1. When buying a car, we need to book the car first and then go through the loan formalities. We should negotiate specific preferential policies with the sales staff of 4S stores, including car price concessions, giving or buying decorations and other expenses. These must be determined first, and a car purchase contract should be signed. Because there are some differences between the cost of buying a car by loan and the cost of buying a car in full, you should ask carefully during the negotiation stage;

2. Submit the loan procedure information. At present, the loan procedure information can be roughly divided into two types. General loan needs: husband and wife identity certificate, driver's license, income certificate, bank flow;

3. Waiting for approval. After the loan procedures are submitted, the bank will examine and approve the qualifications of the loan applicant. Approval is generally divided into online approval and offline approval. If the online approval is passed, the loan applicant will generally be called to ask about matters such as car purchase and personal work, and then decide whether to pass;

4. Pay the down payment. After the loan is approved, we need to pay the down payment to the 4S shop first, then the 4S shop will issue a down payment receipt, and finally give this down payment receipt to the bank or financial company to wait for the loan;

5. borrow money to pick up the car. After paying the down payment, the bank or financial company will lend a loan to the 4S shop or the loan applicant himself, so that we can issue an insurance invoice to pick up the car normally.

Million car purchase subsidy