You can borrow money to buy a car in the name of the company. However, if the company's shareholders misappropriate the company's funds and open an account in their own name or in the name of other individuals, the vehicles obtained from the loan contract concluded between the shareholders shall be owned by the company. The People's Bank of China shall not provide guarantee to any unit or individual.
Things to prepare for buying a car
There is also the income certificate of the company unit, as well as its own deposit certificate and so on. If you buy during the dealer's disposition period, you should sign a car purchase contract with the dealer. Then the last thing to be provided is the balance of a bank card. The balance of this bank card cannot be lower than the down payment. Only when dealers and banks know that everyone has a certain purchasing power will vehicles agree to borrow money to buy a car.
Then the last thing is to mortgage the car, such as the company's bank card or the rent. If there is no return at that time, then dealers and banks can also take the mortgaged things.
It is important to pay back on time.
The amount of collateral must exceed the amount of the loan vehicle, and only in this way can it be handled. Then if you borrow money to buy a car in the name of the company, you need to make records, such as prepayment, which is very important. Because once overdue, it will affect a company's reputation.
Certificates to be provided
The company's business license also needs to be brought. Only with a business license, dealers and banks will know that this company is formal. And if necessary, it is also necessary to provide banks and distributors with the company's annual income or monthly income. In fact, it is really troublesome to borrow money to buy a car and a house, but it is also to protect the legitimate rights and interests of dealers and banks.
1. If you want to buy a car in the name of the company, you have to apply for a loan from the company as a legal person, because it involves tax payment;
2. Legal person ID card, marriage certificate, household registration book, company tax return within three months and business license are required.
3. The guarantor's ID card, marriage certificate and household registration book.
Pay attention to buying a car with a loan.
When all the formalities are completed and ready to pick up the car, the car dealer asks the consumer to pay a certain amount of cash to pick up the car on the basis of the original fixed car purchase price.
Dealers will give many reasons, such as the increase in car prices during the full payment period, or there is no excuse to go through some formalities within the specified time. Remind you, before buying a car, you must choose and understand the formal automobile sales and financing guarantee companies to handle automobile mortgage business.
legal ground
Interim Measures for the Administration of Personal Loans
Article 11 An individual loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.