With the change of consumption concept, more and more people choose to buy a new car or a second-hand car with a loan. What is the meaning of car transfer loan? What are the basic conditions for personal car loans?
Citizens over 18 years old with full capacity for civil conduct;
Have legal identity document, local permanent residence or valid residence certificate.
Materials to be prepared for applying for a loan to buy a car:
1. Personal loan application form;
2. Personal valid identity document. It includes resident ID card, household register, military officer card, passport, etc. If the borrower is married, the identity certificate of the spouse shall be provided;
3, registered residence certificate or long-term residence certificate
4. Personal income certificate, family income or property certificate if necessary;
5. Certificate of purchase intention issued by auto dealer;
6. Certificate of down payment for car loan;
7. If the guarantee is made by means other than the mortgage of the purchased vehicle, the relevant materials of guarantee shall be provided, including the certificate of title of the pledge, the certificate of ownership and evaluation of the mortgaged real estate, the letter of intent of the third party guarantee, etc;
8. If the borrowed vehicle is a commercial vehicle, it is also necessary to provide the proof that the purchased vehicle can be legally used for operation, such as the affiliation agreement and lease agreement of the vehicle attached to the transport fleet;
9. If the borrowed vehicle is a second-hand vehicle, the certificate of purchase intention, the vehicle evaluation report issued by the evaluation institution recognized by China Construction Bank, the vehicle property right certificate of the vehicle seller, the motor vehicle registration certificate of the traded vehicle, and the annual inspection certificate of the vehicle shall also be provided.
The above are the basic conditions for personal auto loan and the materials that need to be prepared when applying for a loan to buy a car. I hope this answer can solve your problem.