Will not be able to process it.

According to Article 9 of the Measures for the Administration of Auto Loans, borrowers applying for personal auto loans should meet the following conditions: citizens of People's Republic of China (PRC) (hereinafter referred to as "People's Republic of China (PRC)"), or residents of Hong Kong, Macao and Taiwan and foreigners living in People's Republic of China (PRC) (hereinafter referred to as "People's Republic of China (PRC)") for 1 year or more;

Having valid identification, fixed and detailed address and full capacity for civil conduct; Personal legal assets with stable legal income or sufficient to repay the loan principal and interest; Personal credit is good; Be able to pay the required down payment; Other conditions required by the lender.

Extended data:

Personal car loan

Article 8 The term "personal car loan" as mentioned in these Measures refers to the loan granted by the lender to the borrower for the purchase of a car.

Article 9 A borrower applying for an individual car loan shall meet the following conditions:

(a) People's Republic of China (PRC) citizens, or residents of Hongkong, Macau and Taiwan Province who have lived in People's Republic of China (PRC) for one year or more, and foreigners;

(2) Having a valid identity document, a fixed detailed address and full capacity for civil conduct;

(3) Personal legal assets with stable legal income or sufficient to repay the loan principal and interest;

(4) Personal credit is good;

(5) Being able to pay the prescribed down payment;

(6) Other conditions required by the lender.

Article 10 When granting personal car loans, the lender shall comprehensively consider the following factors and determine the loan conditions such as loan amount, term, interest rate and repayment method:

(a) the lender's credit rating of the borrower;

(2) loan guarantee;

(three) the performance and use of the purchased car;

(four) the development of the automobile industry and the supply and demand of the automobile market.

Article 11 A lender shall establish a borrower's credit file. The borrower's credit file shall include the following contents:

(1) The name, address, valid identification and contact information of the borrower;

(2) Proof of the borrower's income level and credit status;

(three) the purchase agreement, car model, engine number, frame number, price and purpose of the purchased car;

(4) The amount, term, interest rate, repayment method and guarantee of the loan;

(5) loan collection records;

(six) other information needed to prevent loan risks.

Article 12 When granting personal commercial vehicle loans, the lender shall, in addition to the contents specified in Article 11 of these Measures, add the annual inspection of commercial vehicle operation qualification certificate, commercial vehicle depreciation and insurance information to the borrower's credit file.

References:

Baidu Encyclopedia-Measures for the Administration of Automobile Loans

How can I borrow money to buy a car when my credit card (debit card) is overdue?

Although the credit card (debit card) is overdue, as long as it is not continuous, it can still handle the credit card (credit card) car purchase business by installments after clearing the arrears. Of course, some banks have strict audits. For example, if a credit card (debit card) has an overdue record within two years, you cannot apply for any loan business. At this time, users are advised to change to other banks for credit cards (credit cards) to buy cars in installments.

In addition, if the credit card (debit card) has overdue repayment, but a non-malicious overdue certificate is issued, then you can also apply for a credit card (credit card) to buy a car in installments.

Can I borrow money to buy a car if my credit card is overdue for three times? There are several solutions.

; ? Many people think that credit cards can't handle any credit business if they are overdue. In fact, it depends on the time and frequency of overdue. Some people will ask if you can still borrow money to buy a house if your credit card is overdue for three times. It can be said that as long as it is overdue, it will have an impact, but it will not necessarily be rejected. Let's have a look.

Can I borrow money to buy a car if my credit card is overdue for three times?

It depends on the overdue time, such as overdue and repayment two years ago, which has little impact; Like the overdue in these two years, it depends on whether these three overdue times are continuous. If they are temporarily disconnected for three times, the impact will be relatively small before the car loan is repaid. If it is overdue for three times in a row and has been blacklisted, the car loan will be rejected directly, but you can try these two methods.

1. If you can't get a loan to buy a car because your credit card is overdue and want to own a car, you can get a loan from a relative with good credit conditions, pick up the car and drive it yourself, and then repay the loan yourself. After the loan is paid off, you can take the car back to the Green Paper and transfer it to your own name. However, borrowing loans is risky. In order to avoid disputes, it is best to draw up a contract and agree on various emergency measures to avoid property losses when the car is lost.

2. If you feel troublesome and feel that it is safer to borrow in your own name, it is recommended to pay off the overdue debt of the credit card first, and then apply for a car loan after the credit information is restored. Or wait until the first half of the year to try again, provide more materials that are beneficial to you, such as various financial certificates in your name, or find a loan from someone with good credit. Both of them have repayment ability, and one of them has good credit information and has a chance of success. As for the owner's name, you must write it yourself.

Can I borrow money to buy a car if my credit card is overdue for three times? I hope it will help everyone. In short, three overdue credit cards have an impact on the loan to buy a car. You can try to improve the loan pass rate through the above methods.