1. Application Form: It is very important to fill out the application form for automobile consumption loan. Generally speaking, important information in the form, such as age and repayment ability, will be your application.
2. Personal data: proof of personal income of the family. All documents must be originals and copies. Usually need two copies.
3. To buy a car, you need to have a stable income source, and you need to provide your own operating bills for three to six months. Note: Under normal circumstances, the monthly contribution will not exceed the total disposable income of the family.
4. It is impossible for a third-party natural person to guarantee the loan principal and interest.
5. During the loan period, it must be insured by an insurance company recognized by the bank at one time.
6. Other conditions stipulated by the bank.
2. What are the procedures for car installment payment?
1, application form, it is very important to fill out the application form for automobile consumption loan. Generally speaking, important information in the form, such as age and repayment ability, will be an important condition for your successful loan application.
2. Personal data, household registration book, guarantor's ID card, housing certificate and personal income certificate. All documents must be originals and copies. You usually need to prepare two copies.
3. Proof of repayment. Buying a car by stages must have a stable source of income and you need to provide your own running bills for three to six months. Note: Under normal circumstances, the contribution next month will not exceed 60% of the total disposable income of the family.
4. Guarantor: A third-party natural person shall provide guarantee for repayment of loan principal and interest. Note: Husband and wife cannot guarantee each other.
5. insurance. During the loan period, one-time insurance must be handled in an insurance company recognized by the bank.
6. Other conditions stipulated by the bank.
Extended data:
Advantages of installment payment
1, long payment period and wide choice.
Some time ago, the staged car sales activities launched by merchants generally required to pay off the balance within two years. Some merchants extend the payment period to 40 months, and the monthly payment is greatly reduced. The monthly payment is only a few hundred yuan, which is more attractive to consumers. At the same time, the down payment has also been appropriately reduced. As long as the down payment of Changan car in Ordnance Auto Trade is 3000 yuan, a mid-range color TV can drive the car home.
Businessmen are very enthusiastic.
In the current market environment of car fans, installment payment is regarded by many businesses as an effective means to seize market share.