Yes, provided that your monthly income is enough for repayment and at least 2000 yuan can be left as living expenses.
For example, if your monthly income is 8,000 yuan and your monthly payment is 2,000 yuan, then your car loan can be up to 4,000 yuan per month, and you can borrow 5 1000 yuan or 6,543.8+ten thousand years after annualization.
If your monthly income is insufficient, you need to add your husband and wife or your parents as repayment targets.
In the process of buying a car by mortgage, the bank requires customers to prepare personal information according to relevant regulations.
Including: marriage certificate, identity card, real estate license, income certificate, residence permit (or temporary residence permit) and other copies. ), driver's license, etc. If you are an employee of a state-owned enterprise, you need to prepare a copy of your work permit. If you are an individual and private household, you need to submit a copy of your tax registration certificate, business license and other relevant documents. And a guarantor with a local account.
There are two ways to apply for mortgage to buy a car. One is to buy a car with personal credit mortgage (generally, you are required to have very good credit, no mortgage, no guarantee, stable work income and no bad hobbies). This form of car purchase can generally be loaned for 5 years.
The other is to buy a car with real estate mortgage (with real estate license as mortgage). Generally, the mortgage loan for buying a car can last for up to 5 years.
The down payment for both types of mortgages is above 30%. The interest rate is mainly determined according to your loan type and your personal qualifications.
References:
Mortgage to buy a car _ Baidu Encyclopedia
Can I borrow money to buy a car if my credit card is in arrears?
1. You can apply for a loan if your credit card is overdue. The loan amount will be evaluated according to your debt situation;
2. Credit card arrears, with overdue records. Whether you can get a loan depends on the bank. The bank mainly examines your economic strength and repayment ability, and will comprehensively consider whether to lend or not and the loan amount according to your personal situation.
3. At present, the bank does not stipulate how many times to refuse the loan, mainly depending on the borrower's income, work, overdue situation and other comprehensive conditions.
Car loans are usually rejected for the following reasons:
1, poor credit information;
2. Insufficient repayment ability;
3. High debt ratio;
4. False information and lack of information;
Extended data:
Provisions on prosecuting credit card arrears
1. Article 196 of China's Criminal Law stipulates that if the cardholder overdraws beyond the prescribed time limit and refuses to return it after being urged by the issuing bank, the cardholder who uses a forged credit card, etc. , the amount is relatively large, can be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and impose a fine of not less than 20 thousand yuan but not more than 200 thousand yuan.
If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.
2. According to the Supreme People's Procuratorate and the Ministry of Public Security's "Standards for filing and prosecuting criminal cases under the jurisdiction of public security organs (II)", if the amount of malicious overdraft credit card is more than 10,000 yuan, it shall be filed for prosecution.
3. "Malicious overdraft" refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession and fails to return it for more than three months after being reminded twice by the issuing bank.
Malicious overdraft, the amount of which is more than 1 10,000 yuan but less than110,000 yuan, has been fully repaid before the public security organ files a case. If the circumstances are obviously minor, criminal responsibility may not be investigated according to law.
References:
Laiwu municipal government-criminal law
Can I buy a car if I owe money?
With the change of people's consumption pattern, the relationship between individuals and banks is getting closer and closer. Many young people will apply for credit cards in banks and apply for loan services when buying a car. If they have credit card debt, can they borrow money to buy a car?
You can borrow money to buy a car if you have arrears on your credit card. However, we need to remind everyone that if the amount owed by the credit card is too high, which is inconsistent with the income certificate provided by the applicant, and the applicant's total asset-liability ratio is too high, the loan application may not be passed.
To buy a car with a loan, you can choose to go to the bank to handle the loan formalities, or you can choose to handle the auto financing loan in the 4S shop. For the former, overdue credit cards are more serious, which may affect bank lending. If you choose a car financing loan from a 4S store, you can't usually apply for a loan to buy a car if your credit card is in arrears. Let's talk about bank loans and auto financing loans respectively.
I. Bank auto loans
The car loan service launched by banks has high requirements for individuals, requiring borrowers to have a stable income and a good credit report, so credit card arrears may affect bank car loans.
When you go to the bank to apply for a car loan, you need to look at the good car again, negotiate the car price with the 4S shop, then contact the bank to apply for a loan service and submit relevant information according to the bank's regulations. The loan amount will be directly allocated to the 4S store without going through the borrower's hand. After the loan is issued, the borrower needs to repay the principal and interest of the loan according to the regulations of the bank, and will charge interest when the bank handles the car loan.
Second, auto financing loans.
Almost every automobile manufacturer has corresponding automobile financial services. In order to improve their competitiveness, many auto finance companies have introduced interest-free loan services, such as 50,000 interest-free loans for two years and 60,000 interest-free loans for three years. Interest-free loans do not charge interest, but 4S shops charge loan fees for mortgage. The operation process is as follows.
1, you need to look at the car in the 4S shop first, and then talk about the car price.
2. If you choose the auto financing loan service again, you can choose it according to your actual situation. The threshold of auto financing loan is lower than that of banks. Even if your personal credit card is in arrears, you may use the loan service.
3. Pay the down payment. After the car buyer pays the down payment, the staff will start to handle the loan procedures for the customers, and individuals only need to follow the tips of the staff. Under normal circumstances, the staff can see whether the loan is approved or not within two hours after submitting the personal loan application.
4. After the auto financing loan is successful, the car buyer can drive away the purchased vehicle and start to repay the loan principal and interest the following month.
I haven't paid off my personal loan in the bank before, but now I want to buy a car and pay in installments, okay?
I haven't paid off my personal loan in the bank before, but now I want to buy a car and pay in installments, okay?
If there is no bad credit record before, you can submit an application for judgment by the bank audit department.
My husband has outstanding bank loans. Can I buy a car by installment?
This is ok, as long as his loan is not overdue for more than 90 days in the repayment process. As long as the repayment is normal, it will not affect your continued application for a loan. In addition, when the installment car you bought has been returned for more than one year, you can continue to apply for a loan from the bank. You can borrow 30 to 45 times a month from the bank for 500 thousand. You can borrow it for 65,438+02,2436 months, whichever you choose.
Is it ok to pay off the loan of 654.38+ 10,000 yuan from the bank in installments of 654.38+0 years?
Yes, please apply to the bank.
Can I get a loan from the bank when I buy a car by installment?
cannot
Can I buy a car in Meishan by stages or find a bank loan?
You can find a bank loan to complete it.
I just took out a loan and now I want to buy a car in installments. Is it okay? Does the bank allow it?
As long as you pay the money to the bank on time every month, it's no problem ~ But I think you are also in business ~ Your economy is getting more tense every month ~ Why not wait one or two years to buy a car in full ~ The store I bought this year ~ I originally planned to buy a car by mortgage like you ~ But I don't want to live as a car slave ~ I will buy it two years later ~ I hope to think twice ~ I hope to adopt it.
Can't you buy a car in installments without real estate?
Yes, as long as the repayment is made in installments within the agreed time limit.
Loan installment, car purchase and bank interest should be repaid in advance, right?
This should be stipulated by the guarantee company, not the bank. The normal car loan plan is optional. I suggest you consult the fourth S shop. Different brands will have different financial promotion schemes, but as you said, few people pay interest in advance ~
I come from Pingdingshan and want to buy a car now. Do you have an installment car?
Generally, the price above 40,000 can be basically divided into stages. I don't know which car you want to buy, you can go to the 4S shop where cars are sold. They have detailed staging procedures and will give you a clear calculation.
I have two Gitzo loans. I want to buy a car. Can I pay by installment?
The borrower has the repayment ability and can apply.
Conditions for buying a car by mortgage:
1,18-a natural person aged 65;
2. Can provide a fixed and detailed address certificate;
3. Have a stable occupation and income, and have the ability to repay the principal and interest;
4. Personal social credit is good and there is no bad credit record;
5. Holding a car purchase contract or agreement approved by the bank;
6. Other conditions stipulated by the bank.