Can I buy a car after receiving approval from China Post Consumer Finance?
No, according to the regulations of relevant regulatory authorities, loans issued by consumer finance companies cannot be used for investment, house purchase, car purchase, etc. Can loan users buy a car with a loan? Just do this and you can buy it!
;?In real life, credit loan users are a group that cannot be ignored, and there are many of them. For loan users, there is also a need to buy a car. So, can loan users buy a car with a loan? Under normal circumstances, loan users have no way to apply for car loans from commercial banks and consumer finance companies. After all, loan users are blocked by these financial institutions. However, loan users can try to apply for a mortgage loan on online loan platforms and private loan companies, and then use the obtained mortgage loan to buy a car. Here we introduce to you 5 online mortgage loan platforms.
Ping An Home Owner Loan is a mortgage product under Ping An Puhui. As long as you have a property in your name, you can apply. The application threshold is much lower than that of banks. The approval process is simple and the entire process is online. Generally speaking, the credit limit ranges from 20,000 to 150,000 yuan, depending on different users. As long as the loan is repaid on time and the credit is good, Ping An will grant the credit limit based on the borrower's local housing prices and income.
Ping An Zhai e-loan Zhai e-loan is specially provided by Ping An Puhui for users who own real estate. They can obtain loans of more than 500,000 yuan. The loan interest rate is very low and the application is simple. It is the most popular mortgage loan. Mortgage products. Generally speaking, the home e-loan limit can reach more than 500,000 yuan, depending on different users. As long as the collateral meets the requirements and the credit is good, Ping An will provide the limit based on the borrower's local housing prices and income.
Baidu Home Loan Home loan is a loan product of Du Xiaoman, which is mainly designed for homeowners. The processing speed of home mortgage loans is much faster than that of traditional commercial banks, and everyone needs to spend much less time and energy. The loan amount is determined based on the borrower's personal credit and the price of the home. Generally speaking, the loan amount of a mortgage loan is relatively large. What are the uses of comprehensive personal consumption loans?
1. Positive answer
The main ones are as follows.
2. Specific analysis
1. Purchase furniture and home appliances
For example, purchase TVs, refrigerators, sofas, beds, wardrobes, tables and chairs, air conditioners, water heaters, etc. etc., can also be used for home decoration.
2. Purchase a car
For consumer loans, it is possible to purchase a car, but it cannot be used to purchase a house.
3. For education
For example, studying abroad, re-education after employment, etc. Loan funds can be used to pay for tuition, accommodation, and living expenses.
4. For weddings
For example, if you hire a wedding company, hold a banquet, buy wedding clothes, buy jewelry, etc., if you have a lot of short-term expenses, you can apply for a consumer loan.
5. Travel
It can be domestic travel or overseas travel. The longer the planned travel, the greater the demand for consumer loans.
6. Medical aesthetics
Medical refers to various medical treatments such as colds, diseases, accidents, etc. Medical aesthetics generally refers to oral, eye, plastic surgery and other treatment operations.
7. Production and business purposes
For production and business purposes such as expanding factories, adding business equipment, purchasing raw materials, accounting turnover, etc., you can also apply for consumer loans if the demand is small.
8. Other daily consumption
Such as shopping and eating, buying food and cooking, buying clothes and shoes, paying water, electricity and gas bills, transportation and other basic expenses for daily life.
Note that consumer loans have clear prohibited uses, that is, they cannot be used for home purchase, investment, and other areas prohibited by law.
You should also pay attention to your personal credit and do not apply for loans blindly. Otherwise, once the big data is used, if you want to apply for a loan again, your comprehensive score will be insufficient and the loan will be rejected. You can get a big data report from Beijian Quick Check to clearly know your status in online loan big data. This database cooperates with more than 2,000 online loan platforms, and the data queried is relatively accurate and comprehensive.
3. What are consumer finance loans?
There are many consumer finance loans, such as commodity loans and consumer loans from Home Credit Consumer Finance, Anyihua from Immediate Consumer Finance, good-term loans from China Merchants Union Consumer Finance, and Youqianhua platform from Duxiaoman Financial Manyidai, Zunxiangdai, Suning Financial’s Wishfuldai, JD Finance’s gold bar loan, Ant Financial’s Jiebei, Lexin’s Fenqile, etc.
In addition, other consumer financial institutions also provide various credit consumer loans to Zhongyuan Consumer Finance, China Post Consumer Finance, Haier Consumer Finance, Changyin Consumer Finance, Huarong Consumer Finance, Hangyin Consumer Finance, Jinshang Consumer Finance, Shengyin Consumer Finance, Happy Consumer Finance, etc.
As long as you pay more attention to maintaining good personal credit, there are no bad records in the credit report; and you can provide proof of stable income and have the ability to repay on time, you can generally borrow smoothly from the above-mentioned consumer financial institutions. Payment received.
Of course, if your credit is not good, you will not be able to borrow money for the time being.
It should also be noted that there are many unknown small loan platforms in the loan market. Although the application threshold is low, it is not recommended to borrow money because you do not hold a financial license.