Buying a car with a loan requires certain personal credit records.

When banks evaluate a person's credit status, they usually rely on the person's past credit behavior records, which mainly include the individual's past credit transaction records such as loan repayments and credit card use.

Application conditions for mortgage to buy a car:

1. Have valid identity certificate and full capacity for civil conduct;

2. Be able to provide proof of fixed and detailed address ;

3. Have a stable career and the ability to repay the principal and interest of the loan on time;

4. Have good personal social credit;

5. Hold the loan.

Extended information:

Personal credit record query method:

1. Generally, negative records abroad are kept for 7 years, bankruptcy records are generally kept for 10 years, and positive records are generally kept for 10 years. The retention time is longer, and query records are generally retained for 2 years.

2. There are two ways for individuals to check their credit reports. First, when applying for a credit card or loan from a commercial bank, the bank will query the basic database of personal credit information, and the individual will take a look at his or her credit report. Second, you can inquire with the credit management departments of the People's Bank of China in various places.

3. Except for you, only commercial banks can directly check the user's credit report when handling loans, credit cards and other businesses and performing post-loan management, and commercial banks must obtain the user's written authorization in advance.

4. It is reported that starting from September 27, 2014, Fujian residents whose first two ID numbers are "35" can log in to the Personal Credit Information Service Platform of the Credit Information Center of the People's Bank of China to inquire about their personal credit information. Credit report.

5. The personal credit report is a credit file issued by the Credit Reference Center of the People's Bank of China that comprehensively reflects the information subject's debt repayment, compliance with contracts, and compliance with laws and regulations. The personal credit report objectively records and integrates the credit performance of the information subject, and reflects its credit status comprehensively, accurately and timely. It is the "economic ID card" of the information subject.

Baidu Encyclopedia-Personal Credit Record