Matters needing attention in home visit of automobile loan

Legal analysis: After receiving the application, the relevant staff of the bank conducted a door-to-door investigation on their family situation and talked with their spouses, confirming that the loan application had been filed by their spouses and that the amount of family income used for repayment met the requirements of the banking supervision department. After these procedures, the bank will issue loans. Just tell the truth, don't be different. Loan business conditions: 1 natural person aged 65; 2. The borrower's actual age plus the loan application period shall not exceed 70 years old; 3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule; 4. Good credit information, no bad records, and legal use of the loan;

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.