Is it easy to get a car loan now, Zhihu?

It is easy to apply for a Ford car loan. It is very easy to apply for a car loan now. Just provide identification.

Is it easy to approve car loans?

Auto loan approval is the same as other loan approval. Whether it can be approved depends mainly on the qualifications of the loan applicant. Theoretically, as long as users meet the application requirements of loan products, it is relatively easy to pass. But overall, the application threshold of car loan is higher than credit loan, but lower than mortgage loan. Applicant 18 years old or above, has a stable work unit and income source, personal debt ratio is less than 50%, no bad credit record, and the probability of obtaining a car loan is high.

The reasons why the car loan passed and failed are as follows:

Car buyers have insufficient repayment ability and unstable willingness to repay.

1. The repayment ability is weak. The management will evaluate the repayment ability of customers through their income level and liabilities. Customers are generally required to pay their wages to the bank. If the evaluation is unqualified, it proves that the loan will be rejected. Therefore, when the mortgage specialist collects information, if he finds this problem of the customer, he should ask the customer to supplement other income certificates or asset ownership certificates in time to improve the customer's qualification and loan pass rate;

This job is unstable. Most employers usually require their customers to have a stable job, because a stable job means a relatively stable income. If the customer is a freelancer, with high or low income and frequent job changes, it is difficult to obtain loan qualification. Of course, different employers have different evaluation conditions for job stability.

3. High debt ratio. Debt ratio is also an important factor for employers to evaluate customers' repayment ability. If the debt ratio is too high, the loan will naturally be rejected, because there is a high risk that the customer will not be able to repay. Taking banks as an example, it is stipulated that if the total monthly loan repayment of customers is higher than 50% of monthly income, it will not be approved.

Doubts about the purpose of buying a car

The so-called earmarking, financial institutions also need to confirm whether consumers have a clear purpose and willingness to buy a car, otherwise it will bring the risk of overdue or default.

1. Except immediate family members and spouses, you cannot apply for a loan on the grounds of buying a car for others. For example, consumers say that they are boyfriends or cousins who buy cars, and financial institutions will refuse to lend money because of the risk of default;

2. The price of a new or used car is 20,000 to 30,000 higher than the guide price or market price. Even if consumers lose their minds at the beginning of buying a car and buy a car, will they suddenly wake up and feel that the car has sold tens of thousands more? Even if the financial institution takes back the car and sells it in the second-hand market, it will not make up the loan amount. Similarly, if the car condition is obviously bad, financial institutions mortgage assets with distorted values;

The customer service called the consumer and the consumer didn't know anything.

Is it easy to buy a car with a loan?

Question 1: How about buying a car with a loan? It is not cost-effective to borrow money to buy a house. There are two kinds of loans, one is from banks, and the other is from auto sales companies or finance companies. If you borrow money from the bank, it's not worth it. If you want to borrow money from a finance company, there are too many conditions imposed on you. It is better to save it for a while and buy it in full. If the money difference is not too much, you can borrow it from a friend!

Question 2: How about buying a car with a loan? What are the advantages and disadvantages? Let me give you an example. I bought the ideal Chevrolet new Sail 1.4, with a down payment of 30%, a five-year mortgage: 64,800 for the car, 4 153 for the purchase tax, and 4,320 for all risks. 30% down payment (car price 648000.3 = 19440 yuan), plus the license fee, taxes and fees for the first year, all risks, etc. A total of 32,000 was paid (the price of the car was raised). Pay 1035 yuan in May, and the remaining four years must be fully insured every year. At present, the fuel cost is around 500 per month (there is not much commuting), and it is maintained once every 5,000 kilometers. It's exactly 1 year since I bought a car, and now it's 1 000 km. A * * has done maintenance twice, the first maintenance is free, and the second maintenance is in 500 yuan (including working hours).

I don't know how many years you will do it. Mine has been five years, and it's capped. Now it can only be mortgaged for five years at the longest. The shorter the mortgage time, the less interest.

I feel that if you don't have too much financial burden (such as children, mortgage, etc. ), this car can still be bought. After all, it is good to have a car, such as going out with friends occasionally, going out without worrying about the wind and rain, blowing heating in winter, turning on air conditioning in summer and so on. In a word, I think the money is well spent.

The condition for applying for a loan must be a property certificate. If not, you have to find a guarantor with real estate to guarantee you. You should also show proof of income, and the monthly salary should be 2 to 4 times the monthly repayment amount.

There is no bad bank credit record, such as a credit card with a record of your repayment.

4S stores also charge a handling fee of 2,000 to 4,000 yuan.

Question 3: Is it better to buy a car in one lump sum or to borrow money to buy a car? Generally speaking, one-time payment is easier and cheaper than installment payment, but as you said, it will take about half a year, so just before the peak period of buying a car, the price of the car is higher than usual, and many styles have to be queued. You may not be able to buy it then. I suggest you buy it now. The car price is low, so don't wait. August 15, Chinese new year, is convenient for playing and giving gifts, but also has face. As for the model and procedures, it is simple, and both 4s stores know it.

Question 4: Is it easy to buy a car by bank mortgage? Nowadays, many people agree with the concept of buying a car with a loan, enjoying it first and repaying it later. When many young people plan to buy a car, they will think of getting a car loan. The following is a detailed interpretation of the procedures that need to be handled to buy a car with a loan. First of all, you need to know the basic conditions for handling personal car loans:

/kloc-citizens over 0/8 years old with full capacity for civil conduct;

Have legal identity documents, local permanent residence or valid residence certificates.

This is the basic condition for handling car loans. Let's take a look at the specific process of buying a car with a loan.

The process of buying a car with a loan:

1: The borrower submits the loan application materials to the bank;

2. The bank conducts a preliminary examination of the application materials submitted by the borrower;

3. The bank conducts credit investigation and customer evaluation on the borrower;

3. The bank examines and approves the loan application that meets the loan conditions through preliminary examination and credit investigation;

4. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower;

5. After the loan contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.

When applying for a loan to buy a car, you need to know:

1

What you need to know when you borrow money to buy a car: the interest-free handling fee for car loans is inevitable.

At present, many auto financing companies have launched interest-free car loans, but the regulations on handling fees are different, some need to be charged, and some don't. If the car you want to buy is interest-free and fee-free, it is still relatively affordable. If you need to charge a handling fee, you must carefully calculate and measure it. The handling fee of car loan is generally between 4% and 7% of the total car payment, and the handling fee is paid at the same time as the first month payment. If the handling fee is too high, consider other types of car loans.

2

What you need to know about buying a car with a loan: read the relevant insurance clauses carefully before applying for a car loan.

Handling a bank loan to buy a car is to mortgage the car to the bank before the bank loan is paid off. In order to reduce the risk, banks generally require to buy some auto insurance as a loan condition in the car loan contract. The premium of these insurances may not fully meet your requirements, and may even be too high. Therefore, when applying for a car loan, you must carefully read the relevant insurance clauses and measure the cost of this car insurance.

three

What you need to know about buying a car with a loan: there are restrictions on buying a car with a zero interest rate loan.

Many car manufacturers will cooperate with car loan agencies to launch zero-interest loans to buy cars, usually middle and high-end cars. However, if you buy a car with a zero-interest loan, you can't enjoy the cash discount of the car type, and sometimes the amount of these cash discounts is quite large. Therefore, if you want to apply for a zero-interest loan to buy a car, you need to comprehensively measure whether the total price of the car loan is acceptable.

four

What you need to know about buying a car with a loan: consider floating car fees and loan interest rates.

Generally, when interest-free loans are used, the total car price will increase to a certain extent, because the price of 4S shops is slightly different for customers who buy cars in cash and loans. In this case, it is necessary to calculate whether the floating amount of the loan to buy a car exceeds the total amount of personal credit and cash to buy a car. If it exceeds, you may wish to apply for a personal credit loan. If not, you can apply for an interest-free loan.

end

Information to be prepared when applying for a loan to buy a car:

1: personal loan application;

2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;

3. Household registration certificate or long-term residence certificate;

4. Personal income certificate, family income or property certificate when necessary;

5. Certificate of intention to buy a car issued by the car dealer;

6: Loan to buy a car down payment certificate;

7. If the purchased vehicle is secured by other means than mortgage, the relevant materials of the guarantee shall be provided, including the pledge certificate, the ownership certificate and evaluation certificate of the mortgaged real estate, and the letter of intent for third-party guarantee, etc.

8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the affiliation agreement and lease agreement for the vehicle to be affiliated with the transport fleet;

9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by CCB; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc. ...

Question 5: Is it so difficult to buy a car by mortgage? Down payment: 40% ID card, marriage certificate, household registration book, real estate license, business license, money! ! Note: If you are single, you need to find a guarantor. There are three ways to buy a car by mortgage: auto financing company, intermediary guarantee and bank loan. Consumers can choose according to their own needs. Generally speaking, the interest rate of auto financing companies is relatively high, but the procedures are relatively simple, while the interest rate of banks is relatively low, but the procedures are relatively cumbersome. Property mortgage is usually needed, and the business of buying a car through an intermediary has just begun. Auto finance companies provide mortgage loans. Auto finance companies are non-bank financial institutions funded by automobile manufacturers and providing financial services to automobile buyers. In China, its establishment and change must be approved by the CBRC, and its service content and scope must also be supervised by the CBRC. The most important function of an auto financing company is to provide auto loan services for consumers, in addition to providing loans for auto dealers to purchase vehicles and operating equipment, and providing guarantees for auto loans and other credit businesses approved by the CBRC. The loan term of an auto financing company is generally 12-60 months, and the down payment is not less than 20% of the sales price of the vehicle, so the guarantee, household registration restrictions and real estate mortgage are exempted, and interest is the only expense. Among them, the public financing interest rate is: three-year interest rate: 6.88% (monthly payment 1 ten thousand yuan is 3 10), and five-year interest rate: 6.99% (monthly payment to 200 yuan). The GMAC interest rate is: 3-year annual interest rate: 6.99% (10,000 yuan monthly payment of 309), and 5-year annual interest rate: 7.33% (10,000 yuan monthly payment of 200). At present, the intermediary guarantee bank mortgage can greatly shorten the review time by borrowing from the guarantee company, the fastest time is only 1 day, and the slower time is only 2 days. Dealers can assume the role of guarantee companies, so that customers can buy cars only through car dealers, who can directly handle loans, insurance, maintenance and other services for customers. It is reported that the biggest problem for car dealers to handle this business before was the lack of personal credit information system. Things are different now. At present, the city's personal credit information system has been established and started to operate, which can quickly review personal repayment ability and credit status. At present, the conditions for the banking system to provide mortgage loans directly from banks are harsh, for example, lenders must have real estate mortgages; Must be engaged in civil servants, doctors, teachers, lawyers and other occupations with stable income; At least 40% or even 50% down payment; Implement a floating interest rate of 10%.

Question 6: Does the loan for buying a car generally pass? As long as the information is complete and the work is stable.

operating procedure

First, the customer submits a mortgage application to the car dealer, and then the guarantee company requires the customer to prepare personal data according to relevant regulations. These materials include: ID card, income certificate, marriage certificate, and copy of residence certificate (household registration or temporary residence permit, etc.). ), house property certificate, driver's license. If the owner is an employee of a state-owned enterprise, a copy of the work permit is required. If the owner is an individual and private household, copies of business license, tax registration certificate, organization code certificate and other relevant documents are also required. Of course, you also need a guarantor with a local account. After the information is fully prepared, the guarantee company will make a door-to-door investigation and report it to the bank after confirming the truth. Finally, banks sign loan contracts with customers.

Guarantee fee

A guarantee company revealed the charging standard to the reporter: the site investigation fee is 300 yuan in the second ring road and 500 yuan outside the second ring road; According to the loan period, the file management fee is charged annually in 200 yuan; After signing the loan contract with the bank, the customer pays the guarantee fee to the guarantee company. The amount of guarantee fee depends on the loan amount and loan term. At present, the loan period for buying a car in Chengdu is generally five years and the loan period is one year. The guarantee fee is 1.4%- 1.6% of the loan amount. The loan is two years, and the guarantee fee is 65438+ 0.8%-2% of the loan amount; The loan is for three years, and the guarantee fee is 2.5% of the loan amount. At present, most car owners who borrow money to buy a car choose a three-year loan period.

Matters needing attention

In addition to the above-mentioned necessary information, there are still some problems to pay attention to: if the customer's account is not in this city, the police station needs to issue a temporary residence permit; For customers who have no real estate, they need a person with real estate as a guarantee; When the customer is in mortgage to buy a house, he should issue a copy of the purchase contract and a repayment passbook; Customers who have real estate but are still processing the property right certificate need a certificate from the relevant real estate company.

In addition, if the customer can also issue academic certificates, deposit certificates, water and electricity payment vouchers, etc. The loan application will be easier to pass.

Buying a car with a loan also involves auto insurance. At present, only the third party liability insurance is compulsory among the types of automobile insurance. However, if you buy a car by mortgage from a guarantee company, in addition to the third-party liability insurance that you must buy, you also need to buy the whole car theft insurance, car damage insurance and special insurance without deductible.

Question 7: Can I get a loan to buy a car? What's the harm if you can? Yes, it is very popular to buy a car with a loan now.

The following are the advantages and disadvantages of buying a car with a loan:

Benefits of buying a car with a loan: the money saved can be used for other investments and even earn back the "interest" paid for buying a car with a mortgage. At present, some car loans have been lowered by 5%~6%, and most zero-interest loans have now cancelled the household registration restrictions.

Disadvantages of buying a car with a loan: In recent years, the price of a car has dropped by about 65,438+00% every year. Loan to buy a car, two years later, the car price is upside down, but the car loan is "higher" than the market price. In addition, the audit of loan to buy a car is strict, which requires certain necessary conditions and makes people flinch.

Bank car loan. As the mainstream loan method in China, banks have always been the first choice for most car buyers. The biggest advantage of handling car loans in banks is that the interest rate is relatively low. However, the official said that there is not enough manpower, and the bank's procedures for handling car loans are also the most complicated. The speed of the next payment is of course self-evident, and some extra expenses may be added. Of course, if you choose real estate mortgage, the interest rate may be lower. Compared with the traditional unsecured car loan, it can reduce the monthly payment of car buyers.

Question 8: Is it difficult to buy a car with a car loan now? It's not difficult,

1 loan object:1natural person aged 8 to 60 with full capacity for civil conduct.

2. Loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle, of which the loan amount of the commercial vehicle shall not exceed 60% of the price of the purchased vehicle; If the purchased vehicle is a used car, the loan amount shall not exceed 50% of the price of the car purchased by the borrower, and the loan amount shall not exceed 200,000 yuan;

3. Loan term: If the purchased vehicle is for personal use, the loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle or a used car, and the loan period is no more than 3 years;

4. Loan interest rate: subject to the loan interest rate regulations of China Construction Bank;

5. Guarantee method: To apply for personal car loan, the borrower must provide certain guarantee measures, including pledge, mortgage of the car purchased by the loan, mortgage of real estate, third-party guarantee, etc. You can also buy personal car loan performance guarantee insurance.

6. Application materials to be provided:

(1) Personal loan application;

(2) Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;

(3) proof of household registration or long-term residence;

(4) personal income certificate, family income or property certificate when necessary;

(5) Certificate of intention to buy a car issued by the automobile dealer;

(6) proof of down payment for car purchase;

(7) If the purchased vehicle is secured by other means than mortgage, the relevant materials of the guarantee shall be provided, including the certificate of pledge of rights, the certificate of ownership and evaluation of mortgaged real estate, and the letter of intent for third-party guarantee, etc.

(8) If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the affiliation agreement and lease agreement for the vehicle to be affiliated with the transportation fleet;

(9) The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to purchase a car and a vehicle evaluation report issued by an evaluation agency recognized by the Construction Bank; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.

Processing channels and procedures

1 Handling channel: Personal car loan business is handled through branches of China Construction Bank. In some large and medium-sized cities, the auto finance service center set up by China Construction Bank specializes in personal auto loan business, and the personal loan center is also a professional accepting institution for auto loans.

2. Processing flow:

① The borrower submits the application materials;

② The handling bank conducts preliminary examination of the application materials submitted by the borrower, and conducts credit investigation and customer evaluation on the borrower;

(3) Examining and approving loan applications that meet the loan conditions through preliminary examination and credit investigation;

(4) If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower;

⑤ After the loan contract comes into effect, the handling bank will issue the loan. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.

Question 9: Can I get a loan to buy a car with bad credit? Five points. When banks and auto financing companies apply for loans to buy cars, they need to provide borrowers with credit records in the last two years in addition to corresponding income certificates. If there is a serious overdue phenomenon, it will directly affect the approval of the loan to buy a car.

When a bank accepts a customer loan, the first thing it should do is to check the personal credit record through the bank credit information system and judge whether the applicant is qualified for the loan. If there have been 1 or occasionally two overdue cases with small amount and short term, it can still be negotiated.

If the overdue circumstances are serious, if it is overdue for more than 6 times or more than 90 days in a single time within two years, it will be recognized as malicious repayment by the bank, thus questioning the willingness to repay and eventually rejecting the application for car loan.

Question 10: Can I get a loan to buy a car in advance? Yes, the specific terms depend on the contract signed with the bank. It should be that the interest will not be repaid in the later period, but only the principal will be repaid. I haven't heard of any additional conditions.