What is a car loan's provisional screening?Thorough explanation of the differences from the final examination and the points of passing the examination
I guess there are many people who want to take a preliminary examination before forming a car loan.If you are worried about the loan screening, there are many cases where you feel hesitant in applying for your debt history and repayment ability.In such a case, it is safe to get a rough guide after the provisional examination that can be received before the final examination.Therefore, let's check the usefulness of the provisional examination along with the points of the screening standard.
[Points of this article] ✔ ✔ わ】】】 かる】】 かるThere is also a way to get a trial screening
What is the difference between the provisional examination and the actual examination?
Car loans have two types of loan screening: a provisional examination and a final examination.The provisional screening is not required, but it is a convenient way to find out whether it will pass the loan screening.Let's take a closer look at the provisional examination and the actual examination content and differences.
The provisional examination, also called a "preliminary examination," is a simple screening conducted before the final examination.Based on information such as the annual income, attributes, and the number of years of service, etc. of the loan application, it is checked whether the application amount is worth the content.The screening time is relatively short, and the results may be understood on the day by email notification.In the provisional examination, the following matters are filed, but the content required differs depending on the loan company.
The final examination is a screening to confirm whether you can actually make a loan.The borrowing amount and the applicable interest rate are also determined by the actual examination.In the final examination, in addition to the contents of the provisional examination, personal information registered with credit information agencies such as CIC (designated credit information agency), JICC (Japan Credit Information Organization), and KSC (National Bank Personal Credit Information Center).Based on, check your debt history and repayment ability.
If the credit information agency has self -information such as delays, delinquencies, and self -bankruptcy, such as payment by credit card, transfer of mobile phone charges, or self -bankruptcy, its history is recorded for 5 to 10 years.If the accident information is recorded, it will be difficult to pass the loan screening.If you are worried, it is recommended that you request information disclosure to the credit bureau to check if your accident information remains.
The provisional examination is recommended for such people
Unlike the final examination, the provisional examination is not required.However, it is easy to find out if you can borrow, so you can use it as a guide when choosing a model or loan company.In addition, we will introduce the benefits of performing a preliminary examination.
The history of the final examination is recorded in the credit bureau.Therefore, applying for multiple loans in a short period of time may be determined to be in trouble with money, which may affect the loan screening.On the other hand, the provisional examination is a loan screening within a loan company, and there is no history of credit information agencies.There is no worry about affecting other loans even if you apply more than one, so you can easily check if your car loan can be used.
In the provisional examination, you can see the approximate borrowing amount.Therefore, if you want to borrow the amount you want to borrow, but you want to know if you can actually borrow the desired amount with your annual income and attributes, it is convenient.You can also determine the down payment amount based on the results of the provisional examination or review the loan amount.
The examination period takes a long time and takes 1 to 2 weeks, but the provisional examination is about 3 to 7 business days, so it is also recommended for those who want to know the results as soon as possible.It is also useful if you have already decided to buy a car and want to choose a loan in a hurry.
What kind of car loans are there?
There are several types of car loans depending on the loan company that provides services.Each has different screening criteria and interest rates, so choosing a loan that suits you increases the possibility of passing the screening.Here, we will introduce the types and characteristics of the three loans that can be used for purchasing a car.
Financial institutions, such as banks and shinkin banks, can be used at low interest rates, but the screening period tends to be long and the screening criteria tend to be severe.However, banks such as banks are not eligible for "total volume regulation" that limit borrowing amounts at annual repayments for annual income, so there is an advantage that it does not affect other borrowings.
Dealer car loans are loans provided by dealers, which are major manufacturers and specialty stores.The procedure is easy because you can apply for a car loan when purchasing a car.It also has the advantage that it is easier to pass the screening than a bank loan.In addition, dealer car loans are not eligible for the total amount regulation, so it is an advantage that it does not affect other borrowing amount.On the other hand, interest rates are set higher than bank -based private car loans.
The company's loan is a format in which automotive dealers are lender and directly form a loan without going through financial institutions such as credit companies and banks.The screening is quick and easy to complete, and there is a high possibility that it can be used by those who do not pass the screening with bank car loans and dealer car loans.However, care must be taken because the interest rate is low, so the vehicle itself tends to increase.
How to pass the loan screening?
Even if you choose a car loan that suits you, you will not know if you will pass the loan screening unless you actually take it.However, you can take measures to make it easier to pass the loan screening.Specifically, you should be careful about the following:
In the loan screening, it is an important checkpoint to be able to repay the loan without difficulty in annual income.Therefore, it is safer to receive the screening with a margin amount than to apply at the last minute, which may pass the loan screening.It is also a loan screening to prepare a lot of down payment or lower the grade of the vehicle by one rank and re -select it.
If you borrow from multiple loan companies and exceed the repayment burden rate, you may not be able to form a car loan.Therefore, it is recommended that you pay off your current borrowing.Also, since the cashing frame of credit cards, etc., it affects the loan screening, so if there is a service that is not used, it is a good idea to reduce the usage limit or cancel.In addition, it may take some time for the change information to be reflected, so be sure to receive a car loan screening after about a month after the change.
What is a new way of riding a car that doesn't stick to a loan
The loan screening is a strong one for those who are uneasy.It is also effective to take the approximate guideline for passing the screening after receiving the provisional examination, but it is one way to consider car leasing as a way to get in a car other than a loan.。Car leasing is a subscription service that uses the desired car from a lease company for a long time.For calculation of usage fees, the mechanism of deducting the so -called trade -in price of residual value from the vehicle price first is used.Therefore, there is a merit that the amount to be screened is reduced rather than the loan.
Car leasing is more likely to pass the screening, and above all, there is no large initial cost, like a loan.Car leasing, which can freely ride a new car like a private car, is now attracting attention as a new way of riding a car.
Car lease that is more advantageous than car loans
Among the car leasing, the topic, "Otok, a flat -rate Carmo -kun" is the cheapest in Japan that does not require a down payment, no bonus payment, and does not require a residual settlement at the end of the contract.It is also recommended for those who are worried about the screening because the amount to be judged can be reduced.
* Among the Japan Automotive Lease Association Allied Federation, the monthly fee is the best in Japan in the service that leases new cars to individuals with completely fixed amount (no down payment, no bonus payment, closed end contract).Low price (July 13, 2021, survey of Stellaasocier Co., Ltd.)
As with car loans, car leasing is also screened.In the car loan screening, you need to go to dealers and automobile retailers, but if you are a flat -rate car lease, you can select a car on the net and quote it, and you can complete the screening online online.The contract will be filled in, sealed and returned to the documents received by mail, and the delivery will be delivered to your home, so it is perfect for those who are easy to complete.
In addition, the fixed -rate Carmo -kun has a “trial examination” for those who are worried about the screening."Trial examination" is a service that allows you to select a model that is close to the desired monthly fee and easily check whether to pass the screening.In addition, you can also introduce cars and plans that can be applied for in the screening contents, so it will be smooth to select a car after that.
The application is completed online for about 5 minutes.Even if you go to the examination, it does not mean that you have to sign a contract, so it is a popular service that allows you to try the screening easily.
Let's look at the future car life in the fixed -rate Calmo -kun's "trial screening"!
If you need a car, you'll have to make a plan to use it in your lifestyle.The contract period set by the flat -rate Calmo -kun is characterized by a wide range of one to 11 years.In addition, since contracts are possible on a one -year basis, it is easy to match with a life plan.If you select the longest 11 -year contract, you can ride a new car from the 10,000 yen per month.The reason why the flat -rate Calmo -kun is chosen is that you can make a high degree of freedom with a view to changes in your life and monthly expenditures.
A flat -rate Calmo -kun can ride a new car from the 10,000 yen per month with a maximum 11 -year contract!
Most car leases have a mileage limit to keep the car's value at the time of return.However, with a flat -rate Calmo -kun, there is no mileage limit due to a contract for more than seven years.You can ride on a traveling drive without worrying about the mileage, so the range of ways to associate with a car will be expanded.Also, if you add 500 yen per month with a contract of 7 years or more, you can also get an "option" that you can get the car you have ridered at the end of the contract.
Click here for more information about the flat -rate Calmo -kun's "Options you can get"!
Let's clear the loan screening by using the provisional examination well
To use a car loan to buy a car, you need a variety of knowledge, such as the content of the loan screening and how to choose.However, by using the provisional examination well, you can clear the final examination.By understanding in advance, you will be able to choose a car loan that suits you without waste.
Frequently Asked Questions
A: The tentative examination of the car loan is also called a "preliminary examination" and is a simple screening within a loan company before the final examination.You will be able to verify the identity of the person who applies to the loan and whether the application amount and content are worth the annual income.The screening time is relatively short, and the results may be understood on the day.
A: The provisional examination is not required.However, you can easily find the possibility of borrowing.There is also the advantage of not having a loan screening history in the credit bureau, knowing the borrowing amount, and knowing the results of the loan screening in a short period of time.Therefore, it is recommended when you are worried but you are worried, or when you want to choose a borrower from multiple candidates.
A: As a measure to make it easier to pass the loan screening, it is possible to reduce the application amount so that the loan can be repaid without difficulty in the annual income.Specifically, you need to prepare a lot of down payment or change to a one -ranked model or grade.Also, if you borrow from multiple loan companies and exceed the repayment burden rate by buying a new car loan, it is recommended that you pay off the borrowing above.
* The content of the article is produced with information as of June 2021.