Can I get a loan for a car of about 30 thousand, Zhihu

How much is the down payment for a 30 thousand car and how much is the monthly payment

The monthly salary is about 3000.

The minimum monthly payment for a 30,000 car is about 3,000 yuan per month. According to 30,000 vehicles, they are generally minivans or vans, and the profit is relatively low. Installment payment generally takes a small interest of 20% per year, and there is no other handling fee. If the 30,000 car is divided into 12 months, it will be enough to pay about 3,000 yuan per month.

If you buy a car for 30,000 yuan, with a down payment of 1 10,000 yuan and a loan for 3 years, then you need to loan 800 yuan every month.

I have a little over 30 thousand van, and my credit report is overdue. Can I get a loan?

You can borrow money. Generally speaking, if the total number of overdue times reflected in the credit report does not exceed 6 or 3 times in the past year, the bank will think that there is no serious problem with the credit record. If the applicant does not have a loans overdue record, the number of overdue credit cards is only once or twice, and such a credit investigation will not have a serious impact. However, if it is currently overdue, that is, a credit card is overdue when applying for a loan, even if the previous credit is very good, the current overdue will have a very serious impact on the loan application, and it is usually impossible to obtain a loan.

If it is overdue within 30 days, you can apply; If it is overdue for more than 90 days, it is possible to refuse the loan.

However, in addition to banks, you can also find a local formal loan company to handle related business. Because compared with banks, the threshold of loan companies is much lower. Of course, if you have a real estate and a car in your name and can provide relevant supporting materials, it is easier to get a loan.

Can I get a loan if my credit card has an overdue record?

The Notice on Defining the Standards for the Use of Personal Credit Reports clearly stipulates that personal credit cards or bank loans are overdue for three months in a row, or overdue for more than six times in two years, and cannot apply for provident fund loans. Even if the bank issues a "debt-free certificate". Personal credit does not meet the requirements of the notice, the loan review Committee can not agree to its housing loan application. In case of special reasons, after the loan bank issues a certificate, it will be studied and decided by the loan review committee.

Can I get a loan if I have bad car credit in my name?

If you have a car in your name and your credit is not good, whether you can get a loan depends on these two points:

1. Bad credit information can be divided into two types: credit information and overdue records.

If there are only a lot of hard inquiry records on credit information, and the loan credit information is very expensive, it will be difficult to apply for a loan. If you can prove your repayment ability, you can still try to apply for a loan, but the loan amount may be less or the loan interest rate will be higher.

If there are many overdue credit records, such as three consecutive overdue credit records in the past two years, it means that the borrower's repayment ability and willingness are extremely poor, and the loan application will often be directly rejected; However, there are few overdue records and short overdue time, which depends on the specific requirements of loan products.

2. If the car under the name of the loan applicant has obtained the title certificate, then you can consider using the car as collateral to apply for a mortgage loan; If there is no title certificate and the car loan is still paid, then the car can't be bought, sold or mortgaged. The applicant only has the right to use the car, but has no property right.

Car mortgage does not require high credit information, and there is no record of three times and six times overdue. Generally speaking, it can be handled, and the amount of loan you can get depends on the value of the car.

Anyway, is there a car in my name that I can borrow? Need to combine the credit information of the loan applicant and the specific situation of the car to analyze. In order to improve the loan success rate, it is suggested that everyone should strive to maintain a good credit record.

Can I get a loan of 200,000 yuan for buying a used car for 38,000 yuan?

Loanable second-hand car mortgage loan refers to a loan issued by a commercial bank to individual borrowers to buy second-hand cars for consumption and use the purchased cars as collateral. Now there are not only banks, but also major financial institutions.

Precautions:

1. First of all, be sure to buy from regular channels. Second-hand cars have some specialities, and the car condition and procedures should be complete.

2. When buying used cars, try to choose models with a large number of vehicles. Because of the low market share, the follow-up maintenance and use costs of niche models are high, and the use costs are high.