous year; (4) At present, the branches of China Construction Bank have no loan balance (if they have borrowed from China Construction Bank, they have been paid off, and they are deemed to have no loan balance). If there are still loans in use or not paid off in CCB, they must be settled before they can apply for network joint guarantee loans; (5) A consortium can be formed, and there should be at least 3 enterprises in the consortium (a consortium can be formed after being registered separately). Among them, the joint venture is a non-affiliated enterprise, that is, there is no equity relationship between the two, nor is it a direct relative of three generations and a collateral relative of two generations. In addition, according to the requirements of CCB, the joint venture company must be in the same county-level city. Special reminder: (1) Non-Alibaba members, ordinary members, members of TrustPass and suppliers in China can come to register, but enterprises that have obtained loans must have membership of TrustPass or suppliers in China before they can borrow from banks. (2) If the company belongs to a branch or subsidiary, it cannot apply for it temporarily. Can individual businesses apply for loans? As long as you have an organization code certificate, you can apply. The organization code certificate is the unique and unchangeable legal code mark issued by the national quality and technical supervision department to all organs, enterprises, institutions and social organizations (including legal representatives and branches of legal representatives). It is the organization's identity card, referred to as code certificate. Conditions for applying for network joint guarantee loan (1) industrial and commercial registration is located in Hangzhou, Jiaxing, Huzhou, Shaoxing, Taizhou, Wenzhou, Jinhua, Lishui, Quzhou, Zhoushan and the counties and cities under its jurisdiction; (2) Enterprises with industrial and commercial registration period of 18 months or legal representative (or actual manager) engaged in the current industry for more than 5 years (including 5 years) can apply. (3) Operating non-loss-making enterprises in the previous year; (4) At present, the branches of China Construction Bank have no loan balance (if they have borrowed from China Construction Bank, they have been paid off, and they are deemed to have no loan balance). If there are still loans in use or not paid off in CCB, they must be settled before they can apply for network joint guarantee loans; (5) A consortium can be formed, and there should be at least 3 enterprises in the consortium (a consortium can be formed after being registered separately). Among them, the joint venture is a non-affiliated enterprise, that is, there is no equity relationship between the two, nor is it a direct relative of three generations and a collateral relative of two generations. In addition, according to the requirements of CCB, the joint venture company must be in the same county-level city. Special reminder: (1) Non-Alibaba members, ordinary members, members of TrustPass and suppliers in China can come to register, but enterprises that have obtained loans must have membership of TrustPass or suppliers in China before they can borrow from banks. (2) If the company belongs to a branch or subsidiary, it cannot apply for it temporarily. Can individual businesses apply for loans? As long as you have an organization code certificate, you can apply. The organization code certificate is the unique and unchangeable legal code mark issued by the national quality and technical supervision department to all organs, enterprises, institutions and social organizations (including legal representatives and branches of legal representatives). It is the organization's identity card, referred to as code certificate.
Can I borrow money to buy a car in this situation? Generally speaking, five kinds of information are needed to buy a car by loan: identity certificate/household registration certificate/marriage certificate/income certificate/property certificate. The most important thing is-proof of income/proof of real estate. You can show your repayment ability without going to the bank first. If you still don't understand the phone number: 15068 18429.
What are the requirements for a car loan for five years? You can't borrow for five years, and you can continue to borrow when the loan expires.