Legal analysis: Lending money to others to buy a car in the name of an individual will generally affect the credit of bank loans. The so-called vehicle registrant is the vehicle owner in the legal sense. When the beneficiary can't pay off the loan, the guarantor needs to borrow from the bank in this name. In the process of repayment, the other party's delay in repayment will directly have a negative impact on the lender's credit, leading to the lender becoming sleepy when lending again.

Legal basis: "People's Republic of China (PRC) should strictly examine the borrower's credit standing when conducting credit business, and the guarantee bank should take back the due protection from the borrower according to law.

Second, what is the car loan?

With the continuous improvement of people's living standards, cars have become an indispensable part of people's daily life. In everyone's impression, buying a new car seems to be a quite common thing. Loans not only relieve short-term pressure, but also help long-term capital planning. Personal loans to buy a car are very common. What are the basic requirements for buying a car with a loan? What are the conditions?

What do you need to buy a car with a loan: a prerequisite for buying a car with a personal loan?

1. Individuals need to have a stable professional income or assets that are easy to realize, enough to repay the loan principal and interest on schedule.

2. Its own funds are enough to pay the down payment for car purchase stipulated by the bank.

3. A bank-approved guarantee must be provided.

4. Willing to accept other conditions deemed necessary by the bank.

What do you need to borrow to buy a car: materials for personal loans to buy a car?

1. Personal loan application;

2. Personal valid identity documents. Including: resident identity cards, household registration books, military officers' cards, passports, passports of compatriots from Hong Kong, Macao and Taiwan, etc. If the borrower is married, proof of spouse's identity is required;

3. Household registration mark or long-term residence mark;

4. Personal income refers to the need to provide family income or property when necessary;

5. The intention to buy a car issued by the car dealer indicates;

6. Note on the down payment for car purchase;

7. Guarantee by means other than mortgage of the purchased car, and provide relevant materials of guarantee, including: pledge certificate, certificate of ownership of collateral, evaluation statement of third-party guarantee, letter of intent, etc. ;

8. If the borrowed vehicle is a commercial vehicle, it is also required to provide signs that the purchased vehicle can be legally used for operation, such as the vehicle's affiliation agreement with the transport fleet and the lease agreement;

9. If you buy a car with a loan, you also need to provide a car purchase intention prompt and a car evaluation report issued by a bank authorized institution; The automobile ownership statement of the automobile seller, the motor vehicle registration certificate of the traded automobile, the annual inspection statement of the automobile, etc.

What do you need for a loan to buy a car? What are the tips for buying a car with a personal loan?

1. Choose real estate mortgage to buy a car.

Taking real estate as collateral reduces the loan risk of banks, and lenders can get lower loan interest rates. At the same time, real estate mortgage loan has the advantage of long term, which can reduce the monthly payment of loan buyers.

This method is suitable for people who apply for a house, and the property rights between loans remain unchanged. Non-owner-occupiers can rent it out to ease the repayment pressure.

There are many advantages to repaying the loan in advance.

When handling car loans, you should choose a less stressful repayment method. When the economic pressure is great, the loan period should be appropriately extended. In the case of stable funds, short-term to one-time repayment is optional. The shorter the time, the less interest the borrower needs.

Repaying the loan in advance needs to be tailored to the situation, and it is not allowed to repay the loan in advance under the condition of unstable income, which may easily lead to the break of family capital flow.

Today, the brief introduction of Bian Xiao Auto ends here. The above is a brief introduction to the basic requirements of Bian Xiao's auto loan to buy a car. Although it is quite common to borrow money to buy a car, many people still don't understand it. I hope Bian Xiao's shared car can help you solve the problem. What else do you want to know? Let's discuss it with Bian Xiao Automobile Company.

Third, what do you need to buy a car with a loan?

Condition: 1. China citizens who have reached the age of 18 and have full capacity for civil conduct; 2. Have a Beijing hukou and a fixed residence within the administrative area of Beijing; 3. The individual has a good reputation, has stable professional and economic income, and can repay the loan principal and interest on schedule; 4. During the loan application period, pay no less than the down payment for car purchase stipulated by the bank; 5. Willing to accept other conditions deemed necessary by the bank: the longest term of personal automobile consumption loan is five years (inclusive). The car price is less than 70,000 yuan (including 70,000 yuan), and the maximum term of personal car consumption loan is three years (including). Down payment: the maximum amount of personal automobile consumption loan shall not exceed 80% of the purchase price, that is, the down payment shall not be less than 20% of the purchase price. Insurance: During the loan period, the borrower must continuously take out motor vehicle loss insurance, third party liability insurance and theft insurance, and specify in the special insurance agreement column that when the motor vehicle insured during the loan period is stolen, totally lost or presumed totally lost, the loan handling bank is the first beneficiary of insurance compensation. Survey: (1) Pre-lending survey 1. The loan applicant carefully fills in the "Pre-loan Pre-examination Form -I" and submits it to the bank for preliminary examination. 2. The bank initially completed the loan qualification examination of the applicant through the "Pre-loan Pre-examination Form -I". For applicants who meet the bank loan standards, the bank informs the loan applicants to prepare personal loan application materials. 1) Customers applying for personal automobile consumption loans should provide the following materials: an application for personal automobile consumption loans; Copy of the original resident ID card and residence booklet (the married person should also provide a copy of the original spouse ID card and residence booklet); Certificate of permanent residence; Marriage certificate; Education certificate (bachelor degree or above required); Proof of the borrower's repayment ability recognized by the bank, including the salary certificate or other legal income certificate issued by the unit (referring to the comprehensive income of the family, all income certificates are required); Other relevant information deemed necessary by the handling bank; 2) If the loan applicant provides a personal salary income certificate, it shall be issued by the unit to which it belongs and stamped with the official seal; If proof of operating income is provided, business license, financial statements and tax payment certificate shall be provided; If proof of rental income is provided, the lease contract, proof of ownership of the leased property and proof of rental entry shall be provided; If you provide personal financial and non-monetary assets certificates, you need to provide relevant rights certificates. If the customer is a company legal person or a private owner, it should be required to provide business license, financial statements and other information according to the specific circumstances to further understand the company's operation and financial situation. 3) The residence certificate of the loan applicant includes the real estate license, the house lease or sales contract, and the customer residence certificate issued by the neighborhood committee or the police station. 4) If there is a guarantor, it is necessary to provide the guarantor's resident identity card, a copy of the original household registration book, income certificate, marriage certificate, academic certificate, professional title or professional qualification certificate. 3. Face-to-face signing 1) Before issuing the loan, the bank must appoint an account manager or business manager to meet with the borrower to find out his credit standing, and fill in the "Investigation on conversation record before Personal Automobile Consumption Loan of Bank Beijing Branch". 2) The applicant shall provide the loan application materials and fill in the Loan Application Form. The bank account manager or business handling personnel shall check the original and photocopy of the loan application materials, and after confirming that they are completely consistent, they shall affix the words "After verification, the original and photocopy are consistent" on the retained copy and affix their personal seals. 3) Witness the signature of the loan applicant on the loan contract, relevant vouchers and other legal documents, ensure the authenticity of the signature, and sign the witness statement of the account manager. 4. Home Visit Investigation For each individual car consumption loan, our staff must make a home visit investigation in person, form a home visit investigation report and sign it for confirmation.

4. I plan to borrow money to buy a car. How to calculate the purchase tax and insurance?

1. The car loan fee does not include purchase tax and insurance.

2. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at special dealers. Loan to buy a car refers to the loan issued by the lender to the borrower who applies for buying a car. In fact, it is to borrow money from financial institutions to buy a car. However, financial institutions require car buyers to pay a certain percentage of down payment and provide proof of repayment ability. They have no bad credit record and must meet the requirements of financial institutions before they can apply for a loan to buy a car.

3. Basic knowledge of loan car purchase: 1) Total down payment = necessary commercial insurance for down payment. 2) purchase tax = purchase price /( 1 17%)× purchase tax rate (10%). 3) Licensing fee: Generally, the one-stop service fee provided by merchants is about 500 yuan, and the personal handling fee is about 373 yuan, including industrial and commercial verification 150 yuan, mobile license 30 yuan, environmental protection license 3 yuan, extension fee 40 yuan, driving license photo 20 yuan and pallet 130 yuan. 4) Vehicle and vessel use tax: unified in different provinces. Take Beijing as an example, there are 9 or less buses in 480 yuan and 9 or more buses in 540 yuan. 5) Compulsory traffic insurance: 6 or less families in 950 yuan, 6 or more families 1 100 Yuan. 6) Total term insurance: The average discount of insurance companies is 77%.