1. What are the procedures for new car mortgage?
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;
6. 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.
7. 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.
Second, the guarantor's guarantee conditions
1. Individuals with local hukou and full capacity (2).
2. Or a national civil servant with a local hukou (one).
3. Or an individual (one) who has a local hukou and owns his own real estate or real estate in the local area.
4. Civil servants with loans of less than 654.38 million yuan may be exempted from the guarantor.
Credit information required by the guarantor:
1. Original and photocopy of guarantor's ID card and household registration book.
2. The income certificate of the guarantor.
3, the guarantor's property certificate and a copy.
4. The guarantor fills in the letter of guarantee in person.
Third, the registration and verification of vehicle information.
After paying the vehicle purchase tax and insurance, the prospective owner can get the new car registration form with the payment voucher and the registration certificate of the car purchase invoice, the original car quality certificate, the original ID card and a copy, and accurately fill in the relevant information of the owner and the vehicle to register the vehicle information. After the registration is completed, the vehicle management office will test and verify the engine number, model and exhaust gas. And the owner of the applied vehicle, and compares the detection result with the vehicle registration information and the owner one by one for confirmation. After confirmation, take photos of the vehicle for archiving.
Now it is a legal society, and many things closely related to life are inseparable from the law, so we should know some legal knowledge. The existence of law can help us to deal with some things around us better. If you have any other knowledge you want to know, please come to Pacific Auto Network for consultation.
Million car purchase subsidy