Where is the car loan with a very sweet screening?Tips for uneasy screening and how to get in the desired car | Calmomagazine for hints for car purchases

If you are worried about passing the car loan screening, applying for a car loan with a very sweet screening will increase the possibility of having a car.It is also important to take as much examination measures as possible before receiving the examination.

Therefore, I will explain the features of car loans with a very sweet screening and how to increase the possibility of passing a very sweet car loan screening.By holding down the points in advance, you will see the future where you can ride the desired car.

Click here for how to make an advantage in the interest rate of 0 yen and installment payments.

If the screening is extremely sweet, will you definitely go?

There are many types of car loans, and some car loans are said to be very sweet.However, a car loan with a very sweet screening does not mean that it will definitely pass.

In the car loan screening, it is determined whether it can be repaid properly to the end, based on the applicant's annual income and credit information.Therefore, if the borrowing amount and the annual income are not worth the annual income, or if there is a mobile phone fee in the past, the examination may fall.

However, the criteria for car loans vary depending on the loan company.By understanding each characteristic and choosing the best borrower for yourself, you can increase the possibility of passing the car loan screening.Let's start by understanding the type and characteristics of the car loan in order to pass the screening safely and have the desired car.

Click here for how to make an advantage over a very sweet car loan

Car loan ranking with extremely sweet screening

There are three types of car loans: "in -house loan", "dealer loan" and "bank loan".We will introduce the characteristics of each car loan in a ranking format in which the screening is sweet.

In -house loans are the most sensitive trend of car loans.

The company's loan is a store's unique loan that is mainly handled by used car dealers.It is named "loan", but does not pass banks or credit companies, and there is no interest rate.Therefore, if you meet the screening standards set up by each dealer, you can pass the examination.

However, it is common for your loan to add fees and guarantees to the vehicle body price instead of interest rates.Note that while the screening tends to be extremely sweet, the total repayment amount is more likely to be larger than other car loans.In addition, the name of the car will be paid to the store.

A dealer loan is a car loan provided by dealers affiliated and credit card companies.The screening tends to be sweeter than the bank -based car loan described later, but the interest rate is set higher.Also, like the company's loan, you cannot make the car name yourself until you pay off.

In many cases, a dealer loan can choose a "residual value setting type loan" in addition to regular car loans.Remaining set -type loans are often set lower than normal car loans, and their monthly payments are lower.

On the other hand, after a certain period of time, there is a drawback that you have to select one of the three options, whether to pay the balance at once, sign a loan contract, or return the car.Also, if you sign a loan contract again, you need to be careful because the interest rate is often set high, and the total payment may be higher.

Bank -based car loans are car loans provided by financial institutions such as banks and shinkin banks, and are most difficult to judge.

However, the interest rate is lower than other car loans, and the fact that you can make your car your own name from the beginning is an advantage.In addition, if you use a mortgage at the same bank, you may be able to receive interest rates.

When applying for a car loan, it is necessary to go directly to banks and shinkin banks, and the number of days before the screening results tend to be longer than other car loans.Therefore, it may not be suitable for those who do not want to take time and effort.

The one who fell in all the car loan screening was able to get on the new car!Click here for that method

Why the sweetness of the screening varies depending on the car loan

Even in the same car loan screening, the sweetness of the screening varies depending on where to borrow.The reason for this is how to own car ownership.

In -house loans and dealer loans, whose screening tends to be sweet, will be the one whose car owners lend money until both are paid off.Such a state is called "ownership reserves", and it can be said that the loan company has insurance in case of repayment in case of repayment.

On the other hand, in the case of bank car loans, the ownership of the car borrowed money from the beginning.Because the car cannot be collateral, it tends to make a loan only to those who can judge that it can be paid off, so the screening will be hard.

How to increase the possibility of passing a very sweet car loan screening

Choosing a car loan with a very sweet screening does not always pass.Therefore, we recommend that you take measures in advance so that you can increase the possibility of passing the screening as much as possible.Here are six measures to pass the super sweet car loan screening.

By preparing a certain amount of down payment, you can reduce the borrowing amount.The less amount of the examination is reduced accordingly, so the possibility of passing the screening will increase.

In addition, car loans will continue to repay for a long time, so they will be checked at the time of screening.Incorporating a certain amount of down payment gives the impression that you can save money systematically, and you may work positively.

Even if you can't prepare a down payment, if the amount of the car you buy is cheap, you can reduce the borrowed amount.Let's try to lower the grade of the car to choose, reduce the number of options to attach.

Also, if you are not particular about being a new car, choosing a used car is one way.If it is a used car that is cheaper than a new car, the borrowed amount can be reduced.Choosing a used car of an unpopular model may allow you to get a good condition.

When applying for a car loan screening, it is important to check the repayment ratio.The repayment ratio is the percentage of annual loan repayments in annual income, and in general, about 25-35 % of the annual income is limited.

This repayment includes borrowing repayments other than car loans.If the body fee of the smartphone is paid in installments or cashing with a credit card, the repayment ratio will increase and it will adversely affect the car loan screening.prize.

Credit information is a history of delays and unpaid payments such as loans, cashing, credit cards and mobile phone charges used from the past to the present, and this information is stored in the credit bureau for a certain period of time.

Credit information is also used for car loan screening, so it will be difficult to pass the examination if accidents such as delinquent payments or bankruptcy are recorded in the past.

You can confirm your credit information by requesting information disclosure to the credit bureau.If you know, check it out, and if you have an unpaid record, pay before applying for the examination.It is said that self -bankruptcy information is generally stored in a credit bureau for about 5 to 10 years.

A guarantor is a person who repaid on behalf of those who borrow money when repayment is delayed.By setting up a guarantor, the loan company will reduce the risk of lending money, which will increase the chances of passing the screening.

However, the guarantor is required to have a stable income.Not everyone is good, so let's talk to those who can meet the conditions properly.Also, in the unlikely event that the guarantor will take the risk of having to return the money instead, this is also necessary.

The history you have applied for the car loan screening will be recorded in the credit bureau.Therefore, be aware that applying for a loan of multiple companies in a short period of time may be in trouble with money, and it may be disadvantageous at the time of screening.

Therefore, what we want to use is the provisional examination.There are two types of car loan screening, a provisional examination and the final examination, and the provisional examination will perform a simple screening based on the applicant's annual income and the number of years of service.In general, it is said that there is no history of applying for a credit bureau as in the final examination, so it can be used to check the estimated borrowing amount.

However, it is important to note that you do not always go to the final screening just because you pass the provisional examination.

In addition to the provisional examination, there is also a “trial screening” where you can first select a model such as the monthly payments of 10,000 yen and the 20,000 yen range to check whether to pass the screening.You can easily check the price range of cars that you can ride, and after confirming that you will pass the screening, you can change the model.Let's try this kind of method.

Precautions when using a car loan with a very sweet screening

There are some points to note about car loans, which are very sweet.Know the precautions in advance, organize which advantages and disadvantages are larger, and consider using them.

Car loans, which are very sweet, tend to set up high interest rates as a risk hedge that repayment will be delayed and the principal cannot be collected on the way.Even with a few percent interest rates, the total repayments will change dramatically, so be careful not only on the sweetness of the screening but also how much interest rates are.

As an example, the monthly repayment, total repayment, and total interest amount for each interest rate when purchasing a car of 1.8 million yen with a 7 -year loan is as follows.

* Uses JA Bank "My Car Loan Repayment Simulation" * Calculated by equal repayment of head payments, no bonus payment

As the interest rate is higher as described above, the interest rate increases, and the total repayment amount increases.Be careful if you choose a car loan without worrying about the high interest rate just because it is easy to pass the screening, as there is a risk that your household will be large later.

Car loans, which are very sweet, may be required to use a "guarantee company" that plays the role of a guarantor in the unlikely event that the contractor can no longer repay.

If you ask your parent, spouse, or relatives for a guarantor, this guarantee fee will not be charged, but if you are required to use a guarantee company, you must pay a separate guarantee fee.The burden will increase.

In addition, in -house loans, which are relatively easy to pass the screening, are generally added fees instead of interest rates, but if you choose your own loan with a more sweet screening, the addition of fees will be even larger.There is a high possibility.

In the case of a company loan with a tendency to judge, there are many cases where the borrowing maximum amount is low or the borrowing period is short.This is because the higher the borrowing amount and the longer the repayment period, the higher the risk that the contractor will not be able to repay.Keep in mind that the screening is sweet and there is a possibility that this will be restricted.

If you can't borrow enough money to buy the desired car, you need to prepare the difference in cash.If you can't immediately prepare it, you'll have to give up your car until you get the money you need.

It is a shortcut to use a car sub -school than to look for a car loan with a very sweet screening.

Car loans, which are very sweet, may have higher interest rates and have a low borrowing amount.Moreover, it does not always pass the examination.Therefore, I would recommend using a car sub -school.Here are some of the characteristics of car sub -schools and reasons for recommended car loans with a very sweet car loan.

A car sub -school is a service that allows you to ride a new car you have chosen just by paying a monthly fixed amount.There is no need to prepare an initial cost as in the case of purchase, and there is no need to make a loan, so you can start a new car at an interest rate of 0 yen.

In addition, the monthly fixed fee includes maintenance costs such as various taxes and liability insurance premiums, so there is no need to prepare a separate expense.Depending on the plan, the vehicle inspection fee and the regular maintenance costs can be made to a fixed amount, so it is possible to unify most maintenance costs on the car.

It is necessary to receive a screening when using a car sub -school, but the sub -school has more advantageous characteristics in riding a car than a car loan with a super sweet screening.Let's look at each.

In the car sub -school, the residual value of the car at the time of the expiration of the contract is set, and the monthly fee is calculated by subtracting it from the vehicle itself.The price of the vehicle body to be paid is reduced and the amount to be judged can be reduced, so it is advantageous for the examination.

The sub -skook of the car is a service provided by various companies, but if you have a long -term contract up to 11 years, such as "Okay, a flat -rate carmo -kun,", monthly payments will be reduced monthly.increase.This reduces the repayment ratio, so it can be judged that the payment burden is low, and the possibility of passing the screening increases.

In a car sub -school, the owner of the car becomes a sub -skop company.Therefore, it is said that even if the payment of the user is delayed, the sub -school company can assume that the repayment will be assigned to the repayment, so it is said that the possibility of passing the screening will be more likely than a very sweet car loan.

If you choose a sub -school that is as low as possible, the amount of screening target will be reduced accordingly.The cheapest in the industry, Calmo -kun, may be able to use various models in the industry's top class, so it may be possible to use it for the models that have given up.

K -san, 40s | Daihatsu "Move" is being used for 11 years and Gold Plan

At first I wanted to buy a car, and when I applied for a loan, I didn't go through the screening.When I checked it, it seemed that I had forgotten to pay for my mobile phone before.

At that time, I knew that there was a method called sub -school besides a loan, and as I looked up various sub -school companies, I said that the flat -rate Carmo would pass the review, so I applied.。

I asked all the questions on the phone and asked them to answer each one properly, so I thought it was okay.I am very satisfied with the new car of the car I wanted, as I safely judge.

In the "Otok and Carmo -kun" used by Mr. K, you can use the "trial screening" that you can try in advance whether you can pass the screening.Even if you go through the screening, you can cancel or change the model, so why not try it casually?

You can get into a car by splitting without using a car loan

Even if you do not use a car loan, you can get in a car by installment.If you are uneasy about car loan screening, consider how to ride a car that is optimal for yourself, considering methods other than car loans.

If it is a car sub -skop, there is no need to prepare initial costs such as down payment.If you are the cheapest in the industry, Calmo -kun, the lowest level of the industry, there are many mechanisms that can ride your favorite car even if you are worried about the screening, so you may be able to get on the model you gave up.

In addition, in the fixed -rate Carmo -kun's "trial screening", it is possible to not only check whether to pass the screening, but also to tell you the price range of cars that you can ride.Even if you have not yet decided on the model you want to ride, check the price range of the car that you can ride first will make it easier to select a car afterwards.

You can apply for 24 hours and 365 days for free and cancel, so why not try it casually?

Frequently Asked Questions

A: The fact that the screening tends to be extremely sweet among the car loans is the "company loan" that is mainly handled by used car dealers.Since it is a unique screening that does not pass through a credit company, there is a possibility that even those who have been refused by other companies can apply.However, there are disadvantages such as high commissions and limited borrowing and borrowing period.

A: A car loan with a very sweet screening does not pass.Car loan screening determines whether it can be repaid properly to the end, based on the applicant's annual income and credit information.Therefore, if the borrowing amount and the annual income are not worth the annual income, or if there is a mobile phone fee in the past, the examination may fall.

A: In order to increase the possibility of passing the car loan screening, it is such as "put down payment and reduce borrowing", "reduce borrowing from other companies", "set a guarantor", and "lower the grade of the car".there is.Take as many measures as possible before applying for the examination.If you still do not go through the screening or if you are worried, we recommend using a sub -skirt of a car that can ride a new car with the same installment payment.

* This article is produced with information as of February 2022.