The buyer negotiates with the buyer, reaches a sales agreement, pays the down payment for car purchase, signs a mortgage loan contract with the bank, registers with the vehicle management department, issues license plates and goes through the registration formalities. The bank lends money to the buyer.

Second, how to buy a car with a credit card is a simple three-step process.

Buying a car with a credit card is a concern of many people. How to own your own car as soon as possible, how to buy a car with a credit card, what is the process of buying a car by stages, how to operate a credit card to buy a car and so on. I hope everyone can drive their favorite models as soon as possible. The first step is to apply for a credit card. Many banks support credit card installment loans to buy a car, but the implementation process is basically the same. 1. The official business of China Merchants Bank's credit card installment car purchase is called "Easy Car Purchase". All credit card holders can apply, but the review process is strict. Only those invited by China Merchants Bank or those with long certification time can pass the loan approval. 2. The biggest advantage of China Construction Bank's "Longka Car Installment" is that the handling fee is relatively low, such as 12 installment repayment, with the highest handling fee rate of only 3%, and some models can enjoy 0 handling fee, such as 24 installment repayment, with the highest handling fee of only 7%, which still has great advantages in other banks that handle car purchase by installment. Handle the credit card quickly, and handle the card within 24 hours at the earliest. Step 2, select the vehicle type, go through the formalities 1, and the user selects the vehicle at the designated dealer; 2. Fill in the application form and submit the application materials; 3. The bank conducts the examination and approval (the examination and approval time ranges from 40 minutes to 3 days); 4. Go through the relevant formalities at the bank after approval; Step 3: Pay the down payment to pick up the car, 1, the handling fee is low, and the expected annualized interest rate is zero: compared with bank loans to buy cars, auto finance institutions have no interest on loans to buy cars and credit cards to buy cars in installments. Of course, the so-called zero expected annualized interest rate will pay the handling fee, but for the lower handling fee, it is still a better choice than the other two loan methods. 2 Fast approval: Fast approval is also an advantage of credit card installment. Some bank credit card loans can be approved in 40 minutes at the earliest, and the longest will not exceed 3 days. Although the approval speed is fast, it is also due to some restrictions on credit card purchase. Everything has advantages and disadvantages, and the disadvantages of credit card installment will be mentioned later. 3 Cheap and affordable: Most credit card banks have credit card points activities. After buying a car, you can also redeem the corresponding bonus points at the bank, which can be described as killing two birds with one stone.