When buying a car, the company can apply for a mortgage loan. However, it should be noted that if automobile mortgage is in the name of the company, then the mortgage loan needs to be in the name of the company as a legal person. This requires providing the personal certificate of the legal person, the company's business certificate and related documents, in addition to these documents, but also provide the company's recent tax records and other related documents. The company can borrow money to buy a car in its name, and the process is as follows: 1. Customer application: the customer applies to the bank, fills in the application form in writing and submits relevant materials at the same time; 2. Signing a contract: After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract and a guarantee contract; 3. Lending: The loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract; 4. Repayment on schedule: the borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract; 5. loan settlement. Legal basis: Article 14 of the Measures for the Administration of Automobile Loans: A borrower applying for an automobile loan from a dealer shall meet the following conditions at the same time: (1) Having a Business License for an Enterprise as a Legal Person issued by the administrative department for industry and commerce; (2) Having a certificate issued by the automobile manufacturer to sell cars as an agent; (3) The asset-liability ratio does not exceed 80%; (4) Having a stable legal income or legal assets sufficient to repay the principal and interest of the loan; (5) The dealers, senior managers of dealers and customers who accept loan applications as agents have no major breach of contract or bad credit records; (6) Other conditions required by the lender.
2. Can a newly registered company borrow money to buy a car?
You can borrow money.
The process of enterprise loan to buy a car:
1. When applying for a loan, the enterprise submits relevant information to the bank.
2, loan approval, the bank accepts the loan application, and carries on the approval.
3. Sign contracts, approve loan contracts, guarantee contracts, etc.
4. Mortgage registration: the enterprise goes through the mortgage registration in dmv, and then goes through the relevant formalities in the bank.
5 will lend money to car dealers in the future, and enterprises can
1. Enterprise loan refers to a way for an enterprise to borrow money from a bank within a certain period of time to meet the needs of production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation.
2. Corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange loans, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills by buyers or agreements, factoring with domestic recourse, and escrow loans for export tax rebate accounts.
Three, to apply for enterprise loans, you need a business license, organization code certificate, account opening permit, tax registration certificate, public. At the same time, the enterprise also needs to submit the annual report of the last three years, the financial information of the last three months, the lease contract of the business premises and the proof of rent payment. The last three items also include tax bills for the last six months, signed purchase and sale contracts (if any), and assets under the name of the enterprise.
Fourth, credit loans.
Credit loan refers to a loan issued by a bank with the borrower's reputation, and the borrower does not need to provide guarantee.
According to the loan term, it is divided into short-term loans, medium-term loans and long-term loans.
1, short-term loan.
2. Loan term 1 year (exclusive) to 5 years (inclusive).
3. Long-term loans: refers to loans.
Third, can the company borrow money to buy a car?
If you buy a car in your own name, you can't get into the company account. If you want to enter the company account, you can only change your personal name to the company name. After changing its name to the company name, all the expenses of the car can be included in the company, and the vehicle purchase tax should be incorporated into the cost of fixed assets. Borrow when the loan is merged with the automobile: fixed assets-automobile loan: long-term loan when the interest of each loan is accrued: financial expense loan: long-term loan can also be accrued on a monthly basis if the loan interest amount is large. Borrow when repaying the loan: long-term loans: bank deposits, and other future gasoline fees, road and bridge fees, automobile insurance fees, etc. Can be credited to the company account.
4. Can private companies buy cars in the name of loans? What is the procedure?
You can borrow money. Mortgage to buy a car in the name of the company:
1, resident ID card, household registration book, marriage certificate.
2. Relevant income certificates, including unit income certificates, deposit certificates, securities, real estate certificates or other income certificates.
3. The car purchase contract or agreement signed with the dealer.
4. The deposit certificate (passbook) of the bank that is not lower than the down payment.
5. If the house property is mortgaged or pledged, a list of mortgaged or pledged property, a certificate of ownership, a certificate that the person who has the right to dispose of the property (including the property owner) agrees to mortgage or pledge, and a certificate of mortgage valuation issued by the competent department shall be provided.
6. If the purchased vehicle is mortgaged, a written loan recommendation letter issued by the dealer designated by the lender before handling the legal mortgage registration and relevant insurance procedures shall be provided.
7. Where a third party provides a guarantee, it shall issue a written document of the guarantor's consent to the guarantee, relevant credit certification materials and a certain percentage of the deposit. Extended data:
Precautions for buying a car by mortgage in the name of the company: 1. It is necessary to know hidden expenses in advance to reduce company expenses. 2, installment car insurance binding, the company loan to buy a car is for the company, so it is very important to buy insurance and spread the risk loss. 3. No oral agreement is guaranteed. Companies, businesses and banks must sign a formal contract law, not an oral agreement. 4, the repayment amount should be understood, the company loans to buy a car in order to apply for the company's reputation, so timely repayment is very important.