What if I failed to judge my car loan?Explains how to take the action and how to avoid giving up on the car | Calmomagazine for hints for car purchases
If you fail to judge your car loan, how do you deal with it?Here, we will explain how to take a car to buy a car, and the criteria for the car loan screening.
You don't have to give up your car, even if you fall into the screening.Here are some ways to get on the desired new car with the same installment payment as the car loan.
Even those who have failed to judge the car loan are also using!Click here for how to ride a new car with the same installment payment
Can't you get into the car if you fall into a car loan screening?How to deal with the failure
Even if you fall into a car loan screening once, you can get into the car if you pass other car loans.However, in that case, it is necessary to take measures to prevent the examination again.Here, we will introduce how to deal with the car loan screening.
The reason for failing to judge is that the borrowing amount for income is too large.First, let's review the borrowing amount.
In order to reduce the amount of borrowing, there are means of lowering the grade of the desired car or changing the model, but if you can prepare a large amount of money, it is recommended that you put a down payment and reduce the borrowing amount.If you take such measures and consider that you have enough repayment ability for the borrowing amount, the probability of passing the screening will increase.
According to the car loan screening, the "repayment burden", which indicates the percentage of annual repayments in annual income, is up to one -third of the annual income.The repayment burden is calculated not only for one loan, but also with the total borrowed amount, including other borrowing.
Therefore, if you have other borrowing, it will be advantageous for the examination if you repay it first.It is also possible that the credit card cashing slot affects the borrowing amount.We recommend that you cancel if you have no cards.
If the car loan applicant's repayment ability does not reach the passage criteria for the examination, you may be able to pass the screening by attaching a guarantor.This is because in the unlikely event that repayment is delayed, a guarantor who has sufficient repayment will be responsible for repayment.If a loan company has offered a guarantor, consider it positively.
In addition, it is common to make relatives, such as relatives, because the guarantors are responsible for being heavy.However, you should always be asked to be a guarantor, assuming you can repay your loan yourself.
Credit information is a history of borrowing, delinquent, debt consolidation, and bankruptcy from the past to the present, and these are recorded in credit information agencies.If the credit information has a financial accident history, it is difficult to pass the screening, so waiting for the record is also effective as a measure to prevent the judging from falling off.
The record of credit information is said to disappear in about 5 to 10 years.If you are aware of it, make a request to disclose information with the credit bureau and check it.
Judgment of screening depends on the car loan used.While private car loans such as banks and shinkin banks have low interest rates, the screening tends to be severe, while dealer loans have a higher interest rate, but they tend to be less screened compared to banks.
Car loans, which have a weaker screening, will increase the possibility of passing the examination, so let's change the car loan to apply based on the above.
Click here if you want to know more about car loans in the screening
Confirmed by car loan screening
What kind of information will be based on car loans?Although the criteria for car loans are not public, here are the points that are generally found in the screening and the reasons.
In the car loan screening, you will check the balance between the borrowing and annual income.Note that even if the annual income is high, if the borrowing amount is too large or the income is not stable, the screening may fall.
In addition, car loans will continue to repay for a long time, so if you do not have the stability of income that can be repaid reliably, you will not be able to pass the examination.
Employment forms and years of continuation are one of the subjects to measure the stability of income.Generally, it is said that if you are a full -time employee belonging to a company and the number of years of service is one year or more, it will be easier to pass.Also, the longer the employment age, the more advantageous.
On the other hand, part -time workers, part -time jobs, and self -employed people are often considered low stability, so it tends to be difficult to pass even with the same annual income as office workers.
Mortgages, card loans, consumer finance, etc. must also declare the borrowing amount when the car loan is reviewed.Note that multiple borrowing may be considered to be in trouble with money and it may be difficult to pass the screening.
It is said that the annual repayment amount of all borrowing is less than one -third of the annual income.
Information on financial accidents, such as delinquent loan repayments and bankruptcy, is recorded in the credit bureau and is subject to screening.It would be difficult to pass the screening if the transaction information was determined to have no repayment ability.
It is important to note that if you are familiar, you may be checked for delinquent mobile phone charges and application status of loan screening at other companies.
Asset conditions have a significant effect on loan repayment ability.If you have assets such as bank deposits, stocks, and land, you may be able to work in favor of screening.In addition, you can see whether the house is home or renting.However, it will not fall into the screening just because of rental reasons.
Click here if you want to know more about car loan screening standards
How to get into a car even if you fall into a car loan screening
If you fall into the car loan screening and apply again, the credit information may have a history of judging and it may be difficult to pass the screening.So I want to suggest a way to get in a car lease.
Car leasing can be used like a private car, and it has been used by those who have fallen in the car loan screening.Here, we will introduce the mechanism and benefits of car leasing.
Car leasing is a service that allows you to use a new car like a private car for your monthly fee.It is said that a screening is required like a car loan when using it, but it is said that even if you have failed to judge your car loan, you may be able to pass the screening.
The reason lies in the car lease price system.Car leasing, which calculates the monthly fee after subtracting the "residual value", which is the expected trade -in price of the vehicle from the vehicle body price, will reduce the amount to be screened compared to the loan that pays the entire vehicle price.。
In addition, the longer the contract is the month, the lower the monthly fee, so the repayment rate of the annual repayment can be reduced.For this reason, it is said that even those who have fallen in the car loan screening may be available.
K, 40s | Bus driver.This is the second time that a child lives alone and rides a move.
I applied for a car loan, but I failed to judge because I had forgotten to pay for my mobile phone before.At that time, I knew there was a car lease other than a loan, so I decided to try it.
When I applied for a flat -rate Carmo -kun, I was able to get on the new car I wanted to ride after passing the screening.I am satisfied with the grade of the car within the budget.
Even if I fell in the car loan screening, I was able to ride a new car!Click here for that method
If you are uneasy to pass the curlease screening, make sure you use the "trial screening" to pass the screening in advance.In the case of a fixed -rate Calmo -kun's trial screening, the screening results are usually understood on the next business day (up to 3 business days), and you can also teach the models that pass the screening.You can cancel after the examination and change the model, so let's apply for a trial screening with the cheapest model.
If you fall into the car loan screening, consider car leasing
Even if you fall into a car loan screening, you may be able to ride a new car you want.On the contrary, if you choose a cheaper car lease like a flat -rate Carmo -kun, you may be able to get in a higher -grade car.
With the flat -rate Calmo -kun, we also provide free consultation services that can solve the questions of the screening and the questions of car leasing in advance.First of all, why not tell your current troubles over the phone or LINE?
Frequently Asked Questions
A: Even if you fail to judge once, you may be able to pass the examination if you take measures and apply again.Take measures such as reviewing the borrowing amount, repaying other borrowing, attaching a guarantor, and trying again.It is also effective to check your credit information.
A: The criteria for car loans are not disclosed, but in general loans, the stability of annual income and income, employment forms, the number of years of service, the presence of other borrowing, the transaction status, the status of asset, etc.It will be eligible for judging.
A: With car leasing, even those who have failed to judge the car loan may be able to get into the car.Car leasing can be used as a private car for a monthly fee only, and it is easier to reduce the monthly burden than a car loan, so even those who have failed once in the screening are actually using it.
* Information in this article is produced with information as of February 2022.
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