What should I do if I can't get a car loan at the age of 2/kloc-0?

Generally, it is enough to have a certificate and credit.

I suggest you find the account manager of the handling bank to understand the specific situation, find out the reason why your car loan can't be approved, and then make remedies.

If you can't pay the down payment of the loan, you can talk to the bank staff to find out why your loan has been delayed. If the problem lies in the buyer's own credit, running water and liabilities, it is suggested to increase the down payment and reduce the loan application amount, and then apply for a loan from the bank after the information is fully prepared.

For example, if the information provided is incomplete or wrong, the customer can re-prepare the perfect and accurate information for a second application, and then the car loan should pass the examination and approval smoothly without any accident.

Customers can also try to apply for another bank or auto consumption finance company. After all, different banks (auto consumer finance companies) have different loan policies. Maybe other loan policies are more relaxed, and I can get loans smoothly.

When reapplying, in order to increase the chances of loan approval, customers can also find a person with good credit status to guarantee their loans.

However, it should be noted that if the reason for the rejection of the car loan is that the customer's credit is not good and it is difficult to solve in a short time, then even if the customer changes banks (auto consumer finance companies), it is useless and the application can only be suspended; Or you can directly find a 4S shop to refund the deposit.

The process of buying a car by stages

The installment application materials that the customer needs to submit at the dealer: 1. The materials that customers need to present when applying are as follows: (1) Longka credit card (student card, business card, supplementary card and security card cannot be used for installment business); (2) ID card; (3) Work certificate (work permit, work permit, access card with photos, labor contract, certificate issued by the unit containing the applicant's income and work information) or asset certificate; 2. The dealer verifies the customer's application materials as follows: (1) Credit card: Check whether the customer's purchase order signature is consistent with the signature on the back of the letter of credit; Check that the name on the ID card, order form and credit card is the same natural person.

(2) ID card: Check whether the photo on the ID card is consistent with the customer himself, and whether the ID card is within the validity period. Customer application materials to be submitted by the distributor to CCB and the submission method: 1; application materials: (1) copy of the front and back of the ID card; (2) Copies of the front and back of the credit card; (3) A bank copy of Longka credit card installment purchase order; (4) Copy of work certificate or personal assets certificate; The dealer will fax the above materials to the credit card center of Shanxi Branch of CCB, and the card center will inform the dealer of the approval result as soon as possible after receiving the fax.

The installment payment amount applied by the customer is not less than 20,000 yuan, and the maximum amount is not more than 200,000 yuan. (3) The dealer informs the customer to handle relevant formalities. After the notice from CCB Credit Card Center, the customer is informed to pay the down payment, purchase insurance, apply for license and other related procedures. Where: 1. The down payment is the net car price minus the approved amount, which is at least 30% of the net car price. Credit card payment with CCB credit card is not allowed.

2. Only theft insurance and car damage insurance are the types of insurance that CCB requires to purchase for at least one year, and the first beneficiary is the owner himself. 3. The license plate must be on the owner's own license plate.

Payment application materials submitted by customers to CCB: 1, bank copy (original) of Longka credit card installment purchase form; 2. Bank copy of the installment payment receipt of Longka credit card (original); 3. The application form of Longka credit card automobile installment dealer (original); 4. A copy of the car purchase contract; 5. Copy of ID card and credit card; 6. Copy of car purchase invoice; 7. Purchase copies of insurance invoices and insurance policies; 8. Proof of down payment (such as copy of receipt); 9. Work certificate or asset certificate.