To apply for personal car loan in China Bank, the borrower should meet the following conditions: 1, a natural person with full civil capacity; 2. Effective proof of personal identity; 3. Have the legal ability to repay the loan principal and interest; 4. Good personal credit; 5. Holding a car purchase contract, agreement or letter of intent approved by the handling bank; 6. Providing collateral (pledge) recognized by the handling bank or individuals or units with sufficient compensation capacity to provide irrevocable third-party joint liability guarantee; Or provide corresponding materials that meet the customer access conditions of the Interim Measures for the Administration of Personal Credit Revolving Loan Quota of Bank of China; 7. Proof of the down payment ability of the car purchase limit stipulated in these Measures; 8. Other conditions stipulated by the handling bank. Because there are some differences in different regions, please consult local institutions in detail when applying for loans.
The above contents are for your reference. Please refer to the actual business regulations.
Who is suitable for buying a car with a loan?
Nowadays, it is not difficult to buy a car. Some college students have their own cars for a long time, but buying a car is basically based on needs. Of course, some people just like buying cars. In the way of buying a car, there are also many people who buy a car in full and borrow money.
Nowadays, loan to buy a car has become a way strongly encouraged by many car dealers, and many new car loan businesses have emerged. However, not everyone is suitable for buying a car with a loan. To sum up, there are four types of people who are more suitable for buying a car with a loan.
The first category: people in the early stage of starting a business.
Why is such a person suitable for loan to buy a car? Because entrepreneurs need to improve their appearance at the beginning of their business, it is definitely necessary to buy a car. If they had a car from the beginning, it would be easier to run a business and easier to be recognized. Because of the shortage of funds, borrowing money to buy a car will be the best choice, which can free up capital turnover.
The second category: people with high expected annualized expected return investment channels.
You have to pay interest on the loan. If you have enough ability to pay interest, for example, if you have an investment channel with high expected annualized expected return, and the expected annualized expected return can cover the loan interest, you can consider buying a car with a loan, so that you can use your flexible funds to invest and get more expected annualized expected return.
The third category: people who get married and have children.
It is also necessary for married people with children to buy a car. After all, it is not very convenient to take the children out to get married and take other means of transportation. It is very convenient for a family to travel or go to work with a car. However, such people usually spend a lot of money on daily expenses and don't have much money to pay for the whole car, so it is most appropriate to borrow money to buy a car, which can also spread the pressure of repayment and will not affect their normal life.
The fourth category: people with strong repayment ability.
Whether it is suitable to buy a car with a loan depends on the borrower's own economic income. If he has a stable job and income and strong repayment ability, he can consider realizing his dream of owning a car through a loan if he can't pay the full amount for a while.
In fact, who is suitable for buying a car with a loan? There is no standard answer to this. No matter who wants to get their favorite car through a loan, they can try, but whether they can get a car loan smoothly depends on their personal situation.
What kind of person is suitable for buying a car with a loan?
1. I really don't have enough principal at hand, so I can't buy a car without a loan. I still want to buy a good car in one step. Some young people may only have enough money to buy a Volkswagen Polo, but there is a minicooper in the small universe. 2. There are stable investment channels, and the cost of car purchase such as handling fees, interest and insurance is less than the income from your own investment. Suppose you meet such a dealer: interest and handling fee are free, insurance is not compulsory, and GPS is not necessarily installed. Please cherish it. I'm afraid there are not many honest and frank dealers. A car is very important for work, and buying a car can bring higher income. For example, small business people use it to pull goods. I may not have much money in my hand, but I can afford it after I get a loan to buy a car.
What conditions do you need to buy a car with a loan?
You can find a bank or an auto financing company for car loans, but no matter which channel you use, the basic requirements for borrowers are similar, as follows:
1. The borrower must be a legal citizen, hold a valid ID card and have full capacity for civil conduct;
2. The borrower's age cannot be less than 18 years old, nor can it exceed the prescribed maximum age. Some are 55 years old and some are 60 years old.
3. In terms of the borrower's qualification, first, it must have good credit; One is that the income from work is stable, solvent, and can be in debt, but not too high.
4. The borrower must pay a down payment of not less than the specified proportion before the loan, some are 20% and some are 30%.
5. The borrower can also provide collateral or collateral or third-party guarantee.
In addition to meeting these requirements, the borrower also needs to provide relevant documents, including but not limited to his valid identity certificate, income certificate stamped with the company's fresh seal, down payment certificate, bank card running water, etc. And give the lending institutions everything they need, every penny.
When people use the central bank's credit records, they will leave traces of inquiry, which is not good for lending friends, and most online loans are not credit-seeking, so they can't find specific online loan information when they are credit-seeking, but now they can learn their personal data through "Beijian Quick Search" data, and at the same time, they can learn more online loan overdue information, application records, untrustworthy information, blacklists and other information without leaving traces.
Extended data:
Can I borrow a car for five years?
Most lending institutions can only provide services for three years at most, and it is difficult to lend for five years under normal circumstances. But if the borrower buys a car with a credit card at the bank, he may be able to provide a loan period of up to 5 years.
It is suggested that before handling the car loan, it is best to consult several banks or auto financing companies to see if they can provide a five-year loan period. If not, there is no way out.
What are the requirements for applying for a loan to buy a car?
What are the requirements for applying for a loan to buy a car?
The conditions of car loan (1) are 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. Car loan application materials (1) original ID card, household registration book or other valid proof of residence, and provide its copy; (2) proof of occupation and economic income; (3) car purchase agreement, contract or letter of intent signed with the dealer; (4) For other general loans required by banks or lending institutions, you submit personal loan requirements and general information to banks or loan product agencies, and then the bank conducts a preliminary review of the loan application of the loan applicant and arranges a special person to contact the loan applicant. If they contact and pass the preliminary examination, they will guide the loan applicant to provide the required materials, then review them and finally reach a loan. General loan applications need the following materials, which can be judged by yourself-the original and photocopy of the borrower's valid identity certificate; Local permanent residence or valid residence identity certificate, and the borrower's loan repayment ability certificate. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc. The borrower's pledge right, the list of collateral and ownership certificate required to obtain the amount of pledge and mortgage, and the written document that the owner and the real estate * * * agree to pledge and mortgage. A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount. Credit certification materials of the guarantor. Collateral appraisal report issued by the appraisal department recognized by the society and other documents stipulated by the bank are convenient for loan fraud prevention in China. Remember: In fact, the tricks of swindlers are very simple, which can be summarized as follows: (2) Don't dare to disclose the company name, can't provide the company's business license or the company has no investment scope, can't provide formal contract texts and invoices, and can't even give you a fixed phone number. You only know the other person's cell phone, but you can't even see the other person's face. (3) Before the loan arrives, you should charge your so-called travel expenses, interest, handling fees, attorney fees, etc. Anyway, it means asking for money. After you get it, you won't be treated again.
I hope I can help you.
Bad credit information affects the loan to buy a car. How can I apply for a loan to buy a car
If you intend to apply for a personal loan in China Merchants Bank, whether the approval can be passed is based on the comprehensive evaluation of the business type, personal solvency, credit status and other factors, 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 the local China Merchants Bank outlet for further verification.
Do I have to install VPS when I buy a car with a loan?
Stop pretending.
Conditions for applying for loan business:
1,18-a 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 and no bad records;
5. Other conditions stipulated by the bank.
What are the conditions for buying a car with a loan?
You can do without real estate, as long as you have social security card, ID card and income survey, let 4S help you!
Ask for a loan to buy a car, and ask for a loan from Beijing to buy a car!
Conditions:
1. Have 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;
This is what I learned by taking out a loan to buy a car last year. I'm not very professional about specific things. Last year, I went to Beijing Taihexing Investment Management Co., Ltd., and their company address is 26th floor, Building 6, Jianwai SOHO6, Chaoyang District, Beijing. . . I have been looking for my business card for a long time! ) hehe! Go and have a look, I hope I can help you!
Do I have to install gps when I buy a car with a loan?
Banks do not require consumers to buy GPS positioning systems. In this regard, it is illegal for car dealers to force consumers to buy GPS positioning systems, which is suspected of compulsory tying. But buying a car with a loan is very risky. In order to keep abreast of vehicle movements, some cooperative banks also require consumers to buy GPS equipment.
What are the procedures for buying a car with a loan?
-First, the customer applies to the car dealer for mortgage, and then the guarantee company requires the customer to prepare personal data according to relevant regulations. These materials include: ID card, income certificate, marriage certificate, and copy of residence certificate (household registration or temporary residence permit, etc.). ), house property certificate, driver's license. If the owner is an employee of a state-owned enterprise, a copy of the work permit is required. If the owner is an individual and private household, copies of business license, tax registration certificate, organization code certificate and other relevant documents are also required. Of course, you also need a guarantor with a local account. After the information is fully prepared, the guarantee company will make a door-to-door investigation and report it to the bank after confirming the truth. Finally, banks sign loan contracts with customers.
-guarantee fee
—— A guarantee company disclosed the charging standard to the reporter: the site investigation fee is 300 yuan in the Third Ring Road and 500 yuan outside the Third Ring Road; According to the loan period, the file management fee is charged annually in 200 yuan; After signing the loan contract with the bank, the customer pays the guarantee fee to the guarantee company. The amount of guarantee fee depends on the loan amount and loan term. At present, the loan period for buying a car in Chengdu is generally five years and the loan period is one year. The guarantee fee is 1.4%- 1.6% of the loan amount. The loan is two years, and the guarantee fee is 65438+ 0.8%-2% of the loan amount; The loan is for three years, and the guarantee fee is 2.5% of the loan amount. At present, most car owners who borrow money to buy a car choose a three-year loan period.
-● Precautions
-In addition to the above-mentioned necessary information, there are still some problems to be noted: if the customer's household registration is not in this city, the police station needs to issue a temporary residence permit; For customers who have no real estate, they need a person with real estate as a guarantee; When the customer is in mortgage to buy a house, he should issue a copy of the purchase contract and a repayment passbook; Customers who have real estate but are still processing the property right certificate need a certificate from the relevant real estate company.
-In addition, if the customer can also issue academic credentials, deposit certificates, water and electricity payment vouchers, etc. The loan application will be easier to pass.
-Buying a car with a loan also involves auto insurance. At present, only the third party liability insurance is compulsory among the types of automobile insurance. However, if you buy a car by mortgage from a guarantee company, in addition to the third-party liability insurance that you must buy, you also need to buy the whole car theft insurance, car damage insurance and special insurance without deductible.
What is automobile consumption credit?
In other words, the RMB guaranteed loan issued to the borrower who applies for car purchase is a one-time guaranteed loan provided by banks and car dealers to car buyers, and insurance companies participate together to provide corresponding credit insurance for car buyers.
How to calculate the interest on loan car purchase?
Based on the initial loan amount, it is calculated according to the bank loan interest rate when signing the contract. If the bank interest rate changes during the repayment period, it will be adjusted with the interest rate and remain unchanged for one year.
How to calculate the monthly loan for car purchase? Automobile dealers generally use the method of equal monthly repayment of principal and interest, and the calculation formula is:
Monthly repayment amount = loan principal × monthly interest rate loan principal × monthly interest rate ÷ car loan period?
Taking one month as a cycle, the current loan car purchase cycle does not exceed 60 periods (that is, 5 years), but it needs to be determined according to the user's situation, model and purpose. If the purchased vehicle is used for business purposes such as rental operation and car rental, the longest period is generally not more than 36 periods (i.e. 3 years).
Can I repay the car with a loan in advance?
Yes, it is ok to pay the remaining car fare in advance if the user asks for it within the payment period. However, it is necessary to inform the lending bank in advance, and no interest will be charged after the next month of the payment month.
What is the bank's loan interest rate during the loan car purchase period?
That is, the loan interest rate announced by the bank at the time of signing the contract shall prevail. The interest rate for the same period refers to the interest rate for the same loan term.
What about the price adjustment of similar models during the loan car purchase?
During the payment period, if the car price is adjusted, whether it is upward or downward, it will not affect the original price, and the customer will still pay according to the price standard signed in the contract when buying the car.
What fees do I need to pay for a car loan?
I. Insurance cost
1, vehicle loss insurance:
Passenger cars with less than 6 seats = insured amount × 1.2%240 yuan.
Passenger cars with less than 6 seats = insured amount × 1.2%600 yuan.
2. Third party liability insurance:
Bus with less than 6 seats: 50,000 seats, 936 yuan, 100 seats 170 yuan.
Passenger cars with more than six seats: 50,000 seats 1053 yuan, 654.38+10,000 seats 13 14 yuan.
3. Annual theft and rescue:
The rate of passenger cars with less than 6 seats is1%; The rate for passenger cars with more than six seats is 0.8%.
Santana series car rate is 1. 1%.
The calculation formula is: premium payable = insured amount × rate.
4. No deductible insurance:
(Car damage insurance premium, third-party premium) ×20%
5. Credit insurance: based on the loan amount and calculated according to the number of years;
One-year 1% to five-year 2.2%.
Second, the guarantee fee
Based on the loan amount, calculated on an annual basis.
One-year 1% to five-year 3.5%.
Three. Bank loan interest rate (published by China People's Bank in 2002)
1- 12 months annual interest rate 4.78% monthly interest rate 0.44%24 months annual interest rate 4.94% monthly interest rate 0.4575%
13-36 months annual interest rate 4.94 1% monthly interest rate 0.4575%37-48 months annual interest rate 5.022% monthly interest rate 0.465%49-60 months annual interest rate 5.002% monthly interest rate 0.465%.
Four, vehicle purchase surcharge (before the implementation of the new regulations)
Taxable (domestic car) = car payment (including tax)/1. 17× 10%.
Five, automobile inspection license fee
The cost of vehicle inspection and licensing ranges from 300 to 500 yuan.
6. Vehicle use tax is about 200 yuan/year, and road maintenance fee (5 vehicles) 1320 yuan/
Can self-employed people borrow money to buy a car?
If you can't apply for a loan in a bank without a business license, you can apply or apply for an online loan.
Conditions for applying for loan business:
1,18-a 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 and no bad records;
5. Other conditions stipulated by the bank.
What conditions do you need to buy a house with a loan?
Buying a house with a loan requires the following conditions:
Have a valid identity card and proof of marital status;
Good credit record and willingness to repay; A steady income;
Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house;
Open a personal settlement account with a valid guarantee in the bank.
After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.
People are most concerned about the conditions and procedures of mortgage loans. First of all, the information needed to apply for a mortgage loan is:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
What is the minimum requirement for a car loan?
Have a steady income.
There is cash for the down payment.
Ability to repay every month.