In addition, after the new car loan, users need to buy all the insurance in the first year, so the insurance cost is not small for users.
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Car loan, commonly known as "car loan", is a major consumption form of modern car purchase. Refers to the loan that the lender gives the borrower to buy a car (including a used car), including personal car loan, dealer car loan and institutional car loan. The auto loan interest rate shall be implemented in accordance with the loan interest rate regulations published by the People's Bank of China, and the method of interest calculation and settlement shall be determined by both borrowers and borrowers through consultation. The loan term of auto loan (including extension) shall not exceed 5 years, of which the loan term of used car loan (including extension) shall not exceed 3 years, and the loan term of dealer auto loan shall not exceed 1 year. Lenders and borrowers should follow the principles of equality, voluntariness, honesty and trustworthiness.
Process editing and broadcasting
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;
Applications need to be edited and broadcast.
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.
Editing and playing of program flow
1. Car buyers go to the bank outlets for consultation, and the outlets recommend the special dealers who have signed the Cooperation Agreement on Used Car Consumption Loan with the bank.
2. Go to the dealer to select the second-hand car to be purchased, and sign a car purchase agreement with the dealer to clarify the model, quantity and color.
3. Apply for a loan at a bank outlet. The necessary materials for applying for a loan at a bank outlet include: personal loan application, valid identity documents, proof of occupation and income, basic family information, car purchase agreement, supporting documents required for guarantee, and other conditions stipulated by the lender.
4. The bank will review the user's credit, notify the car buyer within 15 working days after the loan application is accepted, and sign a loan contract for second-hand car consumption with the borrower who meets the loan conditions. The maximum loan amount for second-hand car consumption does not exceed 60%~80% of the car purchase price (different banks), and the longest loan period does not exceed three to five years (different banks, taking Beijing as an example, must make a down payment of 50% for second-hand car loans, and the longest loan period is three years).
5. Sign loan and guarantee contracts. If the applicant meets the loan conditions, the bank will sign a loan contract and related guarantee contract with him. Guarantee methods and corresponding procedures:
(1). If the user provides a third-party joint and several liability guarantee (except banks and insurance companies), the guarantor signs a guarantee contract with the bank, and the insurance company can also provide a joint and several liability performance guarantee or the bank can provide a letter of guarantee.
(2) The user should sign a mortgage or pledge contract with the bank to guarantee by mortgage or pledge. If the house is mortgaged, it must be appraised and confirmed by the designated appraisal agency, and the bank and mortgagor shall go through the mortgage registration at the county real estate registration office where the house is located, and the contract will take effect after obtaining the property right certificate. If it is a pledge guarantee, the pledge contract will take effect after the title certificate is handed over to the bank.
(3) After the above procedures are completed, the bank shall issue a loan notice to the special dealer in time.
(4) If the purchased second-hand car is used as collateral, the bank shall issue a loan notice to the special dealer in time. After the purchased second-hand car is licensed, the bank shall go to the vehicle management office for mortgage registration.
6. The bank issues loans, and the user handles vehicle insurance and picks up the car. After receiving the loan notice 15 days, the special dealer will hand over the customer's car purchase invoice, payment document and driving license (copy) to the bank. After the customer goes through the formalities of property insurance, the bank issues loans. The types of insurance include: vehicle loss insurance, third party liability insurance, burglary insurance and spontaneous combustion insurance. All kinds of insurance period shall not be shorter than the loan period.