1, you go to the 4S shop to negotiate the car price. At this time, if you ask for a loan, the car price will generally be discounted by 5,000 yuan, but at the same time, you need to pay a handling fee of about 5,000 yuan (generally 3% of the loan amount, not 3% of the car price). We must pay attention to this.
2. If you are sure you want to take the loan process, then you should indicate on the car booking form that it is a loan to buy a car, and you should also indicate that if the loan application fails, the deposit will be refunded.
3. 4S stores will apply to the loan bank after your order takes effect and deposits are recorded. The loan bank will generally check with you on the second working day and ask you to provide some materials, such as ID card and income certificate. These can be sent to them in the form of pictures.
This application was approved in about 3 working days, that is, the bank agreed to lend money.
5. After receiving the phone call from the bank agreeing to lend money, you take the materials (those you sent pictures to the bank) to the lending bank to apply for a savings card. This card has two functions. First, you have to put money into it to repay the loan; Second, after the bank lends money, it will first transfer the money to your account and then transfer it to the 4S store immediately.
The process of buying a car with a loan:
1, and conduct a preliminary examination of the application materials submitted by the borrower;
2. The bank conducts credit investigation and customer evaluation on the borrower;
3. The bank passed the preliminary examination and credit investigation. To examine and approve loan applications that meet the loan conditions;
4. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If the examination and approval fails, it shall explain the situation to the borrower;
5. After the loan contract comes into effect, the handling bank will issue loans. Using special loans, the handling bank will directly transfer the loans to the dealer account of the borrower's car purchase according to the loan contract.
Information to be prepared when applying for a loan to buy a car:
1, personal loan application;
2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;
3. Household registration certificate or long-term residence certificate;
4, personal income certificate, provide proof of family income or property when necessary;
5. Certificate of intention to buy a car issued by the car dealer;
6. Loan to buy a car down payment certificate;
7. If the purchased vehicle is secured by other means other than mortgage, the relevant materials of the guarantee shall be provided, including the pledge certificate, the ownership certificate and evaluation certificate of the mortgaged real estate, and the letter of intent for third-party guarantee, etc.
8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the vehicle's affiliation agreement and lease agreement with the transport fleet;
9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by the Construction Bank; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.
What is the process of buying a car with a mortgage loan in a 4s shop?
1. Choose a car in a 4S shop, sign a car purchase contract and pay a deposit.
2, fill in the loan application form, submit the ID card and a copy of the household registration book, bank flow and other information.
3. The auto consumption finance company accepts the application and reviews the submitted materials.
4. The approved lender shall sign the loan contract at the outlet.
5. Bring the loan agreement and other materials to the 4S shop to pay the down payment and car inspection, and pay the car purchase tax, insurance premium, car inspection and other related expenses.
6. Go to the vehicle management office to apply for a license, get a green copy, go through the formalities of vehicle mortgage, and mortgage at the auto consumption finance company.
7. Auto consumer finance companies can pick up the car after lending money.
4S shop loan car purchase detailed process: teach you to pick up the car by hand
In order to facilitate travel, everyone wants to own a private car, but there is great pressure to buy a car in full, so many young people will choose to borrow money to buy a car, usually by means of 4S shops to apply for loans from banks or auto financing companies. Many people don't know how to borrow money from 4S stores. Here I will talk about the detailed process and some precautions of 4S shop loan to buy a car.
Detailed process of 4S shop loan and car purchase:
1, car booking: after selecting a good car and determining the price with the 4S shop, you need to sign a car booking contract with the 4S shop, and then give a loan. Generally speaking, you have to pay a part of the deposit.
2. Apply for a loan: the lender provides relevant information, such as ID card, driver's license, income certificate, bank account, etc. Married people may even ask for their spouse's ID card.
3. Loan approval: The bank will approve the loan after receiving the loan application and submitted materials. During the preliminary examination, you may call to ask about some matters such as car purchase and personal work. Generally, it needs to be answered according to the application form filled out at the time of loan.
4. Sign the contract: After the loan is approved, the 4S shop will inform you to sign the formal loan contract at the bank outlet, and the bank will give you the bank information such as the loan agreement, and take these materials to the 4S shop to pay the fee.
5. Pay: Bring your identification and the materials given by the bank. When you go to a 4S shop to pay the fee and inspect the car, you must first pay a down payment, which is generally more than 20% of the car price, and then pay the car purchase tax, insurance premium, loan fee and car inspection fee, and then inspect the car.
6. Mortgage: After passing the car inspection, you have to go to the vehicle management office to get the certificate. After getting the green copy, you have to go through the formalities of vehicle mortgage, and the green card will be mortgaged to the bank.
7. Lending: 4S shop gives the car information, down payment receipt, purchase tax receipt and green copy to the bank, and the bank transfers the money to the bank card provided by the lender in about 3 days, and then to the account of the 4S shop dealer.
8. Pick up the car: After the dealer confirms that the loan has arrived, he will inform the lender to pick up the car, so that the whole car loan process is completed and the lender can like to pick up the car.
This is the end of the introduction on how to handle the 4s shop car purchase loan and the 4s shop car purchase process. I wonder if you have found the information you need?