First, to buy a car, you need to book a car first and then go through the loan process, and negotiate with the sales staff of 4S stores about specific preferential policies, including car price concessions, gifts or purchases of decorations, etc., which must be determined first and a car purchase contract signed. Because there are some differences between buying a car by loan and buying a car in full, you need to ask carefully during the negotiation stage. Second, submit the loan procedure information. At present, the loan procedure information can be roughly divided into two types. Loans generally require: the identity certificates of husband and wife (ID card or temporary id card), driver's license (I or my spouse, student's license, driving school license and driving school invoice), marriage certificate (marriage certificate, divorce certificate and single certificate) and real estate license (real estate license, house purchase contract/invoice, village committee homestead certificate, etc.). ) and income proof. The down payment ratio is high and relatively simple. Generally, only one ID card is needed. If you borrow from a bank, it will generally be the first information requirement, and most car manufacturers' own financial companies will generally adopt the latter simple model. Third, waiting for approval. After the loan procedures are submitted, the bank, the manufacturer's finance or the third-party finance will generally examine and approve the qualifications of the loan applicant. Approval is generally divided into online approval and offline approval. If it is approved online, it will generally call the loan applicant to ask about matters such as car purchase and personal work, and then decide whether to pass it; However, qualified applicants (such as civil servants, employees of public institutions, people with good personal credit records, etc.). ) will pass directly and automatically without contacting the customer. Offline approval is generally a home visit, and the staff of the financial company actually go to the home or work of the loan applicant but actually visit to check the specific situation. This kind of offline home visit will only be taken if the loan applicant's qualification is not very good. Fourth, pay the down payment. After the loan is approved, it is necessary to pay the down payment to the 4S shop first, then the 4S shop will issue a receipt for the down payment, and finally hand it over to the bank or financial company for the loan. 5. borrow money to pick up the car. After paying the down payment, the bank or financial company will lend the money to the 4S shop or the loan applicant himself, so that the car can be insured normally and the car can be picked up on the invoice.
2. What are the procedures for buying a car with a loan?
The procedures for buying a car by loan generally include loan application, personal identity card information, car purchase contract, income proof materials and other related materials. Loan is a kind of lending behavior, and it needs to be repaid and the corresponding interest paid at maturity. In addition, the loan to buy a car requires legal conditions.
Personal loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
legal ground
Article 667 of the Civil Code of People's Republic of China (PRC) defines a loan contract as a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 669 of the Civil Code of People's Republic of China (PRC) * * * The borrower shall provide the true information and be obliged to conclude a loan contract, and the borrower shall provide the true information about the business activities and financial status related to the loan according to the requirements of the lender.
Article 11 of the Interim Measures for the Administration of Personal Loans? Personal loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
3. What are the procedures for car loan?
1. Provide ID cards, proof of economic income and other documents and materials required by the cooperation organization;
2. Bring materials to the loan bank to apply for personal automobile mortgage;
3. The lender shall evaluate the credit rating and guarantee of the borrower, determine the loan amount, term, interest rate and repayment method, and issue the loan.