Yes. But you have to meet some conditions

Loan crowd: age 22~55;

Loan conditions: have at least one credit card;

Loan qualifications: have the ability to repay Repayment ability

Detailed explanation:

1. How much income can I get a loan to buy a car?

Answer: Installment car purchase is not suitable for families with a monthly income of less than 6,000 yuan. After purchasing a car with a loan, in addition to monthly loan principal and interest repayments, car maintenance expenses such as fuel, maintenance, parking, road and bridge maintenance fees, etc. are about 1,500 yuan per month. The average monthly expenditure on car maintenance and car maintenance is between 3,000-4,000 yuan. , therefore, car buyers should have higher household income.

2. What are the costs of buying a car with a loan?

Answer: Taking a car loan of about 80,000 yuan as an example, the related expenses are as follows:

Expenses 1: Down payment = car purchase price × 30%, that is, 80,000 × 30 %=24,000 yuan.

Expense 2: The borrower’s personal accident insurance (the first beneficiary is the bank), as well as theft insurance, vehicle spontaneous combustion insurance, third-party liability insurance and vehicle damage insurance, the insurance premium is about 3,200 yuan.

Fees 3: Notarization fee for the loan contract is 100 yuan (charged by the notary office), and vehicle mortgage fee is 300 yuan (charged by the vehicle management department).

Fees 4: The same vehicle surcharges and other normal expenses as non-loan car purchases.

According to bank regulations, individuals who can pay a certain amount of down payment, notary fees and insurance premiums, have the ability to repay the principal and interest of the loan in installments, have a local permanent residence, and have full capacity for civil conduct can apply for a loan at the bank. When purchasing a car from an approved car dealer, you can apply for a mortgage to buy a car.

3. How to apply for a loan at the bank to buy a car?

Answer: At present, banks mainly deal with mortgage-guaranteed loans, that is, the borrower mortgages the vehicle and finds a guarantor recognized by the bank (civil servants, doctors, financial employees, etc.) for guarantee.

As for the loan procedures, it should be handled according to the model of "find the bank first and then the car dealer". Nowadays, many car dealers will make promises to car buyers to help them apply for bank loans in order to sell vehicles. In this case, car buyers will be embarrassed to negotiate the price or put forward other conditions. In fact, the main people who can help car buyers are the salesmen of insurance companies. In order to sell insurance, they usually take the initiative to help car buyers fill in various forms or handle specific procedures. Therefore, car buyers can take good care of themselves from dealers. After buying the car, go to the bank to apply for a "direct customer" loan, and then use the "money" to buy the car. This way you can legitimately bargain with the dealer or enjoy discounts. The specific procedures are as follows (the requirements of each bank may be slightly different in order):

1. Submit an application. After you are optimistic about the vehicle you want to buy, fill out the car loan application form and credit rating questionnaire, and submit them to the lending bank together with relevant proof of your personal situation.

2. The bank conducts pre-loan investigation and approval. If the bank meets the loan conditions, the bank will promptly notify the borrower to fill in various forms.

3. Notify the borrower to sign a loan contract, guarantee contract, mortgage contract, and handle mortgage registration and insurance procedures.

4. The bank issues a loan (directly transferred from the bank to the car dealer's account).

5. The borrower pays the down payment to the car dealer and goes through the procedures for picking up the car with the passbook and the car delivery note issued by the bank.

4. How easy is it to get approved for a car loan?

Answer: Bank approval is cumbersome and takes a long time. How can you save time and get a loan more quickly? The Immediate Loan Analyst will give you some tips.

Loan conditions: Find another high-quality customer as guarantee

High-quality customers include civil servants in party and government agencies, employees in power, telecommunications, tobacco, finance, hospitals and other departments, and high-income lawyers, etc. Ten categories of personnel.

VIP customers of major banks

Loan conditions: You only need to provide simple information through a guarantee company. The approval rate is quite high, and you can basically get a loan.

Don’t be disappointed if you haven’t entered the bank’s high-quality customer list. Let’s take a look at the second list. Many people are happy again. That's right, if you can't become a premium customer, you can still become a VIP customer.

What is a VIP customer? To be specific, if you have a regular deposit of 500,000 yuan for more than 3 months with Bank of China or China Construction Bank, or a stable deposit of 200,000 yuan with ICBC, then you are Legendary VIP customer.

Objectively speaking, VIP customers are not as advantageous as those in the top ten industries mentioned above. However, when facing a guarantee company, you will not bear such a high credit rating. Harsh review, this title itself has given you a layer of divine light, which will help you get a car loan smoothly.

Other high-income groups

Loan conditions: through a guarantee company, provide detailed information, because the general income is high, the approval rate is relatively high.

When they saw this, a large group of people below began to complain: "I also have a lot of money, why do I have to go through such a detailed review by the guarantee company? I also have deposits in the bank, but it is less. Yes, the liquidity is a little faster, is this also wrong?"

But complaining is useless, who said you are not the first two types of people. For this group of high-income earners, guarantee companies are a hurdle they must face. But what do you have to worry about? The high income is clearly there.

What people on the gold list need to worry about is often just whether they have a bad credit record. As long as there are no problems with this, it is almost certain to get a car loan from the bank.

5. Ordinary citizens

Loan conditions: Provide detailed information through a guarantee company, and have an absolutely excellent credit record. Of course, sometimes a little luck is needed.

Those who can still "patiently" wait for the final list to be announced are the last batch of people who hope to obtain a car loan.

As ordinary citizens, the road to buying a car with a loan is destined to go through many tests.

First of all, you must have a continuous and stable source of income, which is the ability to repay; secondly, the monthly household income must be more than twice the loan amount (plus a mortgage if you have one); thirdly, Your bank record must be good.

This is just the entry requirement. There will also be a series of tests waiting for you. The guarantee company or bank may ask for a home visit at any time and conduct a detailed examination of any piece of information you provide. If any piece of information does not match, I'm sorry, but you will be out.