The requirements of banks are stricter. At present, the mainstream auto loan bank is the loan business of CCB. Requirements are relatively high: civil servants, teachers, doctors, or employees of large enterprises (Mengniu, Yili and the like, or well-known local enterprises). In addition, those who own CCB overdraft card or have mortgage in CCB also have certain handling conditions. Generally, it is necessary to prepare proof of work, and some also need to provide proof that the unit has paid social insurance. (Others, such as ID cards and household registration books are available, so I won't say much). The process is generally around 10 working days.
Car loan requirements are not strict, but the interest rate is higher than that of CCB, probably more than double. As long as it is handled in the local car loan department, it can provide proof of work (personal proof of bank running for 3-6 months) and proof of real estate (proof of homestead provided by village Committee or neighborhood Committee), and there is no home visit. . . You know, everyone else has it. Not much to say. There is also a condition that one of the husband and wife must have a driver's license or a student's driving invoice. If you are too young and unmarried, you usually need your parents to guarantee you, that is, fill in an extra newspaper and sign the contract with one of your parents. The general process takes 3-7 working days.
That's about it. Don't ask how long it will take to set up a 4S shop. This is not determined by 4S, but the customer's own conditions. It is irresponsible to promise you that you can do it in a few days.