What are the credit investigation requirements for new energy vehicles?

[DelAlexa]

Mainly checks personal basic information, credit information, and non-bank information. Inquiry instructions: Personal basic information includes personal identity, spouse's identity, residence information, occupational information, etc.; Credit information includes summary of bank credit information, summary of credit card and quasi-credit card information, summary of loan information, summary of loan guarantees for others, etc.; Non-bank information refers to personal insurance and payment information, housing provident fund information, road maintenance fees, telecommunication user payments, etc. Credit investigation passing standards: Generally, bank loan requirements for credit investigation—currently no overdue payment, no more than 2 overdue payments in half a year, no consecutive 2 overdue payments in one year, no consecutive 3 overdue payments or a total of 6 overdue payments in two years.

[Liam]

When I was planning to buy a new energy vehicle last year, I inquired about the credit requirements at the 4S dealership. They mainly check personal credit records, such as whether there are any overdue credit card payments or if the mortgage has been fully repaid. The salesperson emphasized that proof of income is crucial—bank statements and pay slips must be provided, and the monthly income should be sufficient to cover the monthly payments. Social security and housing provident fund records also help a lot in proving stable employment. Additionally, the new energy vehicle subsidy requires a clean credit record for application; otherwise, the benefits cannot be enjoyed. My friend was denied a loan due to a small overdue loan payment—what a hassle. It’s advisable to check your credit report six months in advance, fix any issues, and avoid last-minute panic. Good credit can secure lower loan interest rates, saving a lot of money and making the car purchase process smoother.

[DiLeah]

As an experienced buyer, I found that the credit requirements for new energy vehicles are similar to those for traditional cars. Banks will check credit reports and require no major default records. Repayment ability is the most critical factor, with monthly payments not exceeding 50% of income. I provided tax returns and housing fund certificates, easily passing the review. A unique aspect of new energy vehicles is that government subsidies are tied to credit scores—only with a high enough score can you apply for them. Remember not to default on bills easily, as poor credit can even make car insurance more expensive. It's advisable to choose formal financial institutions for applications and not be tempted by high-interest traps. Regularly repaying loans to build up credit scores makes it easier to change cars or upgrade in the future—this trick works quite well.

[SebastianLynn]

Simply put, the credit requirements mainly consist of two parts. The personal credit report must be clean, with no black marks. Income must be stable to convince the bank of your repayment ability. The advantage of new energy vehicles is the abundance of subsidies, but poor credit will ruin the deal. Having handled similar cases before, I recommend checking your credit score online first, addressing any flaws before applying to avoid wasting time.

[LorenzoMarie]

When buying a new energy vehicle for environmental protection, credit history cannot be ignored. Credit institutions evaluate credit history, such as good repayment habits. A higher income is required to prove affordability of monthly payments. New energy subsidies offer special benefits, but only those with excellent credit qualify. I focus on sustainable living, where good credit can speed up approval and provide access to low-interest benefits, making green travel more worry-free. Remember to maintain your credit record by minimizing daily debts.