In fact, it is very simple to apply for installment loans, and the conditions that users have to meet are not difficult to achieve. Here are some answers for you.
First of all, how should I handle these procedures?
When buying a car, the user wants to apply for an installment loan to buy a car, which can be handled directly at the car dealer. Generally, the down payment ratio ranges from 20% to 50%, and the loan period is within 5 years, so the borrower needs to pay off the debt within this time. The procedures that users need to prepare are as follows:
1. The borrower needs to make a copy of his valid second-generation ID card 10. If you are married, you need to provide 5 copies of your partner's ID card, all of which are used for formalities;
2. The borrower also needs to provide proof of income issued by his work unit;
3. The lender also needs to provide the original household registration book or the original real estate license;
4. After selecting the model you want to buy, you need to talk to the dealer about the proportion of the payment, the amount to be paid back and the period of repayment in the later period;
5. Start to fill in the loan application form, and then you can go through the loan procedures.
After doing this, the rest is the business of the relevant staff, and users only need to cooperate with their work. After the general user submits the loan application, the review can be completed within 3 working days. If it passes, the car will be bought successfully. The above is the method of handling installment loan procedures and what users need to prepare.
Second, the conditions to be met
The first condition: the applicant must be at least 18 years old and have full capacity for civil conduct, with good personal credit status and no other bad hobbies, and must also be a legal citizen of China;
The second condition: users who apply for loans must have the ability to repay loans, so they must have a stable job and income, or have their own realizable assets as collateral;
The third condition: users who apply for loans need to provide guarantees to banks, which can be mortgaged assets or guarantors. Of course, the requirements of each bank are different. At the same time, it should be noted that users who apply for loans cannot use the loans as collateral to use the cars they want to buy.
The fourth condition: because the regulations of each bank are different and the conditions of each bank are different, if you want to borrow money, you need to meet other requirements of the bank or auto financing company used by users.
The above are some conditions that users who want to buy a car by installment need to meet. You can make a reference. After all, the conditions that everyone needs to meet are different because of the different banks used, so the specific conditions are subject to the conditions of the banks used by users.
Second, how to buy a car in full, and how to make installments in bank loans?
The full car that has been purchased can be repaid in installments by mortgage.
Handling the automobile mortgage process:
The customer provides the information of the mortgaged vehicle;
The appraiser of the borrower evaluates the vehicle to be mortgaged;
The borrower and the lender negotiate the value of the mortgaged vehicle;
The borrower and the lender sign a vehicle mortgage contract and notarize it at the same time;
The borrower and the lender go to the vehicle management office for mortgage registration and relevant certificates;
The lender drives the vehicle to the parking lot designated by the borrower, gives all the car keys to our company for safekeeping, and the borrower issues a receipt list and pays the mortgage amount at the same time;
After the mortgage expires, the lender and the borrower go through the repayment and mortgage cancellation procedures, repay all the loans, and cooperate with the borrower's vehicle management office to go through the mortgage registration cancellation procedures and get the car keys;
After the loan expires, the mortgage will be released.
Conditions for handling automobile mortgage:
The loan applicant is a citizen of China with the age of 18-65;
Have a stable economic income and the ability to repay the principal and interest of loans;
The borrower has a good credit record and no bad credit record;
The mortgaged vehicle has legal and valid certification materials (vehicle registration certificate, etc.). );
Being able to provide effective guarantee recognized by the loan bank;
Other conditions stipulated by the lending bank.
Materials prepared by automobile mortgage:
Original and photocopy of the identity certificate of the mortgagee (official seal is required);
Original mortgage contract;
Original and photocopy of motor vehicle owner's identity certificate (original and photocopy of unit vehicle organization code certificate, original and photocopy of valid residence permit for temporary residents);
Power of attorney of mortgagee and power of attorney of motor vehicle owner (stamped with official seal and cheque seal);
Motor vehicle registration certificate;
If it is an agent, the original and photocopy of the agent's identity certificate are also required;
Fill in the Application Form for Motor Vehicle Mortgage Registration/Pledge Filing.
3. Can I buy a car in full and then go to the bank for installment loan?
The full car that has been purchased can be repaid in installments by mortgage.
1.
Customers provide demand;
2.
The appraiser of the borrower evaluates the vehicle to be mortgaged;
3.
The borrower and the lender negotiate the value of the mortgaged vehicle;
4.
Borrowing and notarization at the same time;
5.
The borrower and the lender go to the vehicle management office for mortgage registration and relevant certificates;
6.
The lender drives the vehicle to the parking lot designated by the borrower, and at the same time delivers all the car keys to the receipt list and the mortgage amount;
7.
After the mortgage expires, the lender and the borrower shall go through the formalities of repayment and mortgage cancellation, repay all the loans, and cooperate with the borrower's vehicle management office to go through the formalities of mortgage registration cancellation.
8.
After the loan expires, the mortgage will be released.
Conditions for handling automobile mortgage:
1.
The loan applicant is a citizen of China with the age of 18-65;
2.
Have a stable economic income and the ability to repay the principal and interest of loans;
3.
The borrower has a good credit record and no bad credit record;
4.
The mortgaged vehicle has legal and valid certification materials (vehicle registration certificate, etc.). );
5.
Be able to provide approval to the lending bank.
6.
Other conditions stipulated by the lending bank.
Materials prepared by automobile mortgage:
1.
Original and photocopy of the identity certificate of the mortgagee (official seal is required);
2.
Original mortgage contract;
3.
Original and photocopy of the motor vehicle owner's identity certificate (the unit vehicle is the original and photocopy of the organization code certificate, and the temporary population needs to provide a valid residence permit)
4.
Power of attorney of mortgagee and power of attorney of motor vehicle owner (stamped with official seal and cheque seal);
5.
Motor vehicle registration certificate;
6.
If it is an agent, the original and photocopy of the agent's identity certificate are also required;
7.
Fill in the Application Form for Motor Vehicle Mortgage Registration/Pledge Filing.
I have no money now and want to borrow money to buy a car. How should I apply for a full car loan from the bank?
It's not a car loan card, it's a car loan, which means buying a car by stages. You should have 30% naked cars, and the rest can go to the bank. Then you give it to the bank slowly. This is the so-called car loan