You can't borrow money to buy a car without a job. A loan to buy a car requires sufficient proof of income. For office workers, proof of income is easy to provide, but if there is no job, it is more troublesome. For unemployed people, banks generally don't agree to loan applications.
Requirements for loan to buy a car:
1./kloc-a natural person aged 0/8 (inclusive) with full capacity for civil conduct.
2 have a stable and legitimate source of economic income, and have 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. Have a certain amount of self-owned funds to pay the car down payment (not loans or funds obtained through credit cards), and the down payment ratio is generally around 20% or 30% of the total car price, usually not less than 20%.
What if I don't have a job and want to borrow money to buy a car?
If you don't have a regular job, but want to borrow money to buy a car, it's not impossible. You can use your property as collateral to the bank, or provide sufficient capital flow, or find a friend to guarantee you, and the bank will also give you a loan.
Which is more cost-effective, a loan or a full car?
Buying a car by loan is definitely more cost-effective than buying a car in full, because buying a car by loan requires a lot of handling fees and service fees, and the process is cumbersome and expensive. But for young people with insufficient budget, it is also a good way to buy a car by loan, so buying a car should be decided according to their actual situation. If the budget is enough, the whole amount will be paid, and if the budget is not enough, the loan will be made.
Write at the end: Generally speaking, if the lender does not have a proper job, the bank will not approve the loan application, because the bank will think that you have no repayment ability and will reject your application, but if you have the corresponding property mortgage, the bank will still approve the loan for you according to your situation.
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Second, how can I get a loan to buy a car without a job and a house?
Shanghai-China Automobile Loan Column
I come from Neijiang. I opened an individual business department in Chengdu to sell building materials and mortgaged a house in Chengdu with my girlfriend's name written on it. Last weekend, I took a fancy to the new Regal in a 4s shop on Yangxi Line, but I wanted to save some liquidity. Can I borrow money to buy a car in this situation? Can I borrow more money? (Mr. Zhou)
Automobile loan expert
First of all, you should emphasize that your personal credit is good, otherwise no matter what loan you make, it will have an impact. As long as your girlfriend has a fixed residence and property rights in Chengdu, she can give you a counter-guarantee. At the same time, the car is mortgaged to the bank as a current asset, and the mortgage can only be handled by the guarantee company. Meet these conditions, prepare your and your girlfriend's ID card, household registration book, permanent residence certificate, income certificate and personal flow, and you can enter the mortgage processing procedure. As you said, the more loans the better. On this issue, banks make regulations according to risk management. Under normal circumstances, the maximum loan for domestic cars with less than 7 seats can reach 70%, and the down payment can reach 30%. If you want to borrow more money for business turnover, you can apply for corporate loans through other loan methods. In addition, our auto loan consultants can tailor guarantee companies and banks for you.
3. Can I borrow money to buy a car without a job and a real estate license? What materials are needed? Be specific?
Most car loans don't need real estate license, just prepare the required materials. Only a few car loan companies need real estate licenses, and the review is very strict; You can shop around and find the company loan that suits you best. Requirements for obtaining a car loan:
1, with full capacity for civil conduct.
2. Have permanent residence and valid residence status in the region.
3. The vehicle mortgage lender must have a fixed unit occupation and long-term stable income.
4. The vehicle mortgage lender has no bad criminal record and loan credit record, and the social credit is good.
5. The age of the vehicle mortgage lender is 22-55 years old, and the female is no more than 50 years old. Extended data:
Buying a car by mortgage means that the borrower who applies for buying a car pays part of the down payment first, and the lender issues loans to the buyer in installments for the rest. Application materials 1. Original identity card, residence booklet or other valid residence certificate, and provide a copy thereof; 2. Proof of occupation and economic income; 3 car purchase agreement, contract or letter of intent signed with the dealer; 4. Other documents required by the cooperation agency. After you have provided these procedures for buying a car by mortgage, you need to meet some other conditions before you can apply for buying a car: 1. Having valid identification 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.
4. What should I do if I need a loan to buy a house and have no money to buy a car?
Hello. I think renting a car is still recommended when the economic situation does not allow. There are many car rental companies now. If you rent for a long time, the monthly rent should be less than the car you provide. If you can find a private car, and there are corresponding car supplements and oil supplements, if you save, the overall car cost should be affordable. I believe that since we have met, how can this difficulty beat you? Come on, young man! Above. (p) A car of 150 a month can be rented from other places; If you don't use Saturday and Sunday, you only need 1000 yuan a month; It should be within your tolerance. I don't think it is difficult if I can quote more oil to make up a few hundred dollars, and if I can rent a credit card to manage my finances. In addition, you can get a promotion and salary increase after half a year. ) PS2, income 1800 yuan/month, vehicle rent 1000 yuan/month, can still be controlled; How to make good use of the cash flow generated by 800 yuan to solve your daily expenses? There is a ready-made tool, which is the credit card. With the minimum repayment amount (generally 10%), it can be controlled at 8000 yuan/month (80010%). How's it going? Be bold. )