In fact, the most important thing is to confirm your vehicle before paying the down payment for the vehicle. After the average consumer signs a car purchase contract, the sales consultant will hand over the order to the sales manager, and the sales manager will confirm whether to match the car according to the inventory of the 4s shop. If there is no car in the warehouse, the manufacturer will arrange the production order in time. After all this is done, a car will eventually be assigned to this order. Then before the consumer goes to the 4s shop to pay the down payment, the sales consultant will take the customer to confirm the vehicle first. Can you check whether the new car is in normal condition? Whether there are scratches on the paint surface, confirm the frame number, engine number and factory date. Remember that if the production date exceeds one month, you can ask the sales consultant to coordinate the replacement of the vehicle.
After confirming the vehicle, the sales consultant will take the customer to the finance department to pay the down payment for the vehicle. After paying the car, the next step is to handle the loan process for the car. Normal mortgage methods are divided into factory financing and bank loans. If it is factory finance, it will generally lead customers to the financial loan office of 4s stores to sign relevant loan agreements. If it is a bank loan, there will be special bankers signing contracts with customers in 4S stores. At the same time, you should also know whether your down payment amount is correct and whether the amount you need to pay back every month is correct.
After signing the contract, you just need to wait for the lender's loan time. General manufacturers can lend money on the same day, and the bank lending time is not fixed. The lending time of different banks is long or short, and most of them can basically be reviewed and completed within 3~5 working days, and the loans are made to 4s stores.
Once the lender's loan is completed, it means that the car money has basically been paid. At this time, there are insurance and other matters on the vehicle. Tell the sales consultant which insurance to buy. How to choose a card? Do you choose your own number or go to the dmv? When can I complete the permit? Can the decoration of the vehicle be completed on the day of picking up the car? These situations must be clearly communicated in advance, otherwise there will be unexpected situations when picking up the car, which will be very troublesome.
The next step is to make sure that everything in the house decoration is in place, and that the car is the same as when you didn't pay the money, without any damage. In addition, check whether all the procedures of the vehicle are complete, including body invoice, insurance policy, purchase tax certificate, driving license, copy of motor vehicle registration certificate, and relevant procedures of the vehicle itself, including instructions, cigarette lighter, ashtray warranty maintenance manual, etc. If these things are confirmed, you can pick up the car and leave.
The above is the whole process of buying a car by mortgage, and I hope it can help and refer to you in the process of buying a car.
You have already paid the down payment for the car, so you are taking out a loan to buy a car. Then, before you swipe your card to buy a car, you must have talked about everything, and the car purchase contract and loan contract have been signed. The things you talked about before buying a car and the gifts you gave are all written into the contract, so it is almost impossible for you to ask the seller for something now. Then you can go to the parking lot with the salesman to choose a car. After selecting the car, please ask the master of the maintenance workshop to drive to the workshop to conduct a comprehensive inspection of the whole car. You'd better watch them check on the spot, and the master will be more serious. After the inspection, you can take a photo of the nameplate of the cab position with your mobile phone and save it to prevent them from changing your bag.
After the vehicle is ready, you have to wait patiently for the loan contract bank to apply for approval, and then you can drive the new car away. There are only a few things you want from the seller now: first, the temporary vehicle license plate, which is very important; Then, the car manual and the owner's maintenance record manual. Generally, experienced sellers will get the motor vehicle registration certificate from the warehouse in advance, but you can't get it. You need to put pressure on the bank until the loan is paid off. Without this book, your car can't be sold, including auto insurance policy, car purchase invoice and three-guarantee voucher card.
In addition to the above things, it is better to talk to the salesperson and ask him to add some oil to the fuel tank in your car. Generally, when the car is handed over to you, the fuel tank is basically empty. At that time, I asked the sales staff to add 100 yuan of gasoline, and they could let the manager use the fuel card.
What are the requirements for the sales staff after paying the down payment for buying a car? Explain that you want to handle the loan car purchase business. Generally speaking, 4S auto shops cooperate financially with banks or their manufacturers. You paid the down payment, which means that your car loan credit information should be approved, because before you pay the down payment, the general 4S stores will check the basic information such as personal credit information and personal income certificate with the bank. If there is no problem, you can pay a down payment and sign a car purchase contract and a car loan contract. The down payment has been paid. What do we need the sales staff to do? Let's list them below.
First of all, you only paid the down payment, and the rest of the car money was directly lent to the 4S shop by the loan bank. If you pay the down payment, you need to sign a car purchase contract, usually in triplicate. I want the salesman to get a point back, and I also have a receipt for the down payment. These two things, whether it's full payment or loan to buy a car, are generally necessary. Of course, the conditions you negotiated with the salesman have been written down in the sales contract, such as the model, price, color, number of frames, delivery date, gifts, etc. of the decorative products, which you don't need to worry about. After all, you have got the contract receipt. Just check it when you pick up the car later.
After you pay the down payment, all you need to do is go through the formalities of car loan. Under normal circumstances, the 4S shop will cooperate with you to go through the banking formalities. You will generally be asked to provide relevant loan materials. You must have ID card, income certificate, bank account, property certificate and other information, and you must personally provide and sign the relevant car loan contract. It should be noted here that general car loans can be divided into credit loans and mortgage loans.
Credit loan is a personal credit loan. You don't need to apply for a vehicle mortgage loan. You only need to provide ID card, income certificate, provident fund and other materials. Generally applicable to civil servants, employees of enterprises and institutions, school teachers and other high-quality enterprises and institutions. Mortgage loan is more complicated. Suitable for ordinary company employees, self-employed individuals, private owners and other personnel. You need to apply for vehicle mortgage, that is, mortgage all the vehicles you bought. The vehicle cannot be transferred or transferred until you pay off the car. Applying for a car loan generally requires a waiting period. If it is fast, it usually takes three to five days, and the bank will inform you.
The bank informs the loan to be put down, and you can go to the 4S shop to confirm the car. You can check item by item according to the terms signed in the contract. After there is no problem, you can issue a vehicle invoice, insurance and go through the formalities of entering the house. Generally, the agency service will be provided at 45. After going through the door-to-door formalities, you can hand over the car. At this time, the salesman will give you some information about the relevant vehicles, and you have to confirm them one by one, so that you can ask the salesman for it. Among them, there are vehicle invoices, insurance policies, vehicle registration books, original and duplicate driving licenses, and temporary license plates. In addition, it is the relevant instruction manual, warranty manual, automobile three-guarantee certificate and other materials. These are very important materials. You can sign for it after you confirm it. You'd better drive home with a new car!
To sum up, the procedures listed above, such as paying the down payment, handling the loan procedures, inspecting the car and picking it up, all need to be handled and signed by yourself after you pay the down payment. You need to ask the salesman for the above information. Of course, there are many other materials, but they are all necessary. I hope my answer can give you a reference and suggestion. Thank you.
I am a Chevrolet dealer. At present, the proportion of people buying cars by stages is increasing. Here, I will briefly tell you about the process and precautions of buying a car by stages.
According to different brands, different models and different market positioning, the main engine factory (manufacturer) will make corresponding loan policy support for this model. Some OEMs have no financial support, and dealers can only borrow from commercial banks, such as ICBC, CCB and BOC.
Let's talk about the general process of factory finance first, simply skip looking at cars, talking about prices and decoration, and start with the phased plan. Before selling a car, you must know your savings and annual income and make a loan plan that suits you according to your actual situation. It depends on the ability of the sales consultant and your communication with the sales consultant. The general loan scheme is: 12,18,24,36 interest-free, and the loan amount will change according to your loan time. For example, 12, you can borrow 60,000 yuan at 0 interest, then you can only borrow 35,000 yuan in 24 installments. There are also plans to pay 50% down payment when picking up the car, 50% after one year, and 60% loan or ultra-low down payment once every six months. It depends on what the model has.
The loan fee must be agreed, the fare of the vehicle, the license plate, or whether to install GPS (generally not installed, installed without stealing). After agreeing, sign a car purchase contract or hand in a car bill.
Be sure to check the car before signing the loan or paying the down payment, mainly because there are no scratches on the car body. At present, most dealers operate in good faith, and there is no deception to conceal the sales of problematic vehicles. Generally speaking, this kind of situation happens less in group stores. Of course, there are also some cases. Every industry will have a rotten meat pot full of fishy smell.
If you pick up the car on the same day, the store will submit the preliminary examination first, that is, check the credit information, and then pay the down payment to sign the loan contract after passing. The installment contractor in the store will ask you to check your ID card information, telephone number, loan amount, loan plan and normal exemption clauses (be sure to check them carefully). After the inspection, sign a contract and other loans, and the store can issue a motor vehicle invoice for you. The rest is to pay taxes, get insurance and get a license.
Generally, it takes 1 day to pick up the car. I won't let you take the car away if it's unclear that day, because after you get the license, you will find someone to handle the mortgage and mortgage it to the financial companies you are staging, such as General Finance, SAIC Finance and Changan Finance.
If you don't finish the formalities that day, the store will give you a receipt. If you get a loan, you can take the formalities away, but you won't get the key.
This is the general process. Professional sales will explain it to you, and you don't know the unprofessional ones.
Too many words are a little tired, so I have time to continue updating.