1, in our daily life, the car is a very convenient means of transportation, but few people can buy a car in full at one time because young people have just stepped out of society. There are not many deposits, and car loans will be an option for many young people at this time.
2. If you want to apply for an auto loan from a bank or auto loan institution, then the bank or auto loan institution will ask you to fill in the corresponding application form, and then you will be asked to submit the corresponding materials as required, such as ID card, income certificate, household registration book and other relevant documents; After approval, a loan contract and a guarantee contract can be signed. If necessary, relevant notarization and mortgage formalities can be handled; The bank agrees to issue the loan in the way agreed in the contract and transfer it to the dealer or individual account. After completing the above steps, it means that the user has completed the handling of the car loan.
3. After completing the car loan, the lender needs to repay the loan every month according to the regulations. After the car loan is paid off, he can get the settlement voucher and mortgage voucher from the bank, and finally take the corresponding information to the vehicle management office for settlement.
4. In a series of interest-free activities of some bad car loan institutions, there is often a trap of bundling consumption, such as forcing car owners to buy insurance, installation and decoration, interior decoration and film pasting in our store. , and charge a handling fee and service fee. We need to avoid falling into this trap. After the loan, it must be repaid on time every month. If the car loan is overdue for more than 3 months, the overdue record can be entered into the credit information system. If the circumstances are serious, the defendant may bring a lawsuit to the court and have the right to tow the vehicle away and pay off the income by court auction.
The advantage of buying a car by loan is that consumers can choose a lot of space, no matter what brand or model they buy, they can apply for bank loans, and the repayment method of bank loans is more flexible. At present, the bank car loan interest rate is the benchmark interest rate of the People's Bank of China, which is generally lower than the loan interest rate of auto financing companies, and it can enjoy the price reduction concessions and a series of welfare policies of auto dealers. Generally speaking, 4s shop assistants will recommend you to borrow money to buy a car, because they can get more commission.