Precautions:
1. First of all, be sure to buy from regular channels. Second-hand cars have some specialities, and the car condition and procedures should be complete.
2. When buying used cars, try to choose models with a large number of vehicles. Because of the low market share, the follow-up maintenance and use costs of niche models are high, and the use costs are high.
The second-hand car loan process is as follows:
First, the dealer consults about the loan.
When choosing your favorite car, you need to consult the car dealer first to determine the model and the total amount of car purchase. In this way, whether from the price, performance or after-sales service after buying a car, we will have a detailed understanding of the selected models, and let us have a bottom through communication with car sales personnel.
Second, review the loan to buy a car information
Then, it is necessary to hand over the information of applying for a loan to buy a car to the dealer for preliminary examination, including filling in the application form and contract of automobile consumption loan and other bank loan information, providing credit certificates such as ID card, household registration book, income certificate, real estate license and marriage certificate of the borrower and spouse, and signing the loan contract and related documents by the borrower and spouse. This is to let banks, insurance companies and car dealers have an understanding of your situation. As long as the situation meets the loan conditions, you can successfully handle the loan business.
Third, pay the down payment and sign a car purchase contract.
Pay the corresponding down payment according to the model you choose, generally 20% of the total car payment (some dealers will have zero down payment models). After that, it signed a car purchase contract with the dealer, and the insurance company handled the corresponding auto insurance.
Four. Bank acceptance and review
The dealer submits the customer information and the car purchase contract to the bank, and the bank conducts pre-loan investigation. When all this is done, the bank will confirm the loan.
Verb (abbreviation for verb) The dealer delivers the vehicle.
After the bank lends money to the car dealer, the car dealer will go through the intermediate procedures such as vehicle entering the factory, licensing and vehicle insurance, and deliver the car to the buyer at the agreed time. At this point, the whole process of buying a car with consumer loans is completed.