How to apply for a car loan, what are the specific processes?
Loan to buy a car loan process:
1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;
2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;
3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract;
4. Repay 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.
How to apply for a car loan
What city is it? The down payment of a loan to buy a car must reach at least 30% of the car price. At the same time, due to the need for loans to buy a car in the early stage, it is recommended to prepare more than 40% down payment. At the same time, the loan period for buying a car is generally three years, and it cannot exceed five years at most. The car loan interest rate is generally above 7.4%.
The basic conditions for applying for a car loan are:
(1) has 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.
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Shanghai car loan: how to handle Shanghai car loan?
At present, loans to buy cars basically go directly to the bank to apply for unsecured consumer loans. The process is simple, the interest is low, and there is no need to mortgage the ownership of the car.
Bank of Shanghai does not need any mortgage or guarantee, and the procedure is simple. It can lend money on the same day as soon as possible, with a term of 1-3 years.
To apply for Shanghai Bank, you need to meet the following conditions:
(1) has China nationality (excluding Hong Kong, Macao and Taiwan residents);
(2) The age is 20-60 years old;
(3) Living in Shanghai and having a stable occupation; Unlimited household registration
(4) Having worked in the current company for 6 months with a monthly income of more than 3,000 yuan/If the applicant is an enterprise legal person or shareholder, the enterprise must be registered and actually operated for one year.
If you meet the requirements of our bank, you can apply.
Tips: Be careful when lending, and don't pay any fees before lending! If there is a loan demand, it is best to go directly to the bank outlet! Beware of being cheated.
How to apply for a car loan in Hangzhou?
The conditions for applying for a car loan are: (1) having 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. Car loan 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; (3) car purchase agreement, contract or letter of intent signed with the dealer; (4) Other materials required by banks or lending institutions. Banks, 4S shops and many lending institutions all accept car loans. The bank's interest rate is low, and the 4S shop is convenient, but some fees will be added. Now there is another way to apply online, which is convenient and saves money.
How to apply for a car loan and how to repay it?
Method/Step (Transmission from Network)
1. After you are optimistic about the vehicle to be purchased, fill in the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to the loan bank together with the relevant certificates of personal situation.
2. The bank conducts pre-loan investigation and approval. After accepting the loan application, the bank will investigate the credit status of the borrower and guarantor. For those who meet the loan conditions, the bank will promptly notify the borrower to fill in various forms.
3. Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures.
4. The bank issues loans (the bank transfers money directly to the car dealer's account).
5. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.
Precautions:
1. Buying a car with a loan is not suitable for families with a monthly income of less than 6,000 yuan. After buying a car with a loan, in addition to repaying the principal and interest of the loan on a monthly basis, the monthly car maintenance expenses such as fuel, maintenance and parking fees are about 1.300 yuan, and the average monthly car supply and maintenance expenses are between 3,000 and 4,000 yuan. Therefore, car buyers should have higher family income and try to avoid conflicts with mortgages. If they blindly buy a car in order to follow the fashion, it will affect the overall quality of life of the family.
2. If funds permit, you can consider repaying the loan in advance. In order to reduce the pressure of repaying the principal and interest, most people will choose a five-year car loan. However, with the increase of income, if you have the ability to repay the loan in advance, you can consider repaying the loan in whole or in part in advance, so that you can get back the mortgage invoice and other car purchase procedures as soon as possible, become a real "car owner", make full use of the family's surplus funds, and realize scientific financial management.
3. Be cautious with zero down payment and low interest rate. Some car dealers and loan intermediaries use the so-called zero down payment, low interest rate or even no interest as a means of promotion. Some concessions are actually "the wool is on the sheep" and will "make up for the loss" by raising the car price and increasing the handling fee. Therefore, handling auto loans should be handled by commercial banks or regular auto financing companies that comply with the Measures for the Administration of Auto Financing Companies.
Don't forget to repay the loan principal and interest on time. According to the regulations of the bank, the lender shall deposit the principal and interest repaid in installments in the settlement account in advance. If the principal and interest cannot be repaid on time, the bank will charge a certain late payment fee, and take measures such as detaining the mortgaged vehicle and investigating the guarantor's responsibility according to the situation. In addition, the bank will record the borrower's credit status as "bad". After the credit system is improved, borrowers with bad records will be jointly banned by banks.
What are the car loan processes of Shanghai Pudong Development Bank?
Automobile loan processing flow:
1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;
2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;
3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract;
4. Repay 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.
The application conditions for auto loan are as follows:
1. Car buyers must be at least 18 years old and be China citizens with full civil capacity.
2. Car buyers must have a relatively stable job, a relatively stable economic income or assets that are easy to realize, in order to repay the loan principal and interest on schedule.
3. During the loan application period, the car buyer will deposit the down payment for car purchase lower than that stipulated by the bank into the account of the bank savings counter.
4. Provide banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.
5. Car buyers are willing to accept other conditions deemed necessary by the bank.
How to apply for a car loan from Minsheng Bank?
Yes, it seems that you need to own your own property. My daughter-in-law is in people's livelihood. You can leave me a message if you have any questions.
How does ICBC apply for a car loan?
Conditions of car loan
(1) has 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.
Automobile loan application materials
1, the original ID card, residence booklet or other valid proof of residence, and provide its copy;
2. Proof of occupation and economic income;
3 car purchase agreement, contract or letter of intent signed with the dealer;
4. Other materials required by ICBC or lending institutions.
The maximum loan amount generally does not exceed 80% of the price of the purchased car.
Loan Term: The loan term for general automobile consumption is 1-3 years, with a maximum of 5 years.
The repayment method can be one-time repayment of principal and interest and installment repayment (equal principal and interest, equal capital).
How to apply for a car loan from China Bank?
The process of bank of China loan to buy a car;
1. The borrower submits the 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 the borrower;
4. The bank examines and approves the loan application that meets the loan conditions through preliminary examination and credit investigation;
5. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower;
6. After the loan contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.
Application 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. Good personal credit;
5. Holding a car purchase contract or agreement approved by the lender;
6. Other conditions stipulated by the Cooperation Organization.
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;
3 car purchase agreement, contract or letter of intent signed with the dealer;
4. Other documents required by the cooperation agency.
How to apply for a car loan?
1. If you apply for a personal car loan in China Bank, the borrower shall meet the following conditions:
1, a natural person with full capacity for civil conduct;
2. Effective proof of personal identity;
3. Have the legal ability to repay the loan principal and interest;
4. Good personal credit;
5. Holding a car purchase contract, agreement or letter of intent approved by the handling bank;
6. Providing collateral (pledge) recognized by the handling bank or individuals or units with sufficient compensation capacity to provide irrevocable joint liability guarantee for third parties; Or provide corresponding materials that meet the customer access conditions of the Interim Measures for the Administration of Personal Credit Revolving Loan Quota of Bank of China;
7. Proof of the down payment ability of the car purchase limit stipulated in these Measures;
8. Other conditions stipulated by the handling bank.
Two. The information submitted is as follows:
(a) loan application;
(two) the original identity card, residence booklet or other valid proof of residence, and provide a copy;
(3) Proof of professional and economic income, including but not limited to income certificate issued by the unit, bank deposit certificate, credit card statement, tax payment certificate, etc. ;
(four) the car purchase agreement, contract or letter of intent signed with the dealer;
(5) The certificates or documents required for the guarantee, including the list of mortgaged (pledged) goods, and the certificate that the person who has the right to dispose of it (including the property owner) agrees to mortgage and pledge; Certificate of ownership or use right of collateral issued by the competent department, written appraisal certificate (written appraisal of vehicle invoice price combined with market published price), and documents agreeing to insure; Pledged goods need to be delivered with pledged goods or rights certification documents; The guarantor agrees to perform the guarantee contract and relevant credit certification materials of joint and several liability guarantee; Or documents proving that they meet the conditions for credit loans;
(6) Relevant certificates that the down payment for car purchase has been paid;
(7) Other documents required by the branch.
3. As there are some differences in different regions, please consult the local institutions in detail when applying for loans.
The above contents are for your reference. Please refer to the actual business regulations.
How do individuals borrow money to buy a car?
When buying a car, you need to bring your ID card, and the company should bring your organization code certificate and official seal.
1, apply. After you are optimistic about the vehicle to be purchased, fill in the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to the loan bank together with the relevant certificates of personal situation.
2. The bank conducts pre-loan investigation and approval. If the loan conditions are met, the bank will promptly notify the borrower to fill in various forms.
3. Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures.
4. The bank issues loans (the bank transfers money directly to the car dealer's account).
5. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.
Extended data
Four iron laws for buying a new car
The first iron is to avoid vehicles with three-cylinder engines as much as possible. At present, when many car companies push a new car, they usually push three models with different engines. In many cases, they are designed to meet emission standards, not from the consumer's point of view. Many old drivers are well aware that one of the major defects of a three-cylinder engine is jitter.
It can be said that this engine is inherently deficient, and some car companies claim to have added a balance shaft. The jitter problem has been solved. The new car doesn't seem to shake as much as expected, but with the increase of car use time, the problem of shaking will become more and more obvious.
The second iron law is to avoid dual clutch models as much as possible. At present, many models are matched with dual clutches. Although the dual clutch has indeed developed for many years, it is technically much better than the beginning. Compared with at and CVT gearboxes, the failure rate of dual clutch models will be higher.
Novice drivers are not as good as old drivers in driving skills and driving methods, and they are not very good at grasping dual-clutch models. Various problems are prone to occur in the process of car use, which affects the car experience. If you have to choose dual clutch, try to choose wet dual clutch.
The third iron law is that novices should try not to buy high-end models when buying cars. The average consumer considers the cost performance when buying a car. Now that car companies release a new car, there will be low-equipped, medium-equipped and high-equipped models. To put it bluntly, high-profile models are more suitable for those consumers who have higher consumption levels and pay attention to the diversification of their own configurations.
If individuals pay more attention to the driving experience and some configurations, then it is enough to choose a mid-range model. As for the configuration in the high-profile models, although rich, many of them are actually not used.
The fourth iron law is that a large-displacement self-priming car is better than a small-displacement turbocharged car. If you have been to the used car market, you will find that many small-displacement turbocharged cars are piled up in the car, and few people will buy them. Some old drivers describe two kinds of cars like this. Large-displacement self-priming is like a naturally strong person, and small-displacement turbocharged models are like a naturally weak person.