Car loans are handled as follows:

1. The applicant chooses a car in the 4S shop, negotiates the price with the dealer, pays the down payment, and then signs a car purchase contract;

2. Go to the loan bank with the car purchase contract, ID card and real estate license, fill in the loan application form and submit the materials;

3. The bank accepts the loan application and reviews and evaluates the application;

4. Sign a loan contract with the applicant after examination and approval;

5. The applicant shall cooperate with the loan bank to complete the follow-up procedures, including mortgage registration and notarization;

6. The loan bank transfers the money to the account of the car dealer, and the applicant picks up the car in the 4S store.

Extended reading

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks provide RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal of a self-use car (non-profit family car or commercial car with 7 seats or less) purchased by the bank to the consumer, that is, the borrower. The higher the interest rate, the greater the repayment amount of consumers.

The conditions required for a car loan are:

1. Have valid identity documents and full capacity for civil conduct;

2. Can provide proof of fixed and detailed address;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

Automobile loan process:

1. Lead the customer to the bank's special dealer to choose a car and sign a car purchase agreement or contract;

2. The borrower applies to the loan bank for personal automobile mortgage;

3. Sign the contract with the consent of the investigation;

4. Go through the formalities of notarization and mortgage of automobiles.

5. The lender handles the loan;

6. After the loan is paid off, the lender cancels the pledge certificate and returns it to the customer.

Potential borrower

The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.

deadline

The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.

Second, how to cancel the mortgage of the loan car?

After the second-hand car loan expires, you have to go to the bank to open a settlement certificate, and then you can go through the mortgage cancellation procedures. Pay off the car loan. Car loan doesn't belong to you yet! And 1. Contact the loan bank or financial institution and get the return certificate (vehicle registration certificate) and loan settlement certificate; 2. Go to the vehicle management office to cancel the loan mortgage (it must be cancelled at the vehicle registration place, not in another place); What do I need to bring to release the mortgage? 1. Owner's ID card; 2. Motor vehicle registration certificate; 3. Issued by the loan company (or bank); 4. Original business license of the loan company (or bank); 5. If the loan company (or bank) does not send staff to help release the mortgage, it needs a power of attorney. After paying off the loan, you must buy the car, but it doesn't belong to you to avoid future trouble. It is relatively simple for everyone to pay off the car loan, mainly by going through the mortgage cancellation procedures 1, obtaining the organization code certificate (official seal) provided by the loan bank from the loan bank, and entrusting the owner himself to handle the mortgage cancellation business. 2. Bring the above materials, as well as my ID card, loan settlement instructions, driver's license, driving license and car purchase invoice. Precautions 1. If your car insurance beneficiary is a bank or car loan company, remember to remove the GPS after completing the mortgage cancellation procedure. 2. If the car you bought was settled by a lending institution before. 3. At present, the mortgage cancellation procedures need to be understood by the owners themselves. Everyone must prepare the information in advance before going through the formalities. Third, how to handle the car loan?

You can make a car bank mortgage loan. Pay the down payment and pay the rest every month! Car dealers should be able to handle mortgage business. You can consult with local car dealers.

Fourth, how to sell the loan car?

There is nothing wrong with selling the loan car, but you must pay off the loan first and lift the mortgage, otherwise others will not buy it if they can't get the certificate. It should be a good solution to such a problem. Pay off the loan with some funds in advance, and then you can buy and sell it yourself. If you don't have much money on hand, you can sell the car enough to repay the loan.

Tools/raw materials

pay back

draft

Methods/steps

1, repay the car loan arrears. If you want to sell the car you borrowed, you must pay off the loan first, so that you have the right to dispose of the car. Find the original car loan company and explain to them the willingness to repay in advance. General car loan companies will actively handle it, and then go through the repayment procedures before leaving. It is worth noting that some car loans have to pay liquidated damages in advance, mainly depending on how the contract is determined.

2. Go through the mortgage cancellation procedures. After the car loan is paid off, things are not over yet. Only by removing the mortgage formalities can we prove that the car is our own and dispose of it by ourselves, including selling it. Therefore, after the loan is repaid, the mortgage cancellation procedure is also required, and the process is also very convenient. I wonder if the staff will take you to do it.

3. Deal with vehicle violations. The thing to deal with before selling is that the vehicle is illegal. Check whether your hands are illegal online or go to the vehicle management office. If so, deal with the violation. The person who bought the car won't bear your previous mistakes.

4. Sign a sales contract. Nowadays, people's consciousness is very strong, and there must be a contract to buy a car, which stipulates the rights and obligations of both parties. Of course, the price of the vehicle is also included. After signing the contract, the other party needs to pay, which I believe no one will forget.

5. Go through the vehicle transfer formalities at the vehicle management office. After receiving the deposit or full payment, the buyer must take the car to the vehicle management office for vehicle transfer procedures. The registration system implemented by the state for motor vehicles has no property right until it is registered with the vehicle management office, so even if you don't propose it, others will let you do it. Take both ID cards and vehicle driving licenses, and now go through the transfer formalities.

6. There is no money to repay the loan. For people who have no money to repay their loans and want to sell their cars, the method is also very simple. You can borrow your own credit card or something, even if you can't swipe your relatives and friends, that is, a few days' turnover time, and people have no reason to refuse. If it doesn't work, you can contact the seller and ask him to repay the loan as a deposit first.