1. Conditions of truck loan. /kloc-a natural person aged 0/8 to 60 with full capacity for civil conduct; Have legal identity documents, local permanent residence or valid residence certificates; In addition, individuals applying for truck loans should have stable professional income or assets that are easy to realize, and can repay the loan principal and interest on schedule; The lender's own funds are sufficient to pay the down payment for car purchase stipulated by the lending institution; The lender must provide a guarantee recognized by the bank; The lender is willing to accept other terms deemed necessary by the bank.
2. Truck loan method: dealer's car loan. Compared with banks, car owners can enjoy the advantages of simple procedures, quick handling and flexible repayment methods when applying for loans from dealers. Credit card installment payment. Many people who want to buy big things pay by credit card in installments, and truck loans can also be bought in this way. Buying a car with a credit loan and buying a truck with a credit loan are also one of the main ways of truck loans. This method is relatively simple and does not require mortgage registration. Personal credit qualification alone can win the full trust of lending institutions. The loan amount is generally about ten times your monthly income, with a maximum of 500,000. The mortgage loan is unqualified. Buying a car with a mortgage loan is a good choice. Moreover, the interest rate of this loan is relatively low, and the maximum loan amount is 70% of the assessed value of the collateral.
3. Precautions for truck loans: The longest loan period of truck loans shall not exceed five years. Within the prescribed period, the lender must repay the loan in full and on time. If the truck lender fails to repay the loan on time for more than two months, then the car dealer has the right to take back the car (90% of the car price). Many items of truck loans are similar to those in automobile mortgage, so you can refer to them. However, some key points are different, so it must be noted that before applying for a truck loan, it is best to go to the car dealer or financial institution to get detailed information to avoid unnecessary inconvenience. At present, the general loan companies and truck agents in the sales market have no special regulations on the household registration of truck loan applicants. In other words, they can apply for truck loans without local household registration, but they must show the real estate or other collateral recognized by the loan company, which will be slightly inconvenient in the whole application process. However, according to the rules of the loan company, we firmly believe that loan success is not a problem.
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