How much is the bank turnover for a car loan?
Question 1: How much is the bank turnover for buying a car? The bank turnover represents an income that is approximately twice your monthly repayment amount. If you The monthly repayment is 1,500 yuan, and your turnover must be greater than 3,000 yuan, otherwise it will be difficult to get approval. I hope it will be helpful to you
Question 2: How long does it take to get a loan to buy a car? Bank turnover report violation report infringement complaint | 2010-02-09 10:27 Questioner accepted
There are three ways to buy a car with a mortgage
There are three main mortgage ways currently available on the market: auto finance companies, intermediary guarantees and Bank loans, consumers can choose according to their needs.
Generally speaking, the interest rates of auto finance companies are relatively high, but the procedures are relatively simple, while the interest rates of banks are relatively low, but the procedures are cumbersome. They usually require real estate for mortgage, and the car purchase is guaranteed through an intermediary. The business has just begun
Question 3: How much bank turnover is required for a car loan? The turnover for the loan mainly depends on the repayment ability. . . The turnover amount is generally more than 2.5 times the repayment amount. The interest settlement must be accurate and professionally done.
Question 4: How much bank balance is needed to get a loan? The bank balance needs to be deposited every month, and everyone has it. If it is a loan to buy a house, the developer will also It will be relevant. In the income certificate, write more than 2 times the loan salary and the current position should be higher. You can write it separately, for example, income 3,000 and other income 2,200. If the bank asks during the interview, just say that other income is in cash and for household use. I hope it can help. To you.
Question 5: How much bank turnover is needed to buy a car? The bank turnover reflects the income which is about 2 times of your monthly repayment amount. For example, if your monthly repayment is 1,500 yuan, your turnover must be greater than 3,000. Yuan, otherwise it will be difficult to get an approval. I hope it will be helpful to you
Question 6: Regarding car loans, how much bank turnover is required to meet the standard? The turnover for car loans is nearly half a year, and the amount must be monthly payments. More than 2 times, divided into salary statement and cash flow, printed on special paper
Question 7: How many months does it take for bank statements to buy a car? Bank statements generally take the last 6 months.
It is divided into salary flow and cash flow. . . Package
Printed on special bank paper, interest settlement must be accurate, and the amount must be reached.
Mortgage, loan, visa, employment. . . Pass
Agent. . . .
National bank statements, income certificates, and employment certificates, I hope they can help you. . . . .
Question 8: Do you need bank statements to buy a car mortgage? Generally, whether it is a bank or an auto finance company, when applying for a loan to buy a car, the borrower will be required to provide certain application materials, such as ID card, income Proof, etc. Otherwise, the bank statement will also suffice.
But what if your monthly salary is paid in cash? Many people find some intermediaries to make false statements when they cannot provide bank statements. In fact, the risk of using this kind of statement loan is relatively low. High, once verified by the bank, not only will a bad credit record be left, but the loan application will also be rejected.
In fact, for those whose wages are paid in cash, there is no way out. Many lending institutions now also accept self-deposit accounts. That is to say, the borrower deposits a fixed amount into the same account at a fixed time every month in order to obtain self-deposit flow. However, when using self-deposit bank flow, two points need to be noted:
1. Must ensure The continuity and stability of the flow;
2. The self-storage flow time is at least 3-6 months.
Question 9: What is the average daily bank deposit amount required for a car loan? The bank turnover for a car loan is determined based on the amount and time of your loan, and it is calculated on a monthly basis, not a daily basis. Normally If you have a monthly check-in salary of 3,000, you can apply for it. If you need money urgently, you can come to Hengchedai. You can get a loan here in half a day, and the interest rate is also among the lowest in the industry.
Question 10: How many months does it take to get a bank loan? Whether it is a loan from a bank or other financial institution. The general requirements are similar. Have a stable job, more than 1 year, social security for 6 consecutive months, salary payment for 6 months, more than 1,500 per month. Provident fund 6. Good credit. This way you can get a loan. If you can provide more proof of financial resources. Do I need to check half a year's statement to buy a car loan from a bank for better approval?
For car loans, banks need to look at personal statements, which is not very important, but banks need to look at the loan applicant's monthly capital flow. The bank statement can show the borrower's monthly income and expenses. If the borrower's monthly income cannot cover the expenses, the bank may consider the borrower's repayment ability and may require the lender to increase the down payment ratio.
1. If required, 6 months of running accounts are generally required.
2. The journal is generally required to be within half a year, with entries and exits. The amount is not a problem. Generally, more than 20,000 is a lot. The balance is not too important, as long as there are entries and exits, it will be fine. .
3. Prove that you have this capital flow. Generally speaking, banks only calculate the amount you deposit, not the balance. If you can deposit about 20,000 per month, you should be fine. But it also depends on what kind of car you buy, how much it costs, and how much your monthly repayment is.
1. Application materials generally required for loan applications:
1. Identification information
2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.
3. Proof of local residence: fixed-line telephone payment list for any three months in the past year, or utility bill receipts such as water and electricity payment list, or other information that can prove your residential address
4. Guarantee certification materials
5. Proof of purpose: For example, for a car loan, you need to provide a full car purchase invoice before the loan is disbursed, or provide a car purchase agreement (contract) plus a down payment invoice (or a receipt with the official seal of the dealer). After the loan is issued, the full vehicle purchase invoice (if not provided before the loan is issued) and the vehicle purchase tax payment certificate must be provided.
6. Proof of repayment ability: Our bank’s salary agency customers can directly provide their salary payment account statements; social security account statements or personal tax forms, etc.
If your You also need to provide other information for a loan, and the handling bank will notify you in time. You can also confirm this information in detail through the handling bank when applying for a loan.
2. The ways to buy a car with a mortgage are:
1. There are three main mortgage ways currently provided on the market: car finance companies, intermediary guarantees and bank loans. Consumers can Choose according to your needs.
2. Generally speaking, the interest rates of auto finance companies are relatively high, but the procedures are relatively simple, while the interest rates of banks are relatively low, but the procedures are cumbersome. They usually require real estate for mortgage, and through intermediaries The business of guaranteeing car purchases has just begun. How much does it cost to pay for a car loan?
Generally, you need to provide more than six months of income (inclusive), and it is enough to reach more than 3,000 yuan per month
So that the handling bank (auto consumer finance institution) can accurately understand its financial situation and repayment ability through the data. If the flow rate provided is too small, the bank (auto consumer finance company) will not be able to understand the customer's financial income level in detail, which will not be conducive to loan approval. How many months does it take to process bank statements for a car loan?
It usually takes 6 months.
Application materials:
1. Original ID card, household register or other valid residence documents, and provide copies;
2. Occupation and economic income Proof, personal account statement for the past 6 months;
3. Car purchase agreement, contract or letter of intent to purchase the car signed with the dealer;
4. Other documents required by the cooperative agency material.
The term of automobile consumer loans is generally 1-3 years, with a maximum of no more than 5 years. Among them, the loan period (including extension) of second-hand car loans shall not exceed 3 years, and the loan period of dealer car loans shall not exceed 1 year.
Extended information?
Car loan plan options:
1. Bank credit card: The biggest advantage of the credit card car purchase model is that there is no need to pay interest, but most banks also A certain percentage of handling fees will be charged. In addition, this model has high requirements for customers' credit limits and requires consumers to pay a higher down payment ratio first.
2. Auto finance: Most auto finance companies are jointly established by auto manufacturers and banks. Their advantages lie in low threshold and convenience. This type of company has no rigid requirements for consumers’ account and assets. They only need to provide corresponding income certificates and other credit references to handle the application.
3. Financial leasing: The financial leasing model is commonly known as "lease to purchase" or "long-term lease with property rights". It means that the lessee puts forward specific vehicle needs to the lessor with financial leasing qualifications, and the lessor provides the lease for the lessor. A person purchases a designated vehicle and leases the vehicle to the lessee, who shall occupy, use and pay rent to the lessor during the lease period.