1. Personal valid ID. Including resident identity cards, household registration books, etc. If the borrower is married, the identity certificate of the spouse shall be provided;
2. Certificate of intention to buy a car issued by the car dealer;
3. Household registration certificate or long-term residence certificate;
4. Personal income certificate, family income or property certificate when necessary;
5. If the purchased vehicle is secured by other means other than mortgage, relevant materials for the guarantee shall be provided;
6. Proof of down payment for car purchase;
7. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation.
Processing flow:
1. customer application: the customer applies to the bank, fills in the application form in writing and submits relevant materials at the same time;
2. After the contract is signed, the bank will review the application materials submitted by the borrower, and both parties will sign a loan contract and a guarantee contract, and handle relevant notarization and mortgage registration procedures as appropriate;
3. Lend a loan. After all the formalities are completed, the bank will directly transfer the loan approved by the bank to the account of the car dealer according to the contract;
4. Repayment on schedule, the borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;
5. loan settlement. Loan settlement includes normal settlement and early settlement, as follows:
(1) Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);
(2) Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, it must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.
6. After the loan is settled, the borrower shall retrieve the legal documents and relevant supporting documents kept by the bank on the strength of his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department on the strength of the loan settlement certificate.