It is very unreasonable for car loan users to sign loan contracts and lease contracts. When the lending institution handles the car loan business, if the user wants to sign a lease contract, it must ask the lending institution if there is any mistake. Lending institutions insist that users sign lease contracts, so there is suspicion of fraud. At this point, the user can. Signing a lease contract means that there is a vehicle lease relationship between the user and the lending institution, and there is no loan relationship between them. Then, after the car loan is paid off, there will be a situation where the vehicle is still not a user.

What are the procedures for buying a car with a loan? Do I have to have proof of income?

I. Application materials

1. Original ID card, household registration book or other valid proof of residence, and provide its copy;

2. Proof of occupation and economic income, and running list of personal accounts in recent 6 months;

3 car purchase agreement, contract or letter of intent signed with the dealer;

4. Other documents required by the cooperation agency.

Second, proof of income is necessary.

Extended data

I. Handling process

First of all, the lender needs to prepare ID card, residence certificate, work certificate, loan use certificate and other supporting materials, go to a bank, fill out an application form and fill out a contract.

Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If so, there is no need to sign such a contract.

Secondly, banks issue loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.

Finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.

Second, the loan conditions

1. Have valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.