Basic conditions for handling loans from auto financing companies:
First of all, borrowers who apply for loans from auto financing companies must have good credit and repayment ability;
Secondly, it is better for borrowers who apply for loans from auto financing companies to own real estate.
Thirdly, borrowers who apply for loans from auto financing companies have stable jobs and stable incomes.
If car buyers buy stocks and funds and can provide corresponding supporting documents, auto financing companies will increase the loan application amount of car buyers and speed up the loan approval process.
Materials to be submitted for handling loans from auto financing companies:
1, ID card, work certificate
2. Salary Operation Table and Residence Certificate
3. The driver's license of the applicant or the driver's license of the spouse.
4. Real estate license or residence certificate.
The above are the application conditions for car buyers to apply for loans from auto financing companies.
What are the terms of auto financing loan?
Basic conditions of auto financing loan
1, identification of myself and my spouse. You need valid copies of the front and back of the second-generation ID card, and write down the contact numbers of both husband and wife.
2. I and my spouse's household registration book. Including household registration home page, household registration home page, personal page, foreign customers also need to provide temporary residence permits.
3. driver's license. Both husband and wife can.
4. Marriage certificate. Unmarried need to be issued by the Civil Affairs Bureau where the household registration is located; Married people provide marriage certificates; Divorced people need to provide divorce certificates and divorce agreements or court judgments.
5. Real estate license. House property certificate, purchase contract and purchase invoice, mortgage contract, ownership certificate issued by the real estate bureau, etc.
6. Proof of address. A property management, water, electricity, gas and other bills (one of which can have a detailed address), or a lease agreement for the first phase.
7. proof of income. Proof of income of both husband and wife, with unit name and contact telephone number.
8. Property certification documents. A 6-month bank card statement needs to be stamped by the bank (4 months from the current date, the more funds, the better, and the printing date and data submission date cannot exceed 15 days).
Loans of more than 93,000 yuan provide business owner information. Limited company: business license and capital verification report; Personal: business license.
10, other financial certificates. Certificates of deposit, passbooks, stocks, funds, etc.
What conditions does a car loan require to get a loan?
Car loans need to meet the following conditions:
1, with 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.
What is the process of buying a car with a loan?
The process of buying a car with a loan:
1. Lead customers to choose cars at the bank's special dealers and sign car purchase agreements or contracts;
2. The borrower applies to the loan bank for personal automobile mortgage;
3. Sign the contract with the consent of the investigation;
4. Go through the formalities of notarization and mortgage of automobiles;
5. The lender handles the loan;
6. After the loan is paid off, the lender cancels the pledge certificate and returns it to the customer.
Legal basis: Article 18 of the Interim Measures for the Administration of Personal Loans.
The loan review should comprehensively review the legality, rationality and accuracy of the loan investigation, focusing on the due diligence of the investigators and the borrower's repayment ability, integrity, guarantee, mortgage (pledge) ratio and risk degree.
Article 20
Lenders should, according to the principle of prudence, improve the authorization management system, standardize the examination and approval operation process, clarify the loan examination and approval authority, implement the separation of loan examination and approval, and ensure that loan examination and approval personnel independently examine and approve loans according to authorization.
What conditions do auto financing companies need for loans?
1. An auto financing company shall meet the following conditions: applicant's age 18 years old; Have a stable income, and the income is preferably twice or more than the monthly car loan; Good credit investigation, no bad credit record; The lender has a fixed address in the local area; Personal debt ratio is moderate and there is no large debt. In addition, the application threshold of auto financing companies is slightly lower than that of bank credit cards to purchase cars by installments. Users without credit cards can try to apply for loans from auto financing companies first. If you go to the bank for a loan to buy a car, you need to provide a bank guarantee approved by the bank. If the personal account of the car buyer is not local, it should also provide joint and several liability guarantee, and the bank will not accept the mortgage loan set by the car buyer.
2. Unregistered families have no car loans. Unregistered families refer to families without household registration information, household registration cards (permanent population registration cards) and identity cards in the national census. It is impossible to have a black car loan, because it does not meet the loan conditions of a car loan. If you are an unregistered bank or an unregistered bank, you can try to apply for a loan from a bank through a loan company or find a loan company. Loan companies usually pay less attention to personal credit and more attention to collateral.
3. Users need to meet the above conditions when applying for loans from auto financing companies. If it is a relatively strict loan business of an auto financing institution, the applicant also needs to meet other conditions required by the lending institution. If an auto financing company needs to provide guarantee, the applicant shall provide guarantee or collateral. Usually, anyone with all abilities can apply for a car loan. Car loans are generally paid by credit cards in installments, and users can apply as long as the monthly payment does not exceed 50% of their income. The services of auto financing companies are transferred from offline to online, which simplifies the service process and speeds up the lending.
Other conditions stipulated by the auto financing company. At the same time, the following documents need to be submitted: the original valid ID card and proof of marital status; Proof of income; Driving license materials; Documents certifying the lawful property of other individuals; Other materials required by the auto financing company.