1. Car buyers go to the bank's business outlets for consultation, and the outlets recommend special dealers who have signed the Cooperation Agreement on Used Car Consumption Loan with the bank.

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2. Go to the dealer to select the second-hand car to be purchased, and sign a car purchase agreement with the dealer to clarify the model, quantity and color.

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3. Apply for a loan at a bank outlet. The necessary materials for applying for a loan at a bank outlet include: personal loan application, valid identity documents, proof of occupation and income, basic family information, car purchase agreement, supporting documents required for guarantee, and other conditions stipulated by the lender.

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4. The bank shall review the user's credit, notify the car buyer within fifteen working days after accepting the loan application, and sign a loan contract for second-hand car consumption with the borrower who meets the loan conditions. The maximum loan amount for second-hand car consumption does not exceed 60%~80% of the car purchase price (different banks), and the longest loan period does not exceed three to five years (different banks, taking Beijing as an example, must make a down payment of 50% for second-hand car loans, and the longest loan period is three years).

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5. Sign loan and guarantee contracts. If the applicant meets the loan conditions, the bank will sign a loan contract and related guarantee contract with him. Guarantee methods and corresponding procedures:

(1) If the user provides a third party joint and several liability guarantee (except banks and insurance companies), the guarantor signs a guarantee contract with the bank, and the insurance company can also provide a joint and several liability performance guarantee or the bank can provide a letter of guarantee.

(2) The user should sign a mortgage or pledge contract with the bank to guarantee by mortgage or pledge. If the house is mortgaged, it must be appraised and confirmed by the designated appraisal agency, and the bank and mortgagor shall go through the mortgage registration at the county real estate registration office where the house is located, and the contract will take effect after obtaining the property right certificate. If it is a pledge guarantee, the pledge contract will take effect after the title certificate is handed over to the bank.

(3) After the above procedures are completed, the bank shall issue a loan notice to the special dealer in time.

(4) If the purchased second-hand car is used as collateral, the bank shall issue a loan notice to the special dealer in time. After the purchased second-hand car is licensed, the bank shall go to the vehicle management office for mortgage registration.

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6. The bank issues loans, and the user handles vehicle insurance and picks up the car. After receiving the loan notice 15 days, the special dealer will hand over the customer's car purchase invoice, payment document and driving license (copy) to the bank. After the customer goes through the formalities of property insurance, the bank issues loans. The types of insurance include: vehicle loss insurance, third party liability insurance, burglary insurance and spontaneous combustion insurance. All kinds of insurance period shall not be shorter than the loan period.

2. What are the procedures for buying a car with a loan?

1. Object of personal car loan:/kloc-citizens with full civil capacity over 0/8 years old; Have legal identity documents, local permanent residence or valid residence certificates. Second, the necessary conditions for personal car loans. The borrower must have a stable professional income or assets that are easy to realize, enough to repay the loan principal and interest on schedule; The lender's own funds are sufficient to pay the down payment for car purchase stipulated by the Construction Bank; The lender must provide a guarantee recognized by the bank; The lender is willing to accept other conditions deemed necessary by the bank. Three. The term and interest rate of personal car loan can be different according to the credit status of customers and the purpose of the purchased vehicles. Among them, if the purchased vehicles are used for business purposes such as rental, car rental and transportation, the longest period is five years, and the longest period of freight transportation is three years. The loan interest rate shall be subject to the loan interest rate stipulated by the People's Bank of China for the same period, and shall be allowed to fluctuate according to the regulations of the People's Bank of China. Iv. Personal auto loan amount Customers who have reached Grade A or above according to the personal credit evaluation method of the bank can apply for auto loans with the purchased vehicles as collateral, and the maximum loan amount is 80% of the sales of the purchased vehicles. If the borrower pledges with government bonds, financial bonds, national key construction bonds and personal certificates of deposit issued by banks, the maximum loan amount shall be 90% of the value of the pledge certificate. If the borrower takes the house, other things fixed on the ground or the legally obtained state-owned land use right as collateral, the maximum loan amount is 70% of the assessed value of the collateral. If the insurance company provides installment repayment guarantee insurance, the maximum loan amount is 80% of the car sales amount; The maximum loan amount for purchasing a re-traded vehicle is 70% of its appraised value. Where a third party joint liability guarantee is provided (except banks and insurance companies), a loan amount is set for the borrower (or guarantor) according to the personal credit evaluation method of the bank, and the maximum loan amount is 80% of the automobile sales amount; If you buy a re-traded vehicle, the maximum loan amount is 70% of its appraised value. V. Procedures for handling automobile consumption loans. Customers can choose two modes: mode 1: select the car to be purchased at the bank's special dealer, sign a car purchase contract or agreement with the dealer, and then apply for a loan through the dealer. Mode 2: Customers apply for loans directly from bank outlets. After the guarantee procedures are implemented, customers can choose dealers to buy their own satisfactory cars. Six, the necessary information to apply for a loan are: loan application; Valid identity documents; Proof of occupation and income and basic information of family; Certificates or documents required for the guarantee; When applying for a loan through a dealer, you must also provide a car purchase contract or agreement; Other conditions required by the lender. If the borrower takes the purchased vehicle as collateral, its insurance policy, car purchase invoice and other documents shall be kept by the bank during the loan period. During the contract period, the bank has the right to supervise the borrower's income and collateral, and supervise the guarantor's reputation and compensatory ability, and the borrower and guarantor should provide assistance.

Three. Matters needing attention in purchasing mortgaged used cars

1. Find out whether the mortgaged vehicle is a mortgaged used car.

Used cars used for mortgage must be paid in full, and there is no loan at present. The buyer shall negotiate with the dealer about the repayment content of the outstanding mortgage loan of the vehicle that the buyer has not paid for the time being, and explain it separately in the signed contract. In addition, it is also necessary to pay attention to whether the vehicle has a violation record and whether it is in the state of mortgage custody. After confirmation, the vehicle will be transferred and filed.

2. Unsecured loans for used cars.

The age and mileage of a used car will determine whether it can be used as a mortgage. If the used car is too old, it is difficult to apply for a loan. Therefore, the age of the mortgaged second-hand car applying for a loan can not exceed 3 years, and the longest one can not exceed 6 years.

3, the car price is too high or too low for second-hand car loans.

Usually, used cars with high prices and new colors are easy to apply for loans. If the car price is too high, the lending institution will bear great risks; The car price is too low, and it is generally difficult to handle it, because lending institutions often do not accept car loan business below 60,000 yuan. Therefore, it is easier to apply for a second-hand car loan only if the evaluation price is between 800,000 and 800,000.

Extended data:

Used car loan process:

1. The consumer chooses a second-hand car, signs a car purchase agreement, and then applies for a loan at a bank outlet with necessary information (personal loan application, valid identity documents, proof of occupation and income, basic family information, car purchase agreement, documents required for guarantee, and other conditions stipulated by the lender).

2. Wait for the bank to review the user's credit. General banks will notify car buyers within 15 working days after accepting the loan application, and sign a loan contract for second-hand car consumption with borrowers who meet the loan conditions.

3. If the applicant meets the loan conditions, the bank will sign a loan contract and related guarantee contract with him.

4. When the bank issues loans, users can apply for vehicle insurance and pick up the car, and then repay the principal and interest on a monthly or quarterly basis.