How many days can a car loan be approved?

1. How many days can a car loan be approved?

Car loans can generally be approved. If you choose manufacturer finance when buying a car, the approval speed will be faster. Generally,

Car loans are easier to pass than other loans, because people who earn more from car loans than other loans (housing loans) can generally afford it, unless you choose a car that is beyond your tolerance.

However, the approval speed will also be affected by many factors. For example, if the information provided by you is incorrect, the bank will call you to pay a return visit to the car loan. If there are mistakes during the return visit, it will also affect the approval speed and even the approval result.

if the car loan bank does not approve it, it may be caused by several reasons.

1. Loan repayment.

2. Poor credit information. If you have ever had a credit card overdue within 5 years, you will be twice in arrears and refuse your loan.

3. The spouse's credit information is poor. The spouse of a married person owes too much. If your debt may be rejected, even if it is not rejected, the loan amount may be reduced.

5. The monthly repayment amount accounts for more than 5% of your monthly income.

when we buy a car, we should. If the car loan fails unfortunately, you should reflect on your possible problems. If the bank loan is not enough, you can also choose car dealer finance or car loan company. Car loans are public, but the rate will increase accordingly.

knowledge supplement on loan to buy a car:

1. the process of handling loan to buy a car:

1. the borrower submits loan application materials to the bank

2. the bank conducts preliminary examination on the application materials submitted by the borrower;

3. The bank conducts credit investigation and customer evaluation on the borrower;

4. The bank has passed the preliminary examination and credit investigation, which is in line with the approval of the lending bank;

5. If it passes the examination and approval, notify the borrower to handle the relevant procedures such as contract or pledge; If it fails to pass the examination and approval, it shall be explained to the borrower;

6. after the loan contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.

2. The basic requirements for applying for automobile mortgage are as follows:

1. Citizens who are over 18 years old and have full capacity for civil conduct.

local permanent residence or valid residence certificate.

3. The borrower should have stable professional and economic income or assets that can be easily realized, enough to repay the loan principal and interest on schedule.

4. The lender has enough funds to pay.

5. Lender.

6. The lender is willing to accept other conditions deemed necessary by the bank.

second, how many months does it take for the car loan to use the bank running water?

Generally, a car loan needs 3-6 months of running water, because running water can reflect your income from the side. The running list contains the incoming and outgoing accounts and balances. If there is not much running water, the balance in the card can be typed out for approval.

put the money you are going to buy a car in the card now, and it would be nice to deposit and withdraw some running water from the bank recently.

If you are a businessman, you can provide a business license. If you don't have a business license, receipts, documents and other things that you usually do can prove your income.

Look at your financial situation, not just a running account, but consult someone who can get a loan (mobile phone "cash loan", looking for the way to borrow money that knows you best).

As long as your credit rating is fine and you have no criminal record, micro-car loans are a big problem.

3. How long does it take for the car loan to come down

Under normal circumstances, the car loan will be paid in a week or so, and the lender needs to take the specific time of receipt as the basis. The review of car loans is still relatively fast. The review speed of car loans will be determined according to the completeness of the information submitted by the lender. The more complete the information submitted by the lender, the faster the review speed will be.

The speed of car loan receipt is related to the loan channel. Because banks handle car loans for lenders according to the formal process, it will take a long time to receive the loan. Online car loan processing is relatively fast, and the loan arrives in 2 hours at the earliest.

after the car loan arrives, you need to pay attention to the car loan term. Passenger car loan period is generally not more than 3 years, and the longest one that meets the corresponding conditions is not more than 4 years. The loan period of freight cars and engineering cars is generally not more than 2 years, and the longest period that meets the corresponding conditions shall not exceed 3 years.

materials needed for car loan: loan application; Original ID cards, household registration books or other valid residence certificates of the loan applicant and spouse, and provide copies thereof; Proof of occupation and economic income and basic family situation; Car purchase agreements or contracts signed with dealers, etc.

after the mortgage/pledge contract or guarantee contract has come into effect and the corresponding mortgage/pledge procedures have been implemented, the lending institution will transfer the loan to the designated dealer account according to the authorization and supervise the use. Lenders can consult the lending institution about the specific time when the car loan arrives.

4. How long does the car loan usually come down

It usually takes about one month to get the car loan card of Agricultural Bank of China after the car loan is completed. If it is successfully processed, the bank will be notified by SMS and telephone.