The processing flow of personal automobile consumption loan is as follows: \x0d\ 1. Customers go to bank outlets for consultation, and outlets recommend special dealers who sign cooperation agreements on automobile consumption loans; \x0d\2。 Go to the dealer to choose the car to buy and sign a car purchase contract or agreement with the dealer; \x0d\3。 To apply for a loan at a bank outlet, the required materials are: \x0d\① Personal: loan application form; Valid identity documents; Occupation and income certificate and basic family information (single divorced people can go to the local civil affairs bureau to open a single certificate); Car purchase contract or agreement; Certificates or documents required for the guarantee; Other conditions stipulated by the lender. \x0d\② Legal person: loan application; Business license of enterprise legal person or business license of enterprise legal person; The legal representative and his supporting documents; A loan certificate issued by the People's Bank of China; The financial report of the previous year and the balance sheet, income statement and cash flow statement of the previous month audited by the accounting (auditing) firm; List of mortgaged property and pledged property, and proof of consent to mortgage and pledge. The mortgaged property must also submit the certificate of ownership or use right, appraisal and insurance documents, and the pledged property must also provide the certificate of right and the certificate that the guarantor agrees to guarantee; Other conditions stipulated by the lender. \x0d\4。 The borrower shall take full responsibility for the authenticity and legality of the materials provided. \x0d\5。 After accepting loan applications, banks have the right to investigate the credit status of borrowers and guarantors. If the loan conditions are not met, the bank will notify the borrower within 15 working days after accepting the loan application; For those who meet the loan conditions, the bank will put forward specific opinions such as loan amount, term and interest rate, promptly notify the borrower to go through the loan guarantee procedures, and sign the Automobile Consumption Loan Contract. \x0d\6。 The borrower shall handle collateral insurance in the insurance company designated by the bank, and indicate in the insurance policy that the first beneficiary is China Construction Bank, and the insurance period shall not be shorter than the loan period. \x0d\7。 The bank issues a notice of automobile consumption loan to the dealer, and the borrower also pays the dealer the down payment for car purchase. 8. After receiving the notice of automobile consumption loan and the receipt voucher, the dealer shall assist the borrower to go through the formalities of payment and license obtaining in the relevant departments, and directly hand over the purchase invoice, the original payment voucher and the copy of the driving license to CCB. \x0d\9。 If the borrower takes the purchased car as collateral, its insurance policy, car purchase invoice and other documents shall be kept by CCB during the loan period. During the contract period, the bank has the right to supervise the borrower's income and collateral, and supervise the guarantor's reputation and compensatory ability, and the borrower and guarantor should provide assistance.