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购车贷款是指贷款人向申请购买汽车的借款人发放的贷款,也叫汽车按揭。简称“车贷”
申请汽车贷款的条件
(1)具有有效身份证明且具有完全民事行为能力;
(2)能提供固定和详细住址证明;
(3)具有稳定的职业和按期偿还贷款本息的能力;
(4)个人社会信用良好;
(5)持有贷款人认可的购车合同或协议;
(6)合作机构规定的其他条件。
申请汽车贷款的申请资料
1:身份证、户口簿或其他有效居留证件原件,并提供其复印件;
2:职业和经济收入证明;
3:与经销商签订的购车协议、合同或者购车意向书;
4:银行或贷款机构要求的其他资料。
申请汽车贷款的常见问题
一:贷款额度
贷款金额最高一般不超过所购汽车售价的80%。
二:贷款期限
汽车消费贷款期限一般为1-3年,最长不超过5年。
三:贷款利率
由中国人民银行统一规定。 有的银行或汽车金融公司贷款利率或根据贷款人资质的好坏做调整。有的汽车金融公司的某些车型有零利率或是零手续费的贷款业务,这也仅限于个别车型。
四:还贷方式
可选择一次性还本付息法和分期归还法(等额本息、等额本金)。
Car loans refers to the lender to borrowers apply for buying a car loan, also called car mortgage. Hereinafter referred to as "auto loan"
The condition of application for car loans
(1) with a valid proof of identity and a complete civil capacity;
(2) is provided with a fixed and detailed address;
(3) has the stable occupation and the ability to repay the loan principal and interest on schedule;
(4) personal good social credit;
(5) holding the lender approved purchase contract or agreement;
(6) other conditions prescribed by the partners.
Apply for a car loan application materials
1: id, booklet of registered residence or other valid residence certificate, original and provide its copy;
2: the occupation and income;
3: the car signed with dealers, contract or agreement
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