Is it okay to buy a car and get a mortgage in Hechuan with a foreign hukou?

Foreign households can apply for mortgages and car loans when buying a car in Hechuan, and generally, the lender is a valid personal identity document. Including resident ID card, household registration booklet, etc. If the borrower is married, please provide proof of spouse's identity (Note:

All things being equal, married people are more likely to get a loan than unmarried people) Car loan regulations are as follows:

Application materials to be provided:

1.Valid personal ID. Including resident ID card, household registration booklet, etc. If the borrower is married, the identity of the spouse must be provided;

2.Proof of intent to purchase the car issued by the car dealer;

3.Proof of household registration or long-term residence;

4.Proof of personal income and, if necessary, proof of family income or property;

5.If the guarantee is made by means other than the mortgage of the purchased vehicle, the relevant materials of the guarantee shall be provided;

6.Proof of down payment for the purchase of the car;

7.If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation.

2.After signing the contract, the bank shall investigate and approve the application materials submitted by the borrower, and the two parties shall sign the loan contract and guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;

3.Loans: After all the formalities are completed, the bank will directly transfer the loan to the account of the car dealer by transfer as agreed in the contract;

4.The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract;

5.The loan is settled. There are two types of loan settlements: normal settlement and early settlement, as follows:

1) Normal settlement: settle the loan on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment repayment);

2) Early settlement: Before the maturity date of the loan, if the borrower settles the loan in part or in whole in advance, he or she must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.

6.After the loan is settled, the borrower shall bring back the legal voucher and relevant supporting documents taken by the bank with his valid identity certificate and the loan settlement voucher issued by the bank, and go through the mortgage registration cancellation procedures with the loan settlement voucher to the original mortgage registration department.

You can apply for a mortgage car with a non-local account.

Mortgage car application conditions:

1.Have a valid identity certificate and have full capacity for civil conduct;

2.Able to provide proof of fixed and detailed residential address;

3.Have a stable job and the ability to repay the principal and interest of the loan on time;

4.Personal social credit is good;

5.Hold a contract or agreement for the purchase of a car approved by the bank;

6.Other conditions stipulated by the cooperating institutions.

Mortgage Vehicle Application Information:

1.Original ID card, household registration booklet or other valid residence permit;

2.Proof of occupation and financial income;

3.A car purchase agreement, contract or letter of intent signed with the dealer;

4.Other documents required by the cooperating institution.

Mortgage car application process:

1.Choosing a car at a special dealer of the bank and signing a car purchase agreement or contract;

2.The borrower applies for a personal car mortgage loan from the lending bank;

3.Sign the contract after the investigation and approval;

4.Handle car notarization, mortgage and other formalities;

5.bank loans;

6.After the loan is repaid, the bank cancels the pledge certificate and returns it to the borrower.

1. The specific process of the loan for the purchase of a car in another place.

2. The first step is for the applicant to apply for a loan for a car purchase loan in a different place, which should be said that the applicant can apply for a loan in the name of an individual or in the name of a company.

3. The second step is to submit a loan application, as for the review of the loan applicant's conditions, this varies from one lending institution to another. For individual applicants, they need to provide personal ID cards, household registration books, income certificates and good credit certificates to take out loans, and applicants who take out car purchase loans in the name of the company need to provide business licenses, taxes, company specific information and asset profitability.

4. The third step is to sign the loan contract, and then the lending institution will lend, it should be said that the applicant for the car purchase loan in another place must want to get the money as soon as possible in the amount of money, but different lending institutions will be different in terms of loan amount and loan speed, which is also understandable.

5. After doing the above steps, the loan application for the purchase of a car in a different place has completed the entire loan process, and then you can go to the 4S store to pick up the car, of course, the applicant must also repay the loan on time in accordance with the signed loan contract.

Loan amount: The maximum loan amount is generally not more than 70% of the purchase price of the car.

Loan term: The term of auto consumer loans is generally 1-3 years, and the longest is not more than 5 years.

Loan interest rate: Implement the People's Bank of China benchmark interest rate.

Eligibility. 1.Have a valid identity certificate and have full capacity for civil conduct;

2.Able to provide proof of fixed and detailed residential address;

3.Have a stable job and the ability to repay the principal and interest of the loan on time;

4.Personal social credit is good;

Required Materials: 1. ID card of the applicant and his/her spouse;

2. Household register of the applicant and his/her spouse;

3 Marriage Certificate.

4. Proof of income of the applicant and his/her spouse;

5 Proof of Property.

6 Driver's license. 7 Bank statement details in the name of the individual.

Note: If you are unmarried, you do not need to provide your spouse's materials and marriage certificate, but if you are divorced, you need to provide a divorce certificate or divorce agreement.

Go to 4S first to look at the car, generally many models now have interest-free loans Maybe there will be many different loan varieties for a car, and you must confirm that you want to make the one with the lowest interest rate.

Generally, what is needed to get married is the household registration booklet, marriage certificate, ID card, and some will need a driver's license, and then there is the real estate certificate, income certificate, bank card for half a year, and those who are not married may need an unmarried certificate.

You just have to tell 4S that you want a loan, and you can bring these over, and you must remember to ask about the interest rate and choose the lowest, hehe.

ID card, household registration book, marriage certificate and ID card of both parties when you get married, proof of income, there is a real estate certificate with a real estate certificate, you are looking for a guarantor, take these to the 4S store, the waiter will do it for you, and you will wait to pay the money OK.

Hehe, you should look at someone else's, better.

You can take out a mortgage to buy a car with a foreign account, but you need to provide relevant proof of local permanent residence and local employment.

The operation process of buying a car mortgage with a foreign account:

The borrower chooses a car at a special dealer of the bank and signs a car purchase agreement or contract;

The borrower applies for a personal car mortgage loan from the lending bank;

Sign the contract after the investigation and approval;

Handle car notarization, mortgage and other formalities;

The lending bank handles the loan;

After the loan is paid off, the lender (bank) cancels the pledge certificate and returns it to the customer.

A foreign account can be used as a mortgage to buy a car, and the following conditions need to be met:

1. Have a valid identity certificate and have full capacity for civil conduct;

2. Able to provide proof of fixed and detailed address;

3. Have a stable occupation and the ability to repay the principal and interest of the loan on time;

4. Good personal social credit;

5. Hold a car purchase contract or agreement approved by the lending bank;

6. Other conditions stipulated by the cooperative institution.