4S shop mortgage loan process is as follows:
First, the applicant applies for a loan;
Second, the dealer conducts a preliminary examination of the applicant's loan qualification and signs an opinion;
Third, the dealer examines the applicant's loan qualification and conducts the preliminary examination of the bank;
Four, the dealer signed a car purchase contract with the applicant after the audit;
Fifth, the applicant pays the down payment and fills in the vehicle acceptance handover form;
Sixth, handle mortgage, notarization, insurance and other procedures;
Seventh, bank lending;
Eighth, the applicant repays in full and on time.
When you buy a car by mortgage in a 4S shop, you should pay attention to one thing: when applying for a loan, you must prepare the materials needed for the loan, and provide effective financial certificates such as good income certificates as much as possible to ensure the smooth approval of the loan.
In addition, the borrower must make a repayment plan in advance to avoid bad credit records due to overdue.