Nowadays, the auto loan business between banks and auto financing companies is undoubtedly a substitute for full payment, and more and more consumers tend to buy cars by means of loans. Then there will be consumers who want to know how long the loan will take to get the car. This is through the process in banks or auto financing companies or 4S stores.
Under normal circumstances, you can't pick up the car on the day of the loan, because the 4S shop still needs to wait for the lending institution to credit the loan into the account first, and then the consumer can pick up the car after confirming the receipt.
After preparing the information, consumers apply for loan business from lending institutions, and the waiting time is basically to see how fast the lending institutions review. Due to the high threshold of bank loans and strict examination, it takes 1-3 working days at the earliest, and generally takes one week at the longest. If you buy a car in full, it is very likely that you can pick it up on the same day.
However, the review of auto financing companies is slightly looser, so the speed of reviewing loan applications is faster and consumers wait shorter. But you can't pick up the car on the day of the loan.
4s documents that must be given for loan: car purchase invoice, certificate of conformity, vehicle registration certificate, three-guarantee certificate, vehicle manual, new car delivery confirmation form, etc. For details, please consult the 4s shop. Of course, the owner will be informed to pick up the car at the designated place with the corresponding information.
Can I pick up the car on the day of mortgage down payment? How many days will it take?
No, about two or three days.
Under normal circumstances, you can't pick up the car on the day of the loan, because the 4S shop still needs to wait for the lending institution to credit the loan into the account first, and then the consumer can pick up the car after confirming the receipt.
After preparing the information, consumers apply for loan business from lending institutions, and the waiting time is basically to see how fast the lending institutions review. Due to the high threshold of bank loans and strict examination, it takes 1-3 working days at the earliest, and generally takes one week at the longest. If you buy a car in full, it is very likely that you can pick it up on the same day.
Matters needing attention in loan car purchase
1, before buying a car, know the details of loan to buy a car, such as car payment, purchase tax, insurance, handling fee/service fee, licensing fee, etc.
2. Beware of interest-free routines. After participating in interest-free activities, you may be required to buy insurance in our store, charge fees in disguise, and bundle some products.
3, master certain bargaining skills, you can try to talk about the price of naked cars before buying a car, and then choose other packages to supplement. Generally, the bid will not be much higher than the price of naked cars. If the price difference is too big, you can shop around and make a decision.
Refer to the above? People's Daily Online-Practical Guide to Auto Loan: The lowest zero down payment of bank loan interest rate is mostly promotion package and Baidu Encyclopedia-auto loan down payment.
Can I pick up the car on the day of the loan?
Can I pick up the car on the day of the loan?
cannot
Book a car first;
Handling loan procedures in 4S shop: including providing information and signing loan details;
Waiting for the loan agreement of the bank to give this loan to the 4S shop;
After obtaining the consent form, the general 4S shop will inform the customer to pay the down payment;
The customer picks up the car and gets the card;
After the card is completed, the information is mortgaged to the bank;
A few days after the mortgage (usually according to the bank's audit), the money will be paid to the 4S store.
It should be possible, provided that the credit formalities can be completed on the same day, and the model you like must be in stock.
Now the credit procedures are very convenient, and some directly entrust the 4s shop with full authority. Your vehicle registration certificate needs to be mortgaged, and you can't get it until the repayment is over. Without the registration certificate (that is, the property right certificate), the vehicle cannot be transferred.
Can't you pick up the car on the day of the loan?
Can't pick up the car on the day of loan:
1, generally can't pick up the car on the spot.
2. Moreover, unlike other commodities, automobiles need to go through insurance, license issuance, vehicle inspection, license registration and other procedures, which is quite complicated. It usually takes 7 working days to complete the application.
Supplement:
It means that the borrower who applies for buying a car pays part of the down payment first, and the lender issues loans to the car buyers in installments for the rest.
2. Edit the application conditions
1. Have valid identification and full capacity for civil conduct;
2. Can provide a fixed and detailed address certificate;
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.
3 Application data editing
1. Original ID card, household registration book or other valid residence certificate, and provide a copy;
2. Proof of occupation and economic income;
3 car purchase agreement, contract or letter of intent signed with the dealer;
4. Other archival materials required by the Cooperation Organization.
After you have provided these procedures for buying a car by mortgage, you need to meet some other conditions before you can apply for buying a car:
1. Have valid identification and full capacity for civil conduct;
2. Can provide a fixed and detailed address certificate;
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.
4 Application mode editing
In order to increase car sales, * * * jointly launched a personal loan car purchase business with financial institutions. At present, there are two main ways to buy a car with personal loans in the market finance industry, 1. It is to buy a car with real estate mortgage. Generally, a car can be mortgaged for up to 5 years with a down payment of more than 30%. The interest rate is mainly determined according to your loan type and your personal qualifications. 2. Personal credit loan to buy a car (unsecured and unsecured, generally requires you to have good credit and stable work income). This loan form can generally be used for 5 years (the company can only borrow for 3 years), and the down payment is more than 30%.
According to the conditions of major banks, the general conditions for buying a car by loan are: 1. Having valid identification and full capacity for civil conduct; 2. Can provide a fixed and detailed address certificate; 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. Car loan application materials: original ID card, household registration book or other valid residence certificate, and provide its copy; Proof of occupation and economic income; The car purchase agreement, contract or letter of intent signed with the dealer; Other information required by banks or lending institutions.
5 Buy a car process editor
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. Lenders (banks) handle loans;
6. After the loan is paid off, the lender (bank) cancels the pledge certificate and returns it to the customer.
6 required formalities editing
To successfully apply for a loan, you need to meet the standards set by the bank. The following is the information that must be provided to buy a car by mortgage.
1. Original ID card, household registration book or other valid residence certificate, and provide a copy;
2. Proof of occupation and economic income;
3 car purchase agreement, contract or letter of intent signed with the dealer;
4. Other documents and materials required by the Cooperation Organization.
After providing these procedures for buying a car by mortgage, you need to meet some other conditions before you can apply for buying a car:
1. Have valid identification and full capacity for civil conduct;
2. Can provide a fixed and detailed address certificate;
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.
After meeting the above conditions for buying a car by mortgage, you can go through the formalities smoothly. Just go to the loan bank and apply for a personal automobile mortgage. In addition, after providing these materials, the bank needs to review them and confirm that they are correct before they can be approved.
Can I borrow money to buy a car one day?
You can't pick up the car on the day of loan purchase: 1. Generally can't pick up the car on the spot. 2. Moreover, unlike other commodities, automobiles need to go through insurance, license issuance, vehicle inspection, license registration and other procedures, which is quite complicated. It usually takes 7 working days to complete the application.
How many days can I get the car with a loan?
Generally, after paying the down payment, you will apply for insurance and get the card the next day. Go to the mortgage when the card is bright. You can take the car after you get the mortgage. It's basically about three days.
Materials required for loan to buy a car:
1. Personal and spouse ID cards; ?
2. Personal and spouse's household registration book;
3. Marriage certificate
4. proof of income of myself and my spouse;
5. Real estate license;
6. driver's license;
7. Details of the bank statement under the name of the individual;
Note: Unmarried people do not need to provide spouse materials and marriage certificates, while divorced people need to provide divorce certificates or divorce agreements.
Can you clear the customs on the day when the loan is picked up?
Different 4S stores are different. Generally, the customs clearance of 4S stores is mortgaged in the bank, and the full amount will be taken out at the bank, but 4S stores will negotiate with the bank in advance to take it out, so even if they can't get it the next day, they can usually get it. Many cases were obtained on the same day. But don't wait until the weekend to pick up the car, because the bank is closed on weekends, unless the 4S shop takes it out for you in advance (provided that you tell the 4S staff to pick up the car on weekends in advance), you won't get the customs clearance form.
How many days can I get the car with a loan?
It depends on when you apply for a loan. Generally, you pay a deposit before buying a car. The car dealer places an order and waits for the car. Colleagues arrange loans. First, it depends on what kind of loan you take. If it is a 4S loan, it will be about 65,438+0 weeks faster than the bank. When the loan comes down, the car will almost arrive, and the loan will come down in about three weeks, but the car may not arrive at the 4S shop in three weeks.
Pick up the car on the same day: can I pick up the car on the same day with a loan?
You can't.
Application conditions for mortgage car purchase:
Having valid identification and full capacity for civil conduct;
Can provide fixed and detailed address proof;
Have a stable job and the ability to repay the loan principal and interest on schedule;
Personal social credit is good;
Holding a car purchase contract or agreement approved by the lender;
Other conditions stipulated by the cooperation organization.