First, book a car. Book the car first, then take the loan process, and negotiate with the 4S shop for specific preferential policies.
Second, submit the loan procedures. Usually need: husband and wife identity certificate, driver's license, marriage certificate, real estate license, income certificate, bank running water and other information.
Third, waiting for approval. After the loan procedures are submitted, the bank/vendor finance/third-party finance company will examine and approve the loan applicants' qualifications, which are usually divided into online examination and approval and offline examination and approval. Online approval generally calls the loan applicant; Offline approval is generally a home visit, and it will only be taken if the loan applicant's qualification is not very good.
Fourth, pay the down payment. After the loan is approved, it is necessary to pay the down payment to the 4S store first, and then the 4S store will issue a receipt for the down payment and give it to the bank/finance company for loan.
5. borrow money to pick up the car. Banks/financial companies will lend money to 4S shops or loan applicants, so that they can issue insurance invoices to pick up their cars normally.
Application conditions
To apply for a car loan, you must buy a limited range of cars at a special dealer recognized by the bank and apply for a car loan.
Loan buyers must also meet the following conditions:
(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.
(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.
(3) During the loan application period, the car buyer shall deposit no less than the down payment stipulated by the bank in the account of the bank savings counter.
(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.
(5) Car buyers are willing to accept other conditions deemed necessary by the bank.
If the applicant is an enterprise or institution with legal personality, it shall meet the following conditions:
(1) has the ability to repay bank loans.
(2) During the loan application period, it shall not be less than the down payment for car purchase stipulated by the bank and deposited in the bank accounting department.
(3) Provide the bank with an approval guarantee.
(4) Willing to accept other necessary conditions proposed by the bank.
The special dealer referred to in the loan refers to the automobile dealer who is selected by the branches at all levels of the bank according to the financial strength, market share, credibility and other factors of the dealer, and then reported to the head office, and signed an automobile consumption loan cooperation agreement with each branch after confirmation by the head office.
Baidu encyclopedia-loan to buy a car