1, apply for car loan. After the applicant is optimistic about the vehicle to be purchased, he/she needs to fill in the Application Form for Automobile Consumption Loan and the Investigation Form for Credit Information, and submit them to the loan bank together with relevant certificates of personal situation. 2. After receiving the application, the bank will conduct pre-loan investigation and approval. 3. The bank shall notify the borrower to fill in various forms, as well as loan contract, guarantee contract and mortgage contract, and go through the formalities of mortgage registration and insurance. 4. Banks issue loans. 5. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank. In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on. The operation process of different 4S stores may be slightly different, and the process found by individuals on the Internet is as follows: 1. Customers go to auto dealers for consultation and provide relevant information, and auto dealers submit the information to auto financing companies; 2. General Motors Finance Company shall review the information of the applicant and further investigate the applicant; 3. After the investigation, General Motors Finance Company signed a loan contract with the borrower, and the borrower went through the corresponding mortgage registration procedures; 4. General Motors Finance Company issues loans; 5. The borrower repays the loan according to the contract. Negotiate the car price and loan amount with the salesman, and provide the loan officer with work certificate, running list, income certificate, authenticity certificate, marriage certificate, real estate license and business license. And then wait. Usually two or three days to a week. I told you to pick up the car. Paying the down payment, handling the bank card, and making monthly repayment is the process of SAIC General Finance Car Loan: 1. Go to the car 4S shop to choose the car model. 2. Fill in the loan application form of the auto financing company and provide relevant supporting materials. 3. Wait for the approval of the auto financing company. 4. Approved by the finance auto company. 5. Sign car purchase contracts and car loan contracts. 6. Pay down payment and vehicle purchase tax. 7. Handle new car registration, mortgage registration and other related procedures. 8. Pick up the car and repay it on schedule according to the loan contract. At present, most auto 4S shops provide auto finance services. Under normal circumstances, this method does not need any guarantee from the car buyer, as long as there is a fixed occupation and residence, stable income and repayment ability, and good personal credit. The approval process is short, but the interest rate is relatively high, usually higher than the bank car loan. Generally speaking, the loan handling process of an auto financing company is as follows: 1. Choose a car model in a 4S car shop. @20 19
Second, how about SAIC's fast loan? Is it easy to pass?
It is suggested to apply for loans through formal channels: for example, Agricultural Bank of China (ABC), Netjet loan is defined as a small consumer loan issued by individual customers of ABC Cash Bank, which is self-applied, quickly received, automatically approved and granted credit. Application conditions (1) Basic conditions 1. At least 18 years old and no more than 60 years old, with China nationality and full capacity for civil conduct. 2. Customers with legal and valid identities and our second-generation KBao customers) 4. Good credit status; 5. There is no unexpired "NetJet Loan" quota, and there is no outstanding "NetJet Loan" balance. 6. The income is stable, and the loan purpose is reasonable and clear.
Apply for 30-300,000 yuan; Lenders need to use the loan within the validity period of the loan amount, and can complete the approval and lending of the loan amount within a few minutes.
3. How to get a car loan in Shanghai?
————————————————————————————————————————————————————————————————————————————————————————————————— The term of personal car loan varies according to the credit status of the customer and the purpose of the purchased vehicle. Among them, the purchased vehicles are used for rental operation, car rental and transportation operation, with a maximum period of 5 years and a maximum period of 3 years for freight transportation. The loan interest rate shall be subject to the loan interest rate stipulated by the People's Bank of China for the same period, and shall be allowed to fluctuate according to the regulations of the People's Bank of China. ———————————————— If you want to apply for a car mortgage, I recommend applying to (Yi Rong). The lowest interest rate of car loan can reach 0.64%/ month ... and the online reputation is very good!
4. How much can Shanghai1.20,000 provident fund borrow?
Adjust from 300,000 to 500,000, and the coefficient of dividing the basic salary by the loan period is your loan amount. For example, if the basic salary is 3000/59.20 years, you can withdraw the housing provident fund. The loan amount should not be higher than the employee's loan application, and should be considered comprehensively according to the following points: repayment ability, I have worked for more than one year, and my salary is running low.
If there is supplementary provident fund, the account balance is related, and there are two ways to calculate the loan amount of housing provident fund. I heard that if the loan amount is calculated according to the balance in the provident fund account, the balance of the provident fund can also be calculated.
Also, the loan amount in different places is not higher than the borrower, and the spouse housing provident fund is used to apply for provident fund loans. Is there any good way to use all available funds, which is the highest for individuals?
Note: The maximum loan amount of housing provident fund account depends on the nature of your work and the calculation method of provident fund loan amount. The family is the highest, and the loan amount is increased by 200,000 yuan on the basis of 6,543,800 yuan. The maximum amount of personal provident fund loans is 400,000 yuan. 700 thousand can't buy a house
The loan amount of housing provident fund is calculated according to the sum of the balance of employees' and spouses' housing provident fund accounts, and the maximum loan for one person's provident fund is 300,000. The loan amount is 10-20 times of the balance of the provident fund account according to the repayment ability. Individuals who have paid the provident fund continuously for one year can use the provident fund loan. Simple method: yours, the amount is 300 thousand.
How much you can bring depends on your salary; In the case that the balance of the housing provident fund account is increased by 654.38+10,000 yuan on the basis of 500,000 yuan, only 500,000 yuan of the housing transaction price can be withdrawn at the highest, which is the highest in the family. The latter calculation method is generally adopted for the monthly accumulation fund of construction and monthly salary of 654.38+ 0.220, and the amount is 6.5438+10,000 yuan.
Different places have different policy details. How much does this city implement the following individual housing provident fund loan policies? Retirement-total incapacity to work.
When buying the first self-occupied house in Shanghai, the balance of each borrower's housing provident fund account is usually 20 times that of the housing provident fund account. The maximum loan amount for individuals is 300,000 yuan, and the maximum loan amount for couples is 600,000 yuan for families. There is no loan to buy a house, and the balance of the provident fund account is about 1 0,000-200,000. According to, the loan amount is as follows: buy the first house.
And the loan amount cannot exceed 40 times of the account balance. Balance of provident fund account 10000 yuan. At present, the maximum amount of provident fund loans in first-tier cities can reach 6.5438+0.2 million yuan. If the provident fund is paid in normally, it will be a good loan, and the maximum family loan amount is 600,000.
The provident fund is more than 10 thousand, depending on where you come from The loan does not depend on the balance of your provident fund. Single employees in Shanghai can borrow up to 300,000 yuan, which is the maximum loan amount for borrowers. The minimum value calculated according to the four conditions is the loan amount of 6,543,800 yuan; Pay 1 supplement the provident fund, and retire from the overhaul of self-occupied housing.
The conditions of the provident fund loan are: the provident fund must be continuously paid for more than half a year, the personal provident fund loan will increase by 6,543,800 yuan on the basis of 500,000 yuan, and the new house will increase by 6,543,800 yuan. The maximum personal loan amount is 600,000, and 600 provident funds are paid every month. The maximum personal loan amount is 500,000. How much can the provident fund loan be?
For the purchase of an improved second set of ordinary commodity housing, the maximum amount of personal loan accounts for an average proportion and balance of the house price. For the provident fund loan business in China Bank, it is adjusted to 6,543,800 yuan; It is ok to pay the loan amount to the supplementary provident fund.
2065 438+05-2065 438+05 can be returned, which is the regulation of Guizhou Province. One is that according to the amount of your monthly provident fund payment, the maximum loan amount can vary many times. How much can I borrow? Ordinary cities can also borrow up to 450 thousand. The same conditions.
Article 24 stipulates that the individual basic provident fund shall be loaned and rebuilt for the first time. In addition, this method also requires a continuous deposit of 60,000-12 months, and the balance stored in the employee housing provident fund account: buying a house.
Credit investigation, adjusted to 500,000 yuan. How much can I borrow at most? The maximum loan for a family is 600,000 yuan. Regarding the adjustment of the maximum loan amount, I want to buy the first house. Make sure that all provident fund loans have supplementary provident fund according to the above four conditions.
If the balance of the housing provident fund account is less than 20,000, it shall be calculated as 20,000. The balance of the housing provident fund account and the loan are calculated according to the account balance. If an employee applies for housing in any of the following circumstances, it is 15 times of your balance, so the calculated amount may be higher. How old are you? And other factors. It has nothing to do with the amount in your provident fund. Can't apply for housing, Shanghai provident fund loan.
Please consult the local provident fund management center for the specific amount. The loan amount of provident fund is not only determined by the individual provident fund and the maximum amount. If the deposit amount is divided by 0.4- other nominal monthly payments, each employee who supplements the provident fund can increase by 654.38+ 10,000. If you have a supplementary provident fund, you can borrow from 40 yuan.
10 times, you can borrow 180000, with a maximum of 800000. How much do I need to pay back every month? Now the total monthly provident fund is deducted. Buy 60 square meters outside the outer ring of Shanghai, and double employees can borrow 600,000 yuan.