1. The procedures and conditions required for auto loan are as follows:

1, the applicant wants to apply for a car loan. After approval, the bank will inform the borrower to fill in various forms, as well as loan contracts, guarantee contracts and mortgage contracts, and go through mortgage registration and insurance procedures;

2. Banks issue loans. The borrower pays the down payment to the car dealer, and goes through the formalities of car pick-up with the passbook and the car pick-up note issued by the bank;

First of all, you should have full capacity for civil conduct. Secondly, you should have a permanent residence in the region and a valid residence status.

4. The vehicle mortgage lender must have a fixed unit occupation and long-term stable income;

5. The vehicle mortgage lender has no bad criminal record and bad loan credit record, and the social credit is good.

6. The vehicle mortgage lender must be married, aged between 22 and 55, and the female shall not be over 50 years old.

Second, the car loan process

1. The lender submits detailed loan application materials to the bank;

2. The bank conducts a preliminary examination of the application materials submitted by the borrower;

3. The bank conducts credit investigation and customer evaluation on auto lenders;

4. If it passes the preliminary examination and credit investigation of the bank, the loan application is approved;

5. After the customer's qualification and information are approved, you can sign a contract, go through mortgage registration, insurance and other procedures, sign a vehicle loan mortgage contract, one for the bank and one for the customer, and also sign an automobile sales contract, one for the dealership, one for the customer and one for the bank; If it fails to pass the examination and approval, the bank will explain to the borrower;

Third, after the loan contract comes into effect, the handling bank will issue the loan, and the whole approval process will take 3 ~ 5 working days. The bank adopts the method of earmarking, that is, according to the contract, the handling bank directly transfers the loan to the 4S shop account where the borrower buys the car.

Handling car pick-up procedures: the borrower pays the down payment to the car dealer, handles the car pick-up procedures with the car pick-up form issued by the bank, puts on the license, and submits the car license, invoice, insurance policy, driving license, ID card and household registration book to the bank. After the mortgage, the bank will return the driving license, ID card and household registration book.