全款车和按揭车申请不押车贷款的条件有何不同?

一、全款车

(1)18~60周岁具有完全民事行为能力的中国公民

(2)最好在南昌具有固定住所

(3)具有稳定的经济收入,具备还款能力

(4)允许在车上安装GPS定位系统(不押车)。

二、按揭车

(1)25~55周岁具有完全民事行为能力的中国公民

(2)购车贷款为银行按揭贷款,且正常还款满半年,若已还清,要求还清时间不超过半年

(3)在南昌具有固定住所,最好为已婚人士

(4)有稳定的职业和经济收入,具备还款能力。如果车贷不是在南昌办理的,还要求能提供南昌工作的银行流水证明

(5)没有违法行为及严重不良信用记录。以上两款不押车贷款不仅条件要求不同,而且贷款利率、贷款期限、放款机构、申请资料、放款时间等也都有区别,但还款方式均为按月等额本息还款。更多详情可咨询恒兴伟业的在线客服。还有一点需要注意的是,考虑到车辆的变现能力,车龄过长的车辆往往不易屡获贷款机构的芳心,这对车辆行驶已久的朋友而言,贷款之路无疑被亮起了红灯。不过,好在对于“车龄过长”的定义,各家机构别有一番理解,让不少行走在贷款失利边缘的朋友,可以寻找到一丝惊喜。譬如,平台对全款车GPS不押车贷款的车龄就无要求,只要车现在还有使用价值,均可用来申请汽车贷款。

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One thought on “全款车和按揭车申请不押车贷款的条件有何不同?

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