Does the mortgage loan need social security to buy a car?

First, do you need social security to buy a car with a mortgage loan?

Mortgage to buy a car:

Having 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. Provisions of cooperative institutions

It is understood that different institutions apply for mortgage loans to buy cars, and lending institutions have different requirements for applicants.

For example, in the Industrial and Commercial Bank of China, if a car buyer buys a car with 6,543.8+0.5 million yuan, the down payment will be 30% for three years, and the total loan will be 6,543.8+0.5 million yuan. Industry and commerce accept social security, but require vehicles without licenses.

The applicant provides proof of income, proof of property or purchase contract. Mortgage, car and social security? That doesn't seem to be the case. Of course, there are also lending institutions that require applicants to provide proof of payment of social security. It can be the proof that the unit pays social security and the individual pays social security.

2. Can I apply for a car loan to buy a car without social security?

Do you need to buy social security for car loans? As long as you can provide proof of income, there is no problem with your credit history.

But if it is a foreign hukou, you need to have a local temporary residence. If you don't apply for social security, you can apply for a loan to buy a car. 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 pays the rest to the buyer in installments.

The average capital of car loan refers to the repayment method selected by the borrower in the average capital after the car loan. During the repayment period, the total loan amount is divided into equal parts, and the same amount of principal and interest generated by the remaining loan in the month are repaid every month. Because the monthly repayment amount is fixed and the interest is getting less and less, the lender is under great pressure to repay at first, but with the passage of time, the monthly repayment amount is getting less and less.

Calculation formula of average capital loan: monthly repayment amount = (loan principal/repayment months) (principal-accumulated repaid principal) × monthly interest rate.

Read the relevant insurance clauses carefully before applying for a car loan. Buying a car with a loan is to mortgage the car to the bank. The car belongs to the bank before you pay off the bank loan. In order to reduce the risk, banks generally require you 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, so you must read the relevant insurance clauses carefully when applying for a car loan, and you can't ignore this cost.

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 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.

Application materials:

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.

3. Does Shenzhen need social security for a car loan?

In Shenzhen, you can borrow money to buy a car without social security and real estate. There are generally three mortgage ways to buy a car by loan, namely, auto financing company, intermediary guarantee and bank loan. Car buyers with loan intentions can choose the corresponding loan method according to their repayment ability. Among them, the requirements for bank loans are slightly higher, but some bank loan products do not need social security certificates. 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 the loan type and personal qualification. Of course, the models are different, only the loan money is different, and everything else is similar. Individuals who have no mortgage or social security certificate can find a guarantor or guarantee company. Guarantee companies in different regions have different calculation methods of guarantee fees, and the fees charged by guarantee companies according to different models will be different.

Fourth, does the mortgage loan need social security to buy a car?

Mortgage to buy 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.