1. After the car buyer plans to buy a car, he will go to the bank's business outlets for consultation, and the bank will recommend the used car dealer who cooperates with the bank to the car buyer.

2. The car buyer chooses the second-hand car to be purchased at the dealer and signs a car purchase agreement.

3. Car buyers bring relevant information to bank outlets to apply for loans.

4. Banks will generally review the information provided by car buyers within 15 working days.

5. The bank signs a loan contract and a corresponding guarantee contract with the borrower who meets the loan conditions, defines the guarantee method, and goes through the relevant formalities.

6, bank loans, car buyers to deal with the corresponding car insurance.

7. Car buyers pick up the car.

(Or go directly to the second-hand car dealer for consultation, submit the submitted materials to the chain stores for preliminary examination, pay down payment, select models, sign a car purchase contract with the dealer, and handle insurance, etc. ).

Staging conditions of used car loans

1. To apply for a used car loan by installment, it is a prerequisite to have an ID card and a fixed property in the local area. Identity cards must meet the age requirements, generally citizens aged 20 to 60. And must have a stable career and income, good personal credit, so as to ensure the ability to repay the principal and interest on time. Other conditions stipulated by the cooperation organization.

2. Information and documents needed for loan to buy a second-hand car: ID card, household registration book, residence certificate and income or labor certificate of the car buyer; Proof of the relationship between the loan purchaser and his spouse; Two recent one-inch photos.