With the continuous development of the domestic used car market, good news has also emerged in the policy that the state allows second-hand cars to handle mortgages. We can buy used cars without paying the full amount, and we can also buy used cars through mortgages. What about the used car mortgage process? What are the processes? Take a look at the specific introduction.
First, the application conditions. Dealing with the mortgage of used cars requires a certain number of application conditions, specifically including such contents as age conditions, family registration conditions, working conditions, and credit conditions. The applicant should be a natural person with complete civil conduct and be between 18 and 60 years old. Having a permanent residence qualification in the local area and a stable and proper occupation are the most important criteria for judging economic ability and whether it is an important indicator of whether or not to pass the application. At the same time, the applicant should also have a good reputation, no bad records and so on. These application conditions will be reviewed one by one. If there is any unsatisfied situation, it may affect the approval of the audit.
Second, application materials. The application materials that need to be submitted are: loan application, ID card or account book, economic income certificate, car purchase agreement or contract, proof of repayment guarantee, proof of payment for the first payment of the car, and other information required by the bank. Among the most important of these application materials are proof of income and guarantee documents, which are directly related to the ability to repay and the risks borne by the bank. In general, people with fixed jobs are more likely to apply for approval. They have a stable source of income and have good repayment ability.
Third, bank-related businesses. When you go through these procedures with the bank, you need to consult the specific business. Sometimes the used car dealership market will have a bank with which to cooperate. It is easier to get a loan to such a bank. The applicant is required to fill in some supporting documents and submit it to the bank for review together with the materials it has prepared. The bank will review the applicant’s qualifications and credit status. If passed, the loan can be successfully completed. The remaining thing is that the applicant should repay the loan in full monthly amount.
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