It can be applied for, but whether you can pass it requires you to apply and try it first. As long as there are no bad records such as overdue loans, you can apply for a loan.

Loan application conditions:

1. A natural person who is 23 years old or older (inclusive) and has full capacity for civil conduct, and the loan maturity date is not more than 60 years old (inclusive).

2. Have permanent urban residence or valid residence status.

3. Have legal and stable economic income, good credit, and the ability to repay the principal and interest of the loan.

4. A car purchase agreement or contract has been signed. 5. Be able to provide a guarantee recognized by the bank.

6. Other conditions required by the bank.

How to apply for a car loan?

The application process is as follows:

1. Steps for applying for a car loan from a car company:

2. Select the product that requires a car loan;

3. According to your own situation, apply for universal car loan packages and services on-site;

4. The staff will review and approve the loan;

5. Sign up at the store to pick up the car. Well, to sum up, as long as you prepare the corresponding application conditions and follow the loan process, you don’t have to worry about how to apply for a car loan.

Extended information

How to buy insurance for a new car

Compulsory traffic insurance is a must;

(1) Compulsory third party liability insurance—— Needless to say, it is a must buy.

(2) Vehicle loss insurance - after the insured vehicle is damaged, the insurance company is responsible for the loss that needs to be borne by the owner (not necessarily all). It is recommended for new cars and novices to buy. Friends who have been driving for a few years can choose not to have car damage insurance without deductibles or absolute deductibles (the part that must be deducted for each accident), which can save some premiums. Experienced drivers do not need to buy this insurance.

(3) Commercial third-party liability insurance - There are many levels, including 50,000, 100,000, 200,000, 300,000, 500,000, etc. Car owners can choose according to their actual situation. Nowadays, the compensation for killing a person is usually more than 300,000 yuan. It is recommended to purchase this insurance.

(4) Whole car theft and rescue insurance - if the whole car is stolen, robbed or robbed, the insurance company will compensate the loss after the case is filed with the Public Security Bureau for a period of time (each company is different). It is recommended that friends who do not have a fixed parking place purchase this insurance. Owners of high-risk models purchase this insurance (high-risk models include: Santana, Guangzhou Honda Accord, Audi, etc.).

(5) Excluding deductible special insurance - it is a supporting clause of automobile damage insurance and commercial third party insurance. Without this insurance, if an accident occurs, the insurance company will have a certain deductible. Generally, if there is a unilateral accident or if you bear full responsibility for the accident, you will have to bear 20%. It is recommended that new car owners purchase this insurance.

(6) Individual glass breakage insurance - If you do not have this insurance, you will not be compensated for individual glass breakage. Recommended to buy.

(7) Scratch insurance (each company has different names) - If the insured car is maliciously scratched by others and the scratcher is not found, the insurance company is responsible for compensation, but part of it needs to be paid by itself. Recommended for car owners who frequently park in unattended locations.

(8) Liability insurance for vehicle occupants – If a vehicle accident causes injuries to persons on board the vehicle, the insurance company is responsible for part of the compensation. You can choose according to your own situation, because this insurance is not expensive, costing more than 100 yuan, it is recommended to buy it.

(9) Spontaneous combustion loss insurance - the insurance company is responsible for compensating part of the loss caused by the fire of the insured vehicle due to its own circuit and oil circuit failure. There is no need to buy this insurance for new cars, because the manufacturer will be responsible if it spontaneously ignites during the warranty period. The car is out of warranty, but the circuit has not been modified, and it is maintained regularly, so there is no need to purchase this insurance.