Have the ability to repay the principal and interest, have a fixed source of income, and the monthly repayment amount does not exceed 60% of the total disposable family. A third-party natural person provides guarantee for repayment of loan principal and interest (note that husband and wife are not allowed to insure each other).
During the loan period, you must take out the motor vehicle consumption loan guarantee insurance in an insurance company recognized by the bank at one time, and continue to take out motor vehicle insurance. If there is no bad credit record, customers can provide real estate licenses or other property certificates, and the approval rate will be greatly improved.
Extended data:
The installment car purchase is introduced as follows:
Determine the model and color of the car to be purchased before the loan, and sign a car purchase contract after talking about the discount and gift of the good car, including other expenses. Fill in the relevant loan application form and submit the required personal data to the bank for approval.
The bank will decide whether to approve the loan according to the applicant's occupation, qualification and personal credit record. About 10 working days after paying off the last car loan, contact the loan bank in time, apply for the loan settlement certificate, and get back the motor vehicle registration certificate and car purchase invoice mortgaged in the bank.
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