What materials do I need to apply for a car loan?

1. Property buyers need to provide valid identification documents, and temporary id card can do the same.

2. If you are married, you need to provide a marriage certificate and a copy of your spouse's ID card.

3. proof of residence. You need to provide proof of residence in your permanent residence, such as the electricity bill for the last 6 months. If you have a real estate in your permanent residence, you need to provide a real estate license.

4. Proof of work and income. Provide proof of income stamped by the work unit. If you are currently unemployed, it is generally difficult to apply for a loan.

Extended information:

1. The procedures required for loan to buy a car are as follows:

1. When the buyer chooses a car model in a 4s shop, he must first understand the relevant parameter configuration of the car model, so as to better check the vehicle configuration information when renewing the contract;

2. The dealer will review the information provided by the buyer, and judge the lender's car purchase qualification (especially the manufacturer's financial institution) through the buyer's work, income, real estate and other factors when buying a car. If yes, the dealer will provide you with a letter of intent to buy a car and let you go to the bank for a loan. Pay attention to too many overdue records of personal credit information;

3. Go to the bank to apply for a loan with the letter of intent to buy a car and relevant information, and wait for the bank to approve the relevant information of the buyer. It usually takes about a week. If the buyer's loan institution is the financial institution of the car factory, the audit time will take about one day.

4. After the approval, the dealer will sign a car purchase contract with the buyer and notify the customer to pay the down payment for the vehicle. Generally speaking, the bank will not let your down payment exceed 50% of the car price, but the minimum down payment is 20%. At the same time, the dealer and the buyer will handle a bank account or credit card;

5. The dealer's chamber of commerce will handle the mortgage and insurance formalities with the buyer. After handling, the customer can pick up the car smoothly.

Secondly, there are the following points to note:

1. When signing a car purchase contract, you need to carefully check the relevant information on the contract, especially the vehicle configuration column. Secondly, it is necessary to confirm the total price of the vehicle and the number of repayments per period.

2. If the bank can't get the loan, you can try to go to the factory finance or finance company. However, when looking for a financial company, beware of being cheated. It's safer to shop around.

3. When choosing the vehicle model, do what you can. The main consideration is whether the monthly repayment will cause great pressure on yourself.

4. In the first year of insurance, try to insure the vehicle completely.

5. It should also be noted that if the debt exceeds 50% of the assessed value of the vehicle, the bank may not approve it.

What documents do you need for a car loan?

Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also known as auto mortgage. So what documents do you need for a car loan? There are three kinds of car loans: personal car loans, enterprise car loans or family car loans. Different names require different documents. Personal automobile consumption loan: resident ID card, household registration book, marriage certificate, valid income certificate (tax bill, salary slip, passbook, etc.). ).) or other valid proof of income source, proof of whether there is a prescribed proportion of down payment, and proof of guarantee materials approved by the bank. Corporate automobile consumption loan: business license of enterprise as a legal person or license of public institution as a legal person, legal person code certificate, legal representative certificate, legal representative ID card, company financial certificate, and down payment certificate for car purchase. Automobile consumption loan: in addition to the applicant's relevant loan certificate, it is also necessary to provide the spouse's relevant certificate.

What information do you need for a car loan

What materials do I need to provide to apply for a car loan?

For those who want to buy a car but lack of funds, car loan is undoubtedly their best choice. Information to be provided when applying for a car loan:

1. Original and photocopy of ID card, marriage certificate, household registration book or other valid residence certificate of the borrower and spouse;

2. The borrower's occupation and income certificate issued by the department or unit recognized by the lender, or other income or property certification materials that the borrower is willing and able to provide to prove its ability to pay;

3. Car purchase agreement or contract signed with the dealer designated by the lender;

4. If the vehicle is mortgaged, a written document of the guarantor's consent to guarantee and relevant credit certification materials shall be issued, and the guarantor shall provide a certain percentage of deposit when necessary;

5. The deposit certificate of China Bank or the down payment certificate issued by the car dealer shall not be lower than the down payment.

Automobile loan application conditions

To apply for auto consumption loans, in addition to buying cars within a limited range from special dealers recognized by banks, car buyers applying for auto consumption loans must also meet the following conditions:

(1) The buyer must be a citizen of China who has reached the age of 18 and has full capacity for civil conduct.

(2) Car buyers must have a stable job, a stable economic income or assets that are easy to realize before they can repay the loan principal and interest on schedule. The realizable assets here generally refer to securities, gold and silver products, etc.

(3) During the loan application period, the car buyer will deposit the down payment for car purchase lower than that stipulated by the bank into the savings counter account of the handling bank.

(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not in the local area, a joint liability guarantee shall also be provided. Banks will not accept loans for car buyers to buy automobile mortgage.

(5) Car buyers are willing to accept other conditions deemed necessary by the bank.

What materials do you need for car loan?

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.

Extended data:

Car loan channel:

1. auto financing company: the biggest advantage lies in convenience and low threshold. Companies are generally founded by car companies. Its "convenience" is not only reflected in the direct application through 4S stores, but also in the fact that there are no requirements for hard conditions such as hukou and real estate.

2. Buying a car with a credit card: The most obvious advantage lies in the loan interest rate, which is half lower than the traditional bank car loan interest rate. Ordinary credit cards can be applied, and the models are also cross-brand, with a wide range of choices. The premise is that you need a higher credit line to enjoy it.

3. Bank car loans, banks are facing the pressure of tightening credit scale, consumer loans such as car loans have shrunk sharply, and the loan doors of some middle and low-end cars have been temporarily closed. The biggest advantage is a wide range of choices. Car buyers can go directly to the bank to apply for personal car consumption loans after they take a fancy to the models.

However, the procedure of lender qualification examination is very complicated. It is generally necessary to provide real estate (such as real estate) as collateral. Some banks are open to high-end customers or high-end models, and the car itself can be used as a mortgage. However, compared with other car loan methods, the time period for approval is very long. In terms of loan interest rate, the auto mortgage interest rate generally rises by about 10% on the basis of the benchmark bank loan interest rate in the same period.

Most car loan businesses need guarantee companies to guarantee or buy car guarantee insurance, and car buyers also need to bear 2.5% to 3% guarantee fees. When all procedures are added up, the comprehensive cost of bank car loan is the highest among the three ways.