Lending to buy a car pays more attention to credit information, and it is difficult for people with bad credit to apply for a car loan. But some people are white households with blank credit records. What should I do? Of course, at that time, compared with people with good credit records, it was more difficult for white households to apply for loans than customers with credit records, especially credit loans.
Because bank approval is mainly based on personal qualifications, credit, financial resources and so on. If there is no personal credit record, the bank can't guarantee whether the borrower can repay in full and on time. In order to control the credit risk of banks themselves, they generally lend cautiously.
In order to improve the success rate of car loan, you can apply for a car loan with a credit card before the loan. It's much easier to establish personal credit by credit card. Spend more money by credit card every month, repay the loan on time, and use about 6 cards to develop a good credit record.
In order to successfully approve the card, it is recommended to apply for some banks with relatively low thresholds, such as China Merchants Bank, China Guangfa Bank and Bank of Communications, which all support white households to apply for cards. If you want to approve the card quickly, you can apply online, but the amount of card approval may not be high.
To sum up, white households can borrow money to buy a car, but it may not be so easy. In order to improve the success rate of car loan, it is suggested to get rid of the identity of white households and establish good personal credit before applying.
2. Can Guangfa Bank buy a car with a credit card?
Guangfa Bank Credit Card launched credit card installment car purchase business.
The credit limit that the cardholder can apply for is 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for car purchase by credit installment, and Guangfa Bank only charges a handling fee, and the handling fee rate is different in different installments.
The credit card purchase process of Guangfa Bank:
1. application
First look at the car you want to buy. Fill in the "Application Form for Automobile Consumption Loan" and the "Questionnaire on Credit Status" and submit them to the loan bank together with the relevant certificates of personal situation.
2. Investigation and approval
The bank conducts pre-loan investigation and approval. If the loan conditions are met, the bank will promptly notify the borrower to fill in various forms.
3. Sign various contracts
Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures.
Step 4 lend a loan
The bank issues loans (the bank transfers money directly to the car dealer's account).
Step 5 pick up the car
The borrower pays the down payment to the car dealer, and goes through the formalities of car pick-up with the passbook and the car pick-up note issued by the bank.
3. Can Guangfa Bank buy a car with a credit card?
Guangfa Bank Credit Card launched credit card installment car purchase business.
The credit limit that the cardholder can apply for is 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for car purchase by credit installment, and Guangfa Bank only charges a handling fee, and the handling fee rate is different in different installments.
The credit card purchase process of Guangfa Bank:
1. application
First look at the car you want to buy. Fill in the "Application Form for Automobile Consumption Loan" and the "Questionnaire on Credit Status" and submit them to the loan bank together with the relevant certificates of personal situation.
2. Investigation and approval
The bank conducts pre-loan investigation and approval. If the loan conditions are met, the bank will promptly notify the borrower to fill in various forms.
3. Sign various contracts
Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures.
Step 4 lend a loan
The bank issues loans (the bank transfers money directly to the car dealer's account).
Step 5 pick up the car
The borrower pays the down payment to the car dealer, and goes through the formalities of car pick-up with the passbook and the car pick-up note issued by the bank.
4. Can Guangfa Bank buy a car with a credit card?
Credit card introduced a credit card for buying a car.
The credit period that cardholders can apply for is 12 months, with 24 categories; There is no loan interest rate for car purchase by credit installment, and Guangfa Bank only charges a handling fee, and the handling fee rate is different in different installments.
The credit card purchase process of Guangfa Bank:
1. application
First look at the car you want to buy. The questionnaire, together with the relevant proof of personal situation, shall be submitted to the lending bank.
2. Investigation and trial
The bank conducts pre-loan investigation and approval. If the loan conditions are met, the bank will promptly notify the borrower to fill in various forms.
3. Sign various contracts
Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and handle the mortgage.
Step 4 lend a loan
The bank issues loans (the bank transfers money directly to the car dealer's account).
Step 5 pick up the car
The borrower will pay the down payment to the car dealer and handle it with the passbook and the car pick-up note issued by the bank.