1, go to the 4s shop to buy a car.
2. After choosing, go to the bank to buy a car by credit card installment.
3. After successful processing, you can swipe your card at the 4s shop. When applying for buying a car by installment with a credit card, you need to bring personal data and other materials to the bank, and the bank will review them according to the materials.
1. The general process of buying a car with a credit card loan is as follows:
First, the applicant submits the car loan materials to the applicant bank, and the bank reviews and scores the applicant's qualifications and submitted materials.
Second, after examination, the bank thinks that the materials are true and reliable, agrees with the applicant's loan requirements, and informs the applicant to sign a loan contract and go through the relevant mortgage registration procedures.
Third, after all the formalities are completed, the bank will issue loans. Require the applicant to repay the loan on time every month.
Two, car loans with credit card repayment need to pay attention to the following points:
(1) Credit card can't pay the car down payment;
(2) There is a one-time handling fee for credit card car purchase, which needs to be paid at the first repayment;
(3) If the buyer pays the money in advance, the one-time handling fee will not be refunded.
Third, the credit card loan car purchase mode
Car buyers can choose two modes,
(1) Select the car to be purchased at the bank's special dealer, sign a car purchase contract or agreement with the dealer, and then apply for a loan through the dealer;
(2) Car buyers directly apply for loans at bank outlets. After the guarantee procedures are implemented, car buyers can choose dealers to buy their own satisfactory vehicles.
Four, the necessary information to apply for a loan:
Loan application, valid identity certificate, occupation and income certificate, basic family information, certificates or documents required for guarantee, car purchase contract or agreement and other conditions required by the lender when applying for a loan through the dealer.
Five, credit card loans to buy a car process
1, the cardholder chooses his favorite car and meets the conditions for credit card application;
2. The cardholder applies for credit card installment payment by telephone;
3, bank staff to review the borrower's application;
4. After approval, sign a loan agreement with the borrower;
5. The bank transfers the money to the car dealer's account;
6. The cardholder shall go through the formalities of automobile mortgage registration;
7. The cardholder uses the car.
legal ground
General rules for loan management of Agricultural Bank of China
Article 11 Conditions for granting loans. In addition to meeting the conditions stipulated in Article 10, the following conditions must also be met when issuing working capital loans:
1. Provide the loan purpose plan, the loan purpose conforms to the regulations, and there are applicable and marketable materials;
Two, signed a loan contract that meets the legal requirements (including the loan contract, the same below);
Three, whether the use of production and operation funds is reasonable, or unreasonable use of funds, the implementation of practical measures to improve the use of;
4. The unreasonable occupation of the loan has been corrected, or feasible corrective measures have been formulated;
Five, its own funds below the prescribed proportion has been supplemented. Or a feasible supplementary scheme is implemented.
Loans for fixed assets shall also meet the following conditions:
First, the loan project has completed the preparatory work for construction;
Two, deposit a specified proportion of loan funds in the bank;
Three, the loan project approved by the competent authorities issued a notice of commencement;
Four, signed a loan contract that meets the legal requirements;
Five, the implementation of the project completed and put into production required for its own liquidity.
No unit or individual may force banks to issue loans or reduce loan conditions.