What are the conditions for Shenzhen car loan?

What are the procedures for buying a car with a loan in Shenzhen?

In our life, many people will borrow money to buy a car. What are the procedures for applying for a loan to buy a car? What materials do you need to buy a car with a loan? Below, in order to help you better understand the relevant legal knowledge, I have compiled the following contents, hoping to help you.

1. What are the procedures for getting a car loan in Shenzhen?

To successfully apply for a loan, you need to meet the standards set by the bank. The following is the information that must be provided to buy a car by mortgage.

1. Original ID card, household registration book or other valid proof of residence, and provide its copy;

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 providing these procedures for buying a car by mortgage, you need to meet some other conditions before you can apply for buying a car:

1. Have 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.

After you meet the above conditions for buying a car by mortgage, you can go through the formalities smoothly. Just go to the loan bank and apply for a personal automobile mortgage. In addition, after providing these materials, the bank needs to review and confirm before it can be approved.

Second, the application conditions

1. Have 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.

The above contents are related answers. Usually, if we want to borrow money, we need to have enough repayment ability at this time. Therefore, when we buy a car with a loan, we need to review the repayment ability of the loan buyer. If you can provide proof of deposit with real estate license, you can generally borrow money. If you have other legal questions, you can consult the relevant lawyers.

What are the procedures for buying a car with a loan? Need mortgage or pledge?

What are the procedures for buying a car with a loan? Need mortgage or pledge?

You need a mortgage, but this is not your house. Don't worry. This is your new car. After the loan, the real estate license of the car will be mortgaged to the bank, and the mortgage will not be released until the loan is paid off, and the car can be bought and sold.

Procedures and steps for handling loans:

1, go to the local 4S shop. Larger and smaller ones may not have loan intermediary services.

2. Choose a car according to your different preferences.

Tell the salesperson that you want to buy a car through a loan. They will ask you how much the down payment is and how long the loan will last. (The longer the loan term, the higher the interest rate, generally within 3 years. Minimum down payment 30%)

4. Bring your ID card, household registration book, income certificate of the last 6 months, wage account list and marriage certificate. . . That's all.

5. Sign a loan contract (small print, I guess you won't read it)

6. Pay the money, (1) pay the handling fee. 4S is an agent, but it is actually a loan from the bank. 4S probably earns 1 0,000 yuan, so leave. (2) pay the deposit.

7. Go home and wait for news. 4S will inform you that the bank has approved it, so you can pay the deposit first, and then go to 4S's store to pick up the car. If I tell you that I was rejected, I will get the deposit back.

What are the procedures for buying a car?

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

What are the procedures for buying a car with a loan? Do you need any mortgage?

The procedures for buying a car with a loan are as follows:

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.

Generally, no additional mortgage is required;

Loan application process

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, customer evaluation, preliminary examination, credit investigation and approval of loan applications that meet the loan conditions;

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.

What are the procedures for mortgage and car mortgage?

Where I lived in 2006, I signed a resettlement compensation agreement with the developer and changed a set of relocated houses (the resettlement compensation agreement stipulates that the house is used for residential purposes and the real estate license is commercial housing). Now that the house has been completed, it can be delivered for use. At the time of check-in, our relocated households were asked by the developer to sign the Beijing Commercial Housing Pre-sale Contract (in the mortgage registration of the contract, it was written that the entire building of the relocated households had been mortgaged to Beijing Construction Bank). Now we can't negotiate with the developer.

What are the procedures for applying for a mortgage loan?

We can find professional bank loans for real estate in Shenzhen. The current interest rate is 4% 35, 10 year, with interest paid first and principal paid once a year, which can be recycled 10 year:

1. Personal (company) red mortgage:

Submit application materials-bank approval (lender qualification approval, real estate value evaluation, information provision approval, loan use, etc.). )-Land Bureau mortgage registration-original mortgage bank-bank loan.

2. Personal (company) mortgage:

Submit application materials-bank approval-redeeming the building after approval (redeeming the real estate license)-Land and Resources Bureau cancels and re-registers the mortgage-original mortgage bank-bank lending.

Mortgage is one more step to foreclose! You can trust me privately if you need it!

What is the procedure for buying a car with a loan from China Merchants Bank? Do you need a mortgage or something?

If you apply for a CMB card, you can apply for a car loan through a savings card. If you have seen the model you need to buy through the car dealer, you can confirm whether you have cooperation with China Merchants Bank through the car dealer. If not, you can try to contact the personal loan department at the local China Merchants Bank counter directly to apply for your loan. The handling bank needs to specifically review your situation to determine whether it can be handled.

What are the procedures for buying a car with a loan in Qingdao? Need a mortgage or guarantor?

The vehicle registration certificate should be mortgaged to the bank.

Process of handling mortgage car loan:

Choose a car at a special bank dealer and sign a car purchase agreement or contract;

The borrower applies to the loan bank for personal automobile mortgage;

Sign the contract after investigation and consent;

Go through the formalities of notarization and mortgage of automobiles;

Bank loans;

After the loan is paid off, the pledge certificate shall be cancelled and returned to the customer.

What's the procedure for buying an unsecured car?

Information:

(1) Provide personal identification information, including ID card, residence permit, household registration book, marriage certificate and other information.

(2) Provide stable address, housing lease contract, utilities, property management and other related information;

(3) provide a stable source of income, bank running list, labor contract, etc.

Do I need to mortgage anything to buy a car? What if the mortgage needs to be mortgaged?

To apply for a personal car loan in China Bank, the loan guarantee requirements are as follows: (1) The handling bank shall require the borrower to provide sufficient and effective guarantee as a reliable second repayment source. Among them, ordinary customers must provide either of the following two guarantee methods, and high-quality customers can provide either of the following guarantee methods. 1. Mortgage loan for purchasing vehicles. Irrevocable joint liability guarantee of the third party (natural person or legal person) 3. Mortgage/pledge of property other than vehicles. Other guarantee methods recognized by the Head Office (II) Credit loans can be used for high-quality customers who meet the customer access conditions of the Interim Measures for the Administration of Personal Credit Revolving Loan Limits of Bank of China. (3) The loan guarantee shall be managed in strict accordance with the Guarantee Law and other relevant laws and regulations as well as the relevant provisions of the Bank's current mortgage/pledge guarantee. Because there are some differences in different regions, please consult local institutions in detail when applying for loans.

If in doubt, please continue to consult the online customer service of Bank of China. Welcome to download China Bank Mobile Banking or pay attention to "China Bank Micro Banking" to handle business.

Bank of China online customer service:: 95566. BOC/ZIM/

Mobile Banking Download: Bank of China. /ebanking/service/cs 1/20 1009/t 20 10092 1 _ 1 1946。

Online loan application: ebsnew.boc./boc15/loginpreloan. locale = zhv = 20 1805 180204056 13

National student loan:: ebsnew.boc./boc15/studentloan. ? locale = zhv = 20 1805 180204056 13

Online credit card application: Bank of China. /ebanking/online/20 13 10/t 20 13 1024 _ 2567848。

You don't need to mortgage documents to the bank after buying a car with a loan. Buying a car with a loan is actually mortgaging the car to the bank, because buying a car with a loan requires full insurance, so even if the car is stolen, robbed or has an accident, the insurance company will bear it. The bank will still recover the cost.

Handling process of automobile loan:

1. First, the lender is required to prepare the ID card, residence certificate, work certificate, loan use certificate and other supporting materials, go to the bank, fill out an application form and fill out a contract.

2. Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If so, there is no need to sign such a contract.

3. Secondly, banks issue loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.

4. Finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

Note: In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license, etc.

Pay attention to the following questions when buying a car with a loan.

1. Hidden costs need to be known in advance: generally, this situation is easy to happen in secondary dealers. In fact, as long as consumers book a car, they should ask clearly about the expenses included in the total price, and whether there are other hidden expenses, such as new car inspection fees and delivery fees, and also pay attention to whether the loan contract is provided by the bank, which is troublesome when using hands-free cars.

2. Car insurance by installment: If consumers choose to buy a car by installment with a credit card, the general car dealers will ask the designated insurance company to handle the car insurance for a specified period, and consumers should pay attention to whether the car insurance price is acceptable.

3. Verbal agreement does not guarantee: unless consumers apply for unsecured credit loans in the bank and withdraw money, they will buy a car in full at the 4S shop, otherwise other forms of loans will not get all the benefits of buying a car in full. At this time, car dealers often verbally promise various concessions to consumers, and the promises that don't fall on the pen are all on paper. In order to avoid future problems, consumers need to consider when choosing a car loan method.

4. The loan amount should be clear: generally speaking, with personal credit or joint liability guarantee, the maximum loan can be 200,000 yuan; Apply for mortgage with the purchased vehicle or real estate, and the loanable amount is 70%; If a third party applies for secured loans (except banks and insurance companies), the loanable amount is 60%.

How to apply for a personal loan to buy a car, what conditions are needed?

How to apply for a personal loan to buy a car, what conditions are needed?

Personal automobile consumption loan is a loan issued by the bank to the applicant to buy all kinds of first-hand cars, that is, non-profit family cars or commercial vehicles with 7 seats or less. The maximum loan amount is 70% of the market price of automobiles and 60% of the domestic market price of imported automobiles.

To apply for a personal car loan from a bank, the following conditions must be met:/kloc-People's Republic of China (PRC) (PRC) citizens (including Hong Kong, Macao and Taiwan residents) aged over 8 and under 60 with full capacity for civil conduct; The borrower's family (including the borrower, spouse and minor children) has a fixed residence at the place where the business institution is located, and has a fixed residence or valid residence certificate; The borrower and spouse have good credit and loan repayment ability; Other conditions stipulated by Industrial Bank.

There are two ways to apply for a car loan: personal credit loan to buy a car (without mortgage or guarantee, you are generally required to have good credit and stable work income), or real estate mortgage loan to buy a car (using real estate as collateral). Personal credit loans to buy a car can generally be borrowed for 5 years, with a down payment of more than 30%. Generally, a car can be mortgaged for up to 5 years with a down payment of more than 30%. The interest rate is mainly determined according to your loan type and your personal qualifications. The models are different, only the loan money is different, and everything else is similar.

Conditions of car loan

(1) has 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.

1 down payment depends on how much you can pay.

Then see how much loan you need.

Because the loan amount accounts for different proportions of the bare car price, the required materials are also different.

For example, the loan is about 30%, as long as the ID card.

About 50% loan plus driver's license work certificate

70% loan plus bank flow

Above 4 is also the requirement of 4S GM's own financial institutions.

Like going to CCB, you need local social security for 2 years, work certificate, bank flow, regardless of the loan ratio.

How to borrow money to buy a car in Shenzhen? What conditions do you need to buy a car with a loan?

Process of handling mortgage car loan:

Choose a car at a special bank dealer and sign a car purchase agreement or contract;

The borrower applies to the loan bank for personal automobile mortgage;

Sign the contract after investigation and consent;

Go through the formalities of notarization and mortgage of automobiles;

Bank loans;

After the loan is paid off, the pledge certificate shall be cancelled and returned to the customer.

What conditions do you need to buy a car with a loan? What to do?

Basic conditions for handling personal car loans:

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

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

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.

What are the conditions for banks to apply for loans to buy cars?

The basic conditions are as follows:

1. At least 25 years old;

Second, have a stable work unit; Has been working in the current unit for 3 months (some customers need 6 months);

Third, for example, Ping An Xinyi loan product: 1. This product is only handled in the following ten cities: Shenzhen, Guangzhou, Shanghai, Hangzhou, Fuzhou, Xiamen, Quanzhou, Dongguan, Huizhou and Zhongshan; 2. The average monthly income in the past three months (some customers need six months) is not less than 3,000 yuan, and some cities (Shenzhen, Guangzhou, Shanghai and Hangzhou) are not less than 4,000 yuan; 3. At present, it is only for wage earners who pay wages in banks, or small and medium-sized business owners and self-employed.

The process of handling bank loans:

1. The borrower applies for a loan;

2. Prepare loan related materials;

3. Customer manager loan survey;

4. Bank approval;

5. Both parties sign a loan contract;

6. Implement mortgage, pledge, unsecured contract or other guarantee contract;

7. Bank loans;

8. Post-loan management;

9. Repay the principal and interest when the loan is due.

How to handle personal loans in Wuhan? What are the requirements?

The loan amount through China Merchants Bank is small (less than 50,000 yuan). If you are already a user of China Merchants Bank and downloaded the mobile banking APP of China Merchants Bank, you can try to apply through this interface by logging in to mobile banking and clicking My-All-Loan-I want a loan. If you meet the credit card requirements of China Merchants Bank, you can try to apply for a credit card.

The loan amount is more than 50,000 yuan. If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank outlets. Due to the different requirements and application materials of each loan project, the current loan purposes are: car purchase, parking, decoration, education, bulk consumption shopping, tourism and other legitimate personal or family consumption; And the use of business turnover. You can call 95555 at 8:30- 18:00 to enter the manual service and provide the loan purpose and city for detailed information. Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.

What are the requirements for personal loans?

Loan conditions: To apply for a loan, the borrower should meet the following basic conditions: the product has a market, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed. The borrower must meet the following requirements: 1, and the borrower has the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made; 2. Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures; 3. basic account or general deposit account has been opened in the lending institution, and a certain amount of payment deposit has been reserved in the account; Accepting the supervision and inspection of credit and settlement of lending institutions voluntarily, and ensuring that business plans, related businesses and financial statements are submitted to lending institutions on a regular basis; 4 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize. 5. The borrower's asset-liability ratio shall not be higher than 70%. 6. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the borrower must meet the requirements of the State Council, and complete, standardized and effective documents and materials shall be submitted according to the requirements of project management. 7. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets; 8. The borrower must apply for a loan card according to the regulations of the People's Bank of China, and go through the annual inspection procedures according to the regulations.

What do Shenzhen civil servants need to know when they borrow money to buy a car?

Civil servants have always been recognized as high-quality customers by banks. For civil servants' loans, the bank will give some preferential treatment accordingly. So what conditions and materials do civil servants need to borrow money to buy a car in Shenzhen?

Requirements for Shenzhen civil servants to borrow money to buy a car:

(1) income needs to be stable, and civil servants are on the job;

(2) Civil servants need to buy a series of insurances such as auto insurance when applying for auto loans, and designate the first beneficiary as the loan bank;

(3) The unit needs better welfare treatment.

What proof materials do civil servants need to provide to buy a car with a loan in Shenzhen?

(1) Personal credit request;

(2) The applicant's valid identity certificate;

(3) job (title) certificate;

(4) marriage certificate;

(5) Proof of loan use;

(6) Other materials required by the bank.

What are the conditions for Shenzhen to borrow money to buy a car?

First of all, the owner needs to have a stable salary, and the unit should show the owner a formal salary certificate. At the same time, the bank often used by car owners should also issue certificates on the borrower's credit and bank flow to help the borrower prove his credit and repayment ability.

Secondly, if the borrower wants to borrow money to buy a car, he still needs a car purchase certificate issued by the 4s shop, as well as the model, price and year certificate of the car.

Finally, the borrower needs to establish his own monthly repayment amount according to the repayment regulations given by the bank and his own economic income ability before signing the corresponding car loan contract.

1. A natural person aged 18 with full capacity for civil conduct.

2. Have a fixed occupation and a predictable source of repayment, have a good credit status, have a good willingness to repay and the ability to repay the loan principal and interest on schedule.

3. Take the purchased car as collateral to complete the vehicle insurance required by the bank.

Mortgage application information:

1. My valid identity certificate, household registration certificate, marital status certificate and residence certificate.

2. Proof of occupation and income.

3. Car purchase contract or car purchase certificate.

4. proof of down payment.

5. Vehicle value confirmation information.

6. Other special documents.