Not complicated.
Processing flow of loan purchase truck:
1. Customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;
2. Bank comments. The bank investigates and examines the application materials submitted by the borrower;
3. sign the contract. After approval, the two parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate;
4. Issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the vehicle dealer's account by transfer according to the contract;
5. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.
Can I get a loan to buy a truck now?
China Bank's personal business car loan refers to the car loan granted by the bank to natural persons for the purpose of making profits and engaging in legal production and business activities. Operating vehicles only refer to first-hand operating vehicles, including buses, trucks and construction machinery. Among them, construction machinery mainly refers to digging machinery (excavators) and scraper machinery (such as bulldozers, scrapers, loaders, flatbed trucks, forklifts, etc. ), hoisting machinery (crane), compaction machinery (roller), reinforced concrete construction machinery (such as concrete mixer, concrete mixer) and other construction machinery. The object of our personal car loan refers to citizens of People's Republic of China (PRC) and China who have full civil capacity and meet the following conditions: (1) The purpose of the loan is clear and legal; (2) The amount, duration and currency of the loan application are reasonable; (3) Having the willingness and ability to repay; (4) It has a good credit status and no major bad credit record; (5) Other conditions required by the bank. Because there are some differences in different regions, please consult local institutions in detail when applying for loans.
The above contents are for your reference. Please refer to the actual business regulations.
How to handle truck loans
Car loan process: 1. The borrower submits the loan application materials to the bank. 2. The bank conducts a preliminary examination of the application materials submitted by the borrower. 3. The bank conducts credit investigation and customer evaluation on the borrower. 4. The bank examines and approves the loan application that meets the loan conditions through preliminary examination and credit investigation. 5. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall be explained to the borrower. Article 11 of the Interim Measures for Personal Loans The application for personal loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.
How to borrow a truck loan? What should I pay attention to?
Speaking of car loans, many people know it, but do you know about truck loans? I'm afraid few people know this. As a commercial vehicle, trucks are purchased in large quantities, and it is difficult for many people to pay in full. But in fact, you can also choose a loan, so how do you borrow a truck loan? What should I pay attention to?
Processing flow of truck loan
1. Choose a truck dealer who can accept the truck consumer credit business and has certain loan qualifications.
2. Submit the identity certificate and other materials required by the dealer. Including the original and photocopy of ID card, household registration book, marriage certificate, income certificate, real estate license or relevant residence certificate.
3. Review the qualifications of truck loan applicants. After getting the relevant information, the dealer will investigate your credit history, and only if there is no bad credit record can you pass the audit.
4. Pay down payment and deposit. After approval, a down payment and a certain deposit are required.
After the new car is insured, you can pick it up.
Matters needing attention in truck loan
1. According to the relevant regulations, the loan period for new cars generally does not exceed 5 years. After the repayment date expires, the repayment should be made in full and on time.
2. In order to avoid risks, some dealers will add repayment clauses to the contract. If the owner fails to pay the repayment within two months, the dealer has the right to take back the vehicle.
3. Within a certain period of time, the owner can redeem the vehicle at the price of 90% of the vehicle price, otherwise the ownership of the vehicle belongs to the dealer.
Here, I introduce "how to get a truck loan? What should I pay attention to? " I hope it will help everyone.
What are the procedures for handling truck loans?
Process of handling truck loan:
1, select the product that needs car loan;
2. Apply for universal car loan packages and services on the spot according to your own situation;
3, the staff of the loan review and approval;
4. The store signed a contract to pick up the car.
Application requirements
The second-hand car loan business provided by banks has higher requirements for borrowers. Generally, borrowers are required to have a proper occupation, stable income, the ability to repay on time and good personal credit. If you can prove that you own a local property, the borrower's loan application will be more secure.
Take Beijing as an example. Applicants must have Beijing hukou, ID card and permanent residence. /kloc-citizens aged 0/8 to 60; Need to have a stable job and a stable income.
The materials to be prepared for applying for a loan include: the identity card of the car buyer; Household registration book; Housing certificate; Proof of income: the monthly income must be twice the monthly repayment amount; Two recent one-inch photos. If the buyer is married, marriage certificate and spouse certificate are required.
Extended data:
Repayment method
Waiting amount for debt service
When calculating, the interest generated by the monthly loan balance is calculated first, and the repayment principal of the current month is formed after deducting the interest payable from the equal repayment amount.
At the initial stage of repayment, due to the large loan balance, interest accounts for a large proportion in monthly repayment, and the repayment speed of principal is relatively slow. With the passage of time, the loan balance gradually decreased, the proportion of interest gradually decreased, and the proportion of principal gradually increased. This repayment method is more suitable for people with fixed year-end bonus or fixed annual income.
matching principal repayments
The average capital of car loan refers to the repayment method selected by the borrower in the average capital after the car loan. During the repayment period, the total loan amount is divided into equal parts, and the same amount of principal and interest generated by the remaining loan in the month are repaid every month. Because the monthly repayment amount is fixed and the interest is getting less and less, the lender is under great pressure to repay at first, but with the passage of time, the monthly repayment amount is getting less and less.
Calculation formula of average capital loan: monthly repayment amount = (loan principal/repayment months) (principal-accumulated repaid principal) × monthly interest rate.
Wisdom repayment
This repayment method is a new way of automobile repayment, that is, the loan is divided into two parts, which are repaid in the first and last installment respectively. After the smart balance payment expires, there are three different repayment schemes to choose from:
Option 1: Return the balance in one lump sum at maturity;
Option 2: Refinancing the balance and applying for loan extension 12 months;
Option 3: Return the balance through vehicle replacement.