Loans must meet the conditions before they can be issued. Loan application conditions:
1, if you want to have a fixed income, it depends on the salary details;
2. At least 18-65
3. If the loan is used for business or purchase.
4. Good credit information. Loan application materials: 1, with good credit information; 3. The bank card under the lender's name has been flowing for nearly half a year without interruption; 4. Lender's residence certificate (rental contract, real estate license, and nearly three monthly tickets);
5. The work unit of the lender is opened.
6. Social security, insurance policies and provident fund can also be loaned on a monthly basis. If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars.
2. What are the requirements for applying for a car loan in a bank?
When you apply for a car loan in a bank, you need to judge the conditions you need to meet according to the nature of the loan you apply for. At present, car loans are divided into personal car loans, dealer car loans and institutional car loans. Different types of car loans need to meet different requirements.
First, the law clearly stipulates the conditions that car loans need to meet.
Articles 9 and 10 of the Measures for the Administration of Automobile Loans (1) clearly state that individual automobile loans shall meet the following conditions at the same time:
(1) People's Republic of China (PRC) citizens, or Hong Kong, Macao and Taiwan residents and foreigners who have lived in People's Republic of China (PRC) for more than one year (including one year);
(2) Having a valid identity document, a fixed detailed address and full capacity for civil conduct;
(3) Personal legal assets with stable legal income or sufficient to repay the loan principal and interest;
(4) Personal credit is good;
(5) Having the ability to pay the down payment stipulated in these Measures;
(6) Other conditions required by the lender.
(seven) the lender's credit rating of the borrower;
(8) Loan guarantee;
(nine) the performance and use of the purchased car;
(ten) the development of automobile industry and the supply and demand of automobile market.
Paragraph 2 of Article 14 of the Measures for the Administration of Automobile Loans clearly states that applying for an automobile loan from a dealer shall meet the following conditions at the same time:
(1) Having the Business License for Enterprise as a Legal Person and the annual inspection certificate issued by the administrative department for industry and commerce;
(2) Having a certificate issued by the automobile manufacturer to sell cars as an agent;
(3) The asset-liability ratio does not exceed 80%;
(4) Having a stable legal income or legal assets sufficient to repay the principal and interest of the loan;
(5) The dealers, senior managers of dealers and customers who accept loan applications as agents have no major breach of contract or bad credit records;
(6) Other conditions required by the lender.
Item (3) of Article 19 of the Measures for the Administration of Automobile Loans stipulates that the applicant's automobile loan must meet the following conditions:
(1) Having the business license of enterprise as a legal person or the certificate of institution as a legal person issued by the registration authority of enterprises and institutions, and other legal documents proving that the borrower has the legal person qualification;
(2) It has legal and stable income or legal assets sufficient to repay the loan principal and interest;
(3) Having the ability to pay the down payment stipulated in these Measures;
(4) No major breach of contract or bad credit record;
(5) Other conditions required by the lender.
Second, according to personal experience, at this stage, when handling car loans in banks, sales organizations usually directly bring information to accompany the parties to handle personal loans in banks, and banks will check the applicant's conditions and related credit and income levels to determine the loan amount, term, interest rate and repayment method.
Considering that the requirements for car loans will vary from place to place, the specific local car loan conditions need to be consulted with local banks.
Reference data
1. Articles 9 and 10 of the Measures for the Administration of Automobile Loans. China Banking Regulatory Commission
Article 14 of the Measures for the Administration of Automobile Loans. China Banking Regulatory Commission.
Article 19 of the Measures for the Administration of Automobile Loans. China Banking Regulatory Commission.
3. What are the conditions for buying a car with a loan?
The basic conditions for buying a car by loan are as follows: 1, a natural person with full capacity for civil conduct who is over 18 (inclusive). 2, a stable and legitimate source of economic income, with the ability to repay the loan principal and interest on schedule. 3. Personal credit is good, and there are no bad records or serious negative information in the credit report (banks and auto consumption finance companies will mainly inquire about the credit information of customers in the past two years). 4. There is a certain amount of self-owned funds to pay the down payment of the car (not the funds from loans, nor the funds paid by credit cards), and the down payment ratio is generally around 20% or 30% of the total car price, usually not less than 20%. If the customer's credit is average, it is suggested to find another person with good credit to guarantee his loan, which can provide appropriate help and improve the chances of loan approval. People with poor credit information may not be able to get a car loan in a short time. Customers are advised to buy in full or postpone the purchase, and take the time to improve their credit first. Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers. Car loan type Personal loan car purchase business can be divided into direct loan, indirect loan and credit card car loan. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan. The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different. In addition to the above fees, the car loan of individual auto financing companies also needs to bear the supervision fee, fleet management fee and warranty renewal deposit. And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records. The specific steps of buying a car by credit card are roughly as follows: 1. The cardholder (or applicant) calls the credit card center of the bank or goes to the local bank to find out whether he can apply for a credit card car loan. 2. The cardholder holds his ID card to the dealer's site to fill in the installment order for car purchase and submit it to the bank for review. 3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures. 4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance. 5. I can finally drive away smoothly. The maximum loan amount generally does not exceed 80% of the price of the purchased car. Loan conditions 1, valid identity and full capacity for civil conduct; 2. Can provide a fixed and detailed address certificate; 3. Have a stable occupation and the ability to repay the loan principal and interest on schedule; 4. Personal social credit is good; 5. Holding a car purchase contract or agreement approved by the lender; 6. Other conditions stipulated by the Cooperation Organization.