Legal subjectivity: loan is a form of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Conditions for loan to buy a car: 1. The borrower must have stable professional and economic income or assets that are easy to realize, enough to repay the loan principal and interest on schedule; 2. The lender's own funds are sufficient to pay the down payment for car purchase stipulated by CCB; 3. The lender must provide a guarantee recognized by the bank; 4./kloc-citizens over 0/8 years old with full capacity for civil conduct; 5. Have legal identity documents and local permanent residence or valid residence certificates; 6. The lender is willing to accept other conditions deemed necessary by the bank.
Legal objectivity: Article 148 of the Company Law of People's Republic of China (PRC), directors and senior managers shall not commit the following acts: (1) misappropriating company funds; (2) Opening an account for the company's funds in its own name or in the name of other individuals. (3) Lending the company's funds to others or providing guarantee for others with the company's property without the consent of the shareholders' meeting, the shareholders' general meeting or the board of directors, in violation of the provisions of the company's articles of association; (four) in violation of the articles of association of the company or without the consent of the shareholders' meeting or the shareholders' meeting, enter into a contract or conduct a transaction with the company; (5) Without the consent of the shareholders' meeting or shareholders' meeting, taking advantage of his position to seek business opportunities belonging to the company for himself or others, and running the same business as the company he works for; (6) Accept the entrustment of others and take the transactions with the Company as your own. The income of directors and senior managers who violate the provisions of the preceding paragraph shall be owned by the company.
2. Can I buy a car (my own company) with a loan in the name of the company? 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.
3. Are my conditions suitable for applying for a car loan?
Yes, 30-50% down payment.
General dealers will provide you with loan services, and they will tell you the specific operation. What you need to prepare is a one-month income certificate issued by the company, which proves that your monthly income is twice the amount of repayment. If you are married, you should also issue a spouse's income certificate.
● Operation process
-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 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 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 (announced by the People's Bank of China)
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/year.