Consumers should first choose an automobile dealer who has the loan qualification and can undertake the truck consumption credit business, and then submit the original and photocopy of the consumer's ID card, household registration book, marriage certificate (certificate or relevant residence certificate) and other documents to him. After receiving these certificates, the general dealer will go to the bank to investigate whether the loan is good or not, which will take about 15 working days. The preliminary preparation work is very simple. As long as the consumer pays the first order to the manufacturer, the consumer can prepare the new car and then take it away. According to the Measures for the Administration of Automobile Loans jointly promulgated by the People's Bank of China and the China Banking Regulatory Commission, individual automobile loans include commercial vehicles, and the maximum loan amount is 70%. Therefore, car dealers handle the car loan at 30% of the total price. In principle, the down payment must be paid to the dealer in cash, and the house mortgage is not allowed. The amount of the deposit is generally 10% of the car price, which will be returned by the owner.

Second, how to buy a truck with a loan?

First, the loan to buy a truck:

1. First, you should choose an automobile dealer who has the loan qualification and can undertake the truck consumption credit business, and then submit the original and photocopy of the consumer's ID card, household registration book, marriage certificate (if married), income certificate, real estate license or relevant residence certificate. After receiving these certificates, the general dealer will go to the bank to investigate the credit history of the loan applicant. After confirming the good credit, you can formally enter the vehicle loan procedure. The whole process is generally about 15 working days.

2. After the preparatory work is completed, the next work is relatively simple. As long as consumers pay down payment and deposit, dealers can place orders with production enterprises. After the order is completed, consumers can license the new car and apply for insurance. After all the formalities are completed, the car can be driven away.

Third, how to apply for a loan to buy a truck?

Look at your credit status. It is best to choose a bank loan. First, the interest rate is relatively low. Second, it is safe and reliable to prevent being cheated. You can also borrow from a guarantee company, with a general down payment of 30%. Other expenses: surcharge, insurance, guarantee, agency, audit, connection, GPS, 6%- 10% penalty, settlement, operation certificate, etc. You can also contact the manufacturer directly to see if the manufacturer provides this kind of loan service.

4. What are the procedures for handling truck loans?

Now not only family cars can apply for loans, but also trucks can apply for loans. Today, I will introduce the process of handling truck loans for friends who need loans. 1. When choosing truck dealers, it is best to choose those dealers who have deep loan qualifications and can accept truck consumer credit business; 2. Assess your repayment ability, choose a model that suits you, and apply for a loan from the truck dealer to buy a car; 3. Submit the materials required by the dealer (ID card, household registration book, marriage certificate (if married), income certificate, real estate license or original and photocopy of relevant residence certificate); 4. After obtaining the information submitted by the applicant, the dealer will go to the bank to investigate the credit record of the loan applicant; 5. After passing the credit review, you can sign a purchase contract with the dealer; 6. Pay the down payment and deposit as agreed in the contract; 7. After you pay the down payment and deposit, you can apply for the licensing and insurance of the new car. After all the formalities are completed, they can take the car away.