Generally, it is necessary to show personal related procedures to be audited by the bank, but now as long as the dealer provides loans, the car purchase procedures are basically handled by the dealer.

1. First of all, it is necessary to know whether the beneficiary of car purchase by installment is a bank or a financial institution, because many banks now have a higher threshold for car loans, and more financial companies, especially those in the same department as car manufacturers, have begun to handle convenient loan procedures for customers (for example, Shanghai GM's financial company has gmac loans).

2. Secondly, the requirements for car buyers: generally, the wage income is normal, preferably provident fund, real estate (with property rights) or married. Of course, if you have other written documents that can prove the strength of your paid loan, that's fine. Then how much can we borrow? The general loan amount is not higher than 80% of the car price, and the rest is called down payment. Some banks or financial institutions need you to pay a down payment before lending. The loan term is one year, two years, three years or five years. If the loan is 80,000 to100,000, 3 years is the best choice, and 5 years will lead to higher interest expenses. Car buyers are most concerned about the process: generally, you will know whether the bank is willing to lend you money after submitting the forms that the bank needs you to fill out (it is better to write in detail, and they will check them) and some basic materials (ID card, household registration book, marriage certificate, etc.). ), as well as the price (fare) of the vehicle and the vehicle information parameters on the certificate (provided by the car dealer). If the bank agrees to the loan, you should sign a vehicle loan mortgage contract, one for the bank and one for you; You have to sign a car sale contract, one for the car dealer, one for you and one for the bank. After signing the contract, the car dealer pays the down payment, and the car dealer contacts the bank to let the bank lend money. In this case, the car will be paid in full! Vehicle insurance follows the loan term. If you borrow for three years, you will be insured for three years, but now some financial companies can let you pay the premium year by year. Insurance covers one more theft than a one-time payment vehicle, because the car belongs to the bank before you pay it off. When the car payment arrives, it means that you have paid the car payment, and you can pick up the car or apply for a license directly. After handling the license, you give the vehicle production certificate, invoice, insurance policy, driving license, ID card and household registration book to the bank. After mortgage, the bank will return the driving license and ID card household registration book to you. These are detailed enough. Finally, don't forget to deposit money in the passbook. The bank will deduct money regularly, and the details of deduction will be sent to you.

Second, the Harvard financial car loan process?

1, application

Select vehicle models and financial products, and submit loan applications.

Step 2 agree

Loan review and approval, after receiving the application, we will communicate with customers by telephone according to their credit status and information provided, and give approval opinions.

Step 3 sign a contract

Pay the down payment and sign the contract; Register for insurance and mortgage. Signing includes loan contract, mortgage contract, transfer authorization, etc. Pay the down payment, go through the vehicle-related formalities, and assist in the vehicle mortgage registration.

Step 4 pick up the car

Enjoy a car and pay back monthly.

Third, the whole process of loan car purchase process

The process steps of buying a car by loan are: 1. Customers choose and order cars, sign a car purchase agreement with car dealers and pay a deposit. 2. Prepare personal ID card, bank account, car purchase agreement and other materials to apply for car loan at the bank (auto consumption finance company) business outlets, collect the application form at the counter to fill it out, and then hand the completed form together with the materials to the staff. 3. After the bank (auto consumption finance company) accepts the application, it starts to sort out the information, carries out the examination and approval, and informs the customer as soon as the examination and approval result comes out. 4. After receiving the notice, the approved customer will sign the loan contract at the outlet within the agreed time, handle the vehicle mortgage and other related procedures, pay the down payment at the 4S shop, and then wait for the loan. 5. The loan funds are paid to the account. After the 4S shop receives the final payment, the customer can take the personal ID card to pick up the car and give the car a license. Then, remember to repay the car loan in installments on time according to the repayment plan agreed in the loan contract. After the car loan is settled, the customer can apply for the loan settlement certificate, get back the vehicle registration certificate, and then go to the vehicle management office to understand the mortgage procedures.

Fourth, what kind of process is it to buy a car by loan?

If the money ~ if the other party's target is 654.38+0.5 million ~ the minimum down payment is 1 10,000 ~ then the first money you have to pay is the account, road maintenance fee and compulsory insurance ~ they have to buy insurance for you ~ 30%-40% of which are refunded by insurance companies ~ that is to say, if you buy it yourself, it will be at least 30% cheaper ~ just as your car.