With the continuous improvement of living standards, no matter in Chengdu or in which city, more and more people begin to choose their own cars. When we can't pay off all the money at once, we often choose loans to ease our financial pressure. First of all, the most important thing for us is to know what automobile consumption credit is. In short, automobile consumption credit is a RMB-guaranteed loan issued to borrowers who apply for car purchase. It is a guarantee loan provided by banks and car dealers to the car buyers for one-time payment, and insurance companies provide corresponding credit insurance for car buyers. The loan period for buying a car is three years, but it cannot exceed five years. Then let's take a look at the process of handling car loan in Chengdu: (1) The customer submits a mortgage application to the car dealer. (2) The guarantee company requires customers to prepare personal data according to relevant regulations, mainly including copies of ID card, income certificate, marriage certificate and residence certificate (household registration book or temporary residence permit, etc.). ), real estate license, driver's license, etc. (3) If the owner is an employee of a state-owned enterprise, a copy of the work permit is also required. If the owner is an individual and private household, a copy of business license, tax registration certificate, organization code certificate and other relevant documents is required. However, you also need a guarantor with a Chengdu account. (4) After the materials are fully prepared, the guarantee company will make a door-to-door investigation and report it to the bank after confirming that the situation is true. Finally, banks sign loan contracts with customers. (5) Buying a car by loan involves auto insurance. If you buy a car by mortgage from a guarantee company, you should not only buy third-party liability insurance, but also buy auto insurance, car damage insurance and special insurance without deductible. The main expenses of personal automobile mortgage include insurance premium, guarantee fee, expected annualized interest rate of bank loan, vehicle inspection and licensing fee, vehicle purchase surcharge, etc. At the same time, we are also more concerned about the monthly repayment. Car dealers generally use the equal monthly repayment method, and the calculation formula is: monthly repayment amount = expected annualized interest rate of loan principal/loan period of loan car purchase.
2. What should automobile mortgage do?
1. Chengdu personal car mortgage application materials:
(1) Original and photocopy of ID card, residence booklet or other valid proof of residence;
(2) proof;
(3) car purchase intention;
(4) Other materials required by banks or lending institutions.
Second, the process of personal car mortgage in Chengdu: The process of applying for a mortgage loan for personal car mortgage is as follows: If it is a family car, the owner only needs to drive his own car, carrying the motor vehicle registration certificate, the motor vehicle driving license at the annual inspection, the road maintenance fee within the validity period, the original car purchase invoice, the additional tax certificate for vehicle purchase and the owner's ID card.
Three. Personal vehicle mortgage loan in Chengdu:
1. Because the mortgage in automobile mortgage is mostly risk-free, GPS positioning system is usually installed on the mortgaged vehicle to understand its usage dynamics. However, due to the installation of GPS positioning system, the cost will be higher, and the installation fee will generally be borne by the borrower himself.
2. Cars are consumables, which depreciate rapidly and are only suitable for short-term loans. The loan period is only about one year. If the borrower has a long-term demand for funds, don't choose car mortgage.
3. Because of the high risk in automobile mortgage, banks generally don't accept automobile mortgage, and borrowers can only borrow through local private lending institutions. When choosing a lending institution, the borrower had better go through a formal lending institution to avoid being cheated and suffering greater losses.
Third, how to apply for a car loan in Chengdu
There are three ways to buy a car through family finance and Chengdu loan:
1. Bank car loan
Many banks have introduced the corresponding loan varieties of automobile mortgage loans, and for car buyers, the choice is still relatively large. However, it is suggested that it is best to choose a bank that cooperates with car dealers to handle loans. Of course, the biggest advantage of choosing a bank loan is that the loan interest rate is low and there are no other related expenses. Disadvantages are cumbersome procedures, complicated processes and long time to approve loans.
2. Buy a car by installment with a credit card
Buying a car by installment with a credit card is quite popular in recent years. Although I still have to run the bank, the processing speed is much faster. If you choose to buy a car by credit card, you can even enjoy a car purchase activity with zero down payment and zero interest rate during the activity, and the cost is naturally cost-effective. However, the corresponding limitation is that there are fewer car models to choose from, and the handling fee is also essential.
3. Auto financing loans
At present, many 4S stores have cooperative relations with auto financing companies, and the process of handling auto financing loans is faster, and the car can be picked up as soon as the day. However, the cost is similar to that of buying a car by credit card in installments, and car brands can only choose those related to auto finance companies. For example, if you apply for a loan from Volkswagen Finance Company, you can only choose the corresponding model under the Volkswagen brand.
Fourth, how to get a Chengdu license?
1/8
First of all, if you are not a local hukou in Chengdu, you need to apply for a residence permit first. You need to register with the local police station for six months before you can apply for a residence permit.
2/8
After you have a residence permit, you can apply to transfer to the above 12 123 and wait for the online settlement.
3/8
After the transfer application is passed, you can pre-select the number plate at 12 123 (the foreign number may not receive the SMS verification code normally), or you can wait until now to choose the number at home and choose 1.
4/8
Take the motor vehicle registration certificate, driving license, compulsory insurance policy, ID card and residence permit to find the nearest motor vehicle testing station for exhaust gas testing. First, someone will check whether your car is consistent with the license plate. Then you need to go to the lobby and tell the counter staff that you want to transfer the registration. The staff will print a list for you to sign and pay (it seems to be 200 yuan, I can't remember clearly). Then you wait in line with the exhaust gas test list. After the test, you can leave the test station for the next step.
5/8
After the exhaust gas detection, you can enter the house. Non-imported cars can only go to the second-hand car market when they transfer to Chengdu, so find the nearest second-hand car market to queue up for the staff to dismantle the old license plates, check the cars (reflective clothes and tripods are needed) and take photos. This step is the same as the new car door-to-door process.
6/8
After the vehicle is inspected, go to the staff at the counter in the service hall to explain your purpose, and give the old license plate to the staff. t a will print a list for you, sign it and pay the money (I don't know how much it costs, but it's not much anyway). ta will give you a list similar to the bank number, and then you can choose the license plate on the machine and wait with the list.
7/8
Waiting with the number sheet, waiting for the staff to make new driving license and license plate, probably waiting for more than half an hour. After you get the license plate and driving license, someone outside will install the license plate for you.
8/8
I went to the Washington Motor Vehicle Inspection Station and the pastoral used car market. These two places can also be handled on Saturday. I suggest going early in the morning, so there will be fewer people, and most days will be the whole journey. The above is the overall practice process. I wish those in need can learn from this process and complete the transfer smoothly without detours!
Matters needing attention
You must have a residence permit or Chengdu hukou to transfer to other places.
The transfer file does not need to go back to the original vehicle registration place, but can be operated directly on 12 123.