As cars are movable property, it is risky for banks to provide such car loans. If you don't have a Beijing hukou and no real estate mortgage, it is relatively difficult to pass the bank approval, and you need a guarantee from a local hukou person. Some small banks are more relaxed, and real estate in different places can also be mortgaged. However, the bank's approval requirements are strict and the approval time is long. The advantage is the lowest interest rate!

if you apply for a mortgage loan in a bank, you need to provide the following materials:

personal identity card,

household registration book,

marriage certificate,

temporary residence permit,

income certificate,

and relevant certificates of the guarantor.

or if the bank engages in activities, it can apply for a credit card and pay by installment. The short-term interest rate for 1-2 years is generally similar to that of banks. If it takes a long time, it won't be worthwhile. However, the key is whether the bank has the activity of buying a car by credit card installment.

If you borrow money from Ford Finance, the procedure will be much easier. Moreover, approval is relatively easy. But the interest rate is much higher than that of banks. After three years, it may cost thousands of dollars more interest than the bank.

loan application materials of Ford Motor Finance Company:

1. Application form for personal automobile consumption loan of Ford Motor Finance Company

2. Copy of ID card

Married people need to provide copies of ID cards of both husband and wife, which should be copied on both sides;

3. Copy of marriage certificate

Provided by married people, but not single people;

4. Income certification documents

include individual/company tax bills, detailed bank account records, income certificates issued by the company, payroll or other documents that can prove personal income; If you are married, you need to provide relevant materials for both husband and wife;

5. proof of residence

the owner of the property shall provide a copy of the real estate license and a copy of the land use certificate; The renter needs to provide the lease contract within the validity period;

6. The driver's license of the loan applicant

The last method is the unsecured personal credit loan launched by Chedai.com.. As long as you have stable repayment ability and willingness, you can apply for unsecured loans online at Chedai.com.

It is difficult for lenders who work in other places to solve the problem of collateral, and the guarantee fee of the guarantee company is not a small expense. Car loan network applies for loans online, and at the same time, it will also find the bank that is the most suitable lender. Make it easier to buy a car with a loan.

as for the calculation of bank loans. Take you to buy the Ford sedan 1.8AT fashion version, and the car price is 1278. Loan for three years, down payment of 4%, 51,12 yuan. The monthly payment is 2334 yuan.

You can calculate the specific loan yourself according to your car price. Give you a web page of car loan calculator: the car loan calculator of Easy Car Network is quite good.

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