You don't need a guarantor's marriage certificate. You need a guarantor who is a staff member of a state organ and has a salary certificate.
I want to get a loan to buy a car. What should I do?
I want to get a loan to buy a car. What should I do? Application conditions 1, 18 China citizen with full capacity for civil conduct 2, valid identity certificate and fixed detailed address 3, stable professional income 4, good credit record 5, other application materials specified by the bank: 1, personal loan application 2, personal valid identity document 3, household registration certificate or long-term residence certificate 4, personal income certificate, family income or property. 5. Certificate of intention to buy a car issued by the car dealer. 6. proof of down payment for buying a car. 7. Process of handling guarantee-related materials: Application: After you are optimistic about the car you want to buy, fill out the Application Form for Automobile Consumption Loan and the Credit Investigation Form, and submit them to the loan bank together with relevant personal certificates, car prices and vehicle information reported on the documents. The bank conducts pre-loan investigation and approval: after accepting the loan application, the bank investigates the credit status of the borrower and guarantor. For those who meet the loan conditions, the bank will promptly notify the borrower to fill in various forms.
Contract signing: notify the borrower to sign loan contract, guarantee contract and mortgage contract, and go through mortgage registration and insurance procedures. Sign a vehicle loan mortgage contract, one for the bank and one for you; You also need to sign a car sales contract, one for the car dealer, one for you, and one for the bank to issue loans: the bank issues loans, and the bank directly transfers them to the car dealer's account to handle the car picking-up procedures; The borrower pays the down payment to the car dealer, goes through the formalities of car pick-up with the passbook and the car pick-up slip issued by the bank, and gives the car a license. After completing the license, hand over the vehicle production certificate, invoice, insurance policy, driving license, ID card and household registration book to the bank. After the mortgage, the bank will return the driving license and ID card account book.
How does the car loan intermediary handle the car loan process? The general lender is a valid personal identity document. Including resident identity cards, household registration books, etc. If the borrower is married, please provide proof of spouse's identity (note: under the same conditions, married people are more likely to get loans than unmarried people). The provisions of car loan are as follows: application materials to be provided: valid personal identity documents. Including resident identity cards, household registration books, etc. If the borrower is married, the identity certificate of the spouse shall be provided; Certificate of intention to buy a car issued by the car dealer; Household registration certificate or long-term residence certificate; Personal income certificate, and provide family income or property certificate when necessary; If the purchased vehicle is secured by other means than mortgage, relevant materials for the guarantee shall be provided; Proof of down payment for car purchase; If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation. Matters needing attention in car loan: loan target:/kloc-a natural person aged 0/8 to 60 with full civil capacity; Loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle, of which the loan amount of the commercial vehicle shall not exceed 60% of the price of the purchased vehicle; Loan term: the purchased vehicle is for personal use, and the longest loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years; Loan interest rate: subject to the loan interest rate regulations of China Construction Bank; Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest, matching principal and interest, average capital repayment, and one-time repayment of principal and interest. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract. Handling process: customers apply, customers apply to the bank, fill in the application form in writing, and submit relevant materials at the same time; After the contract is signed, the bank will review the application materials submitted by the borrower, and both parties will sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate; Lending, loan approved by the bank, after all formalities are completed, the bank will directly transfer it to the account of the automobile dealer according to the contract; Repayment on schedule, the borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract; Loan settlement. The loan settlement includes normal settlement and early settlement as follows: (1) Normal settlement: the loan is settled on the loan maturity date (one-time repayment of principal and interest) or the last installment of the loan (installment repayment); (2) Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, it must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval. After the loan is settled, the borrower shall take back the legal documents and relevant supporting documents taken away by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration and cancellation procedures at the original mortgage registration department with the loan settlement certificate.
I'm from Hulin. What are the requirements for applying for a loan to buy a car? Application conditions: 1. Having 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; Meet the above conditions, you can apply for a car loan.
What are the procedures for buying a car with a loan? What do I need to do if I want to handle it? Loan terms: 1. Having 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. Information and process of loan to buy a car: application information 1. Original identity card, residence booklet or other valid residence certificate, and provide a copy thereof; 2. Proof of occupation and economic income, and running list of personal accounts in recent 6 months; 3 car purchase agreement, contract or letter of intent signed with the dealer; 4. Other archival materials required by the Cooperation Organization. First of all, the lender needs to prepare ID card, residence certificate, work certificate, loan use certificate and other supporting materials, go to a bank, fill out an application form and fill out a contract. Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If so, there is no need to sign such a contract. Secondly, banks issue loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest. Finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up note issued by the bank. In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.
How to apply for a loan to buy a car in a 4s shop: 1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time; 2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate; 3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract; 4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract; 5. loan settlement. The conditions for applying for car loan are as follows: 1. Car buyers must be at least 18 years old and China citizens with full capacity for civil conduct. 2. Car buyers must have a relatively stable job, a relatively stable economic income or assets that are easy to realize, in order to repay the loan principal and interest on schedule. 3. During the loan application period, the car buyer will deposit the car purchase down payment into the account of the savings counter of the handling bank, which is lower than the bank regulations. 4. Provide banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan. 5. Car buyers are willing to accept other conditions deemed necessary by the bank.
How to apply for 1 loan to buy a car in Harbin? You must have no bad reputation in the bank. 2, there is no higher loan, or the previous loan (such as mortgage), plus car loan, can not exceed your salary range. 3, car loan is actually very simple, you take a fancy to the car, pay the down payment, and the rest can have a car dealership. 4S Weini one-stop shopping
How does China Agricultural Bank handle the loan to buy a car? Now you need to have a good credit record and some financial resources to apply for loans, and you also need to collect repayment sources. Now I can apply for policy loans, provident fund loans and other loans.
What should I do? I want to apply for a loan to buy a car and a mortgage to buy a car: I have valid identification and full capacity for civil conduct; Can provide fixed and detailed address proof; Have a stable job and the ability to repay the loan principal and interest on schedule; Personal social credit is good; Holding a car purchase contract or agreement approved by the lender; Other conditions stipulated by the cooperation organization.
How to apply for provident fund loan to buy a car? You can't borrow money to buy a car. The main purposes of the provident fund are: buying, building, rebuilding and overhauling self-occupied houses, repaying the principal and interest of home purchase loans, and subsidizing the rent that exceeds the family wage income. However, if you want to borrow money to buy a car, you can choose one of the following ways of car loan: First, credit card installment is the most popular way of car loan, because of its fast approval speed and simple procedures, but the models of this way will be restricted and the loan period will be short. Second, bank loans Bank car loans are the most common loan methods. You can apply directly to the bank or through the car dealer. However, this method also has some shortcomings, such as complicated application procedures and slow loan time. Third, auto financing company loans through auto financing company's auto credit, the biggest advantage is "low threshold, fast lending", but it also has the disadvantages of "high interest rate and expensive handling fee". I would like to remind you that if someone or an organization advertises for a car with a provident fund loan, if it is not a false advertisement, it may be fooled. Please don't believe it, lest you be cheated.
Provident fund loans cannot be used to buy a car. Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans. When buying, building, renovating or overhauling owner-occupied housing in cities and towns in this city, you can apply for housing provident fund loans from the bank with my own property housing as collateral and as a loan repayment guarantee. Provident fund loan process: 1, employees with permanent residence or valid residence identification in the local administrative area; 2. At the time of application, the housing provident fund has been normally paid for more than one year, and the provident fund has not been withdrawn to pay the down payment for the house purchase, and there is no balance of the provident fund loan; 3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 30% of the value of the purchased housing; 4. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit; 5. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as guarantor; 6, other conditions stipulated by the provident fund center. To sum up, provident fund loans can't be used to buy cars, only loans can be used to buy cars.
3. Which bank in Qujing now has a lower car loan interest rate? What are the requirements?
Generally speaking, if you plan to apply for a car loan, it is still relatively easy to apply.
Loan terms: 1. Having 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 identity card, residence booklet or other valid residence certificate, and provide a copy thereof; 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.
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4. Which bank has a low interest rate for car installment loans?
If the car loan time is less than 1 year, China Bank is the first choice, followed by China Construction Bank and Ping An Bank;
2. Overall, Ping An Bank has the lowest car loan interest rate, which can be given priority;
3. Among several banks, China Construction Bank has the highest car loan interest rate;
4. China Bank's car loan conditions are harsh, and it is not necessarily the first choice.