Id card, car purchase procedures, etc. Or find a car dealership to apply for a loan.

Second, the loan to buy a car process

1. Select the vehicle first and sign the car purchase agreement; 2. Prepare the following materials in advance: borrower's ID card, income certificate, driver's license, stamped bank statement or other income certificate, etc. , and apply to the lending institution; 3. Banks or third-party financial service companies that cooperate with 4S stores will review the above information; 4. After the loan is approved, you need to go to the 4S store to pay the down payment, and the store will issue a down payment receipt and hand it over to the bank or a third-party financial institution to wait for the loan; 5. When a bank or a third-party financial institution lends money to a 4S shop or the borrower himself, it can issue an invoice to pick up the car and insure it. The borrower only needs to repay the car loan on time every month according to the repayment plan. As for how long it takes to buy a car by loan, it depends on the speed of mortgage loan and whether the loan application materials are complete and correct. Basically, the vehicle can be mentioned within 3 to 5 working days after the formalities are verified. Of course, the situation handled by each 4S shop and each loan bank may be different, depending on the actual situation. Legal basis: Article 9 of the Measures for the Administration of Auto Loans The borrower applying for personal auto loans shall meet the following conditions at the same time: (1) He is a citizen of People's Republic of China (PRC), or a resident of Hong Kong, Macao and Taiwan and a foreigner who has lived in People's Republic of China (PRC) for more than 1 year (inclusive); (2) Having a valid identity document, a fixed detailed address and full capacity for civil conduct; (3) Personal legal assets with stable legal income or sufficient to repay the loan principal and interest; (4) Personal credit is good; (5) Having the ability to pay the down payment stipulated in these Measures; (6) Other conditions required by the lender.

Third, what is the process of buying a car with a loan?

When you go to the 4S shop to see the car, there will be insurance personnel to help you deal with it. Generally, it will be ok after the poor credit information is no problem. This is very simple

4. What is the auto loan process of ABC?

What is the car loan process of ABC? What problems should be paid attention to when applying for a car loan from Agricultural Bank of China? The following online small series introduces the detailed process of ABC car loan and the case of ABC car loan, so that everyone can have a deeper understanding of ABC car loan.

I. Introduction of Automobile Loan of Agricultural Bank of China

The car loans granted by the Agricultural Bank to individual customers include personal use loans and personal commercial vehicle loans. It can meet the financing needs of consumers with insufficient funds when buying a car. According to the purpose of the loan car, it is divided into self-use car loan and commercial car loan. The longest loan period is 5 years, of which the longest loan period for commercial vehicles is 3 years; The longest loan period for used cars is 3 years, and the longest loan period for used cars plus years is 6 years.

Two. Detailed loan process of automobile loan of Agricultural Bank of China

1. What kind of loan does ABC car loan belong to?

The automobile loan of Agricultural Bank of China belongs to mortgage-secured loan. Applying for a car loan from ABC requires a down payment of more than 30% and a guarantee method recognized by ABC. In addition, the purchased car must be insured with the insurance company for vehicle loss insurance, third party liability insurance and theft insurance. In the additional clauses of the policy, China Agricultural Bank is the first beneficiary. In principle, the insurance period shall not be shorter than the loan period. If the insurance period is shorter than the loan period, the renewal shall be agreed in the agreement. It is understood that the longest loan period of ABC is five years, the longest loan period of used cars is three years, and the loan period of commercial vehicles is one year less than that of used cars.

2. What is the credit line of ABC?

The maximum quotas for self-use cars and commercial vehicles are 80% and 60% respectively.

3. How to calculate the car loan interest rate of ABC?

At present, ABC's car loan interest rate applies to the central bank's benchmark interest rate.

4. What's your credit history?

Apply for a loan from AVIC and keep a good credit record. If the applicant has arrears, the bad credit records accumulated for three or six consecutive times will be directly rejected by the Agricultural Bank. In addition, the income level and credit score of the applicant shall comply with the relevant regulations of the Agricultural Bank of China.

5. Are all the application procedures ready?

To apply for a car loan from ABC, it is generally necessary to provide relevant procedures. For example, the applicant's husband and wife ID card, household registration book, income certificate, housing status, etc. If the applicant is unmarried, provide a single certificate. If the ID card is lost, it can be reissued with temporary id card or household registration certificate. The income certificate must be stamped with the official seal of the unit. If the applicant is an individual industrial and commercial household, a business license shall be provided. Regarding the housing situation, if the borrower works outside the registered permanent residence, in addition to the residence certificate of the registered permanent residence, the borrower also needs to issue the residence certificate of the work unit.

These are all problems that should be paid attention to in the process of handling car loans by Agricultural Bank of China. When applying, the applicant will fill in the personal loan application form, mortgage consent and other documents.

Finally, enter the formal process of handling ABC car loans.

Customers generally apply the mode of "borrowing before registering". What is "borrowing before registering"? That is, under the premise that the automobile dealer agrees to bear joint and several liability by stages and ensure all the information (car purchase invoice, purchase tax invoice, etc.). ).) After the vehicle purchase and vehicle registration procedures can be handled, the borrower first obtains a loan from the Agricultural Bank of China, and then handles the new vehicle registration procedures.

1. The customer applies to AVIC and submits relevant materials;

2. China Agricultural Bank conducts investigation, review and approval;

3. ABC signed a loan contract with the borrower;

4. The borrower goes through insurance, notarization, guarantee and other procedures, waiting for the loan from ABC.

Three, the Agricultural Bank of China automobile loan case.

With a stable house and a stable life, Anne has a desire to own a private car. Every day at work, Anne and her husband have to squeeze the subway with the crowd, and they are often too tired to move when they come back from work. Traveling with friends and visiting the suburbs on weekends, Annie can only hitch a ride with her friends. Besides, Annie also wants to have a baby. If she is pregnant, she will have to squeeze the subway every day, and Anne feels a little anxious.

Annie wants to buy a family car worth about 6.5438+0.2 million yuan, but despite this desire, she and her husband just bought a house and have no more savings to buy a car. Anne shared this idea with friends around her, and then she found that many friends who have cars don't buy cars in full, and many people apply for cars with loan tools.

For example, a friend who often goes out for an outing with Annie directly applied for a "personal car loan" from the Agricultural Bank of China. The loan period is five years, and the application process is relatively simple, as long as she has a good credit record, income certificate and guarantee. My friend also suggested to Annie that if you think that the repayment period of "personal car loan" is short, and the financial pressure of buying a house is great now, you might as well discuss it with your parents, take the old man's property as collateral and apply to China Agricultural Bank for "supporting the elderly with a house". Choose the repayment method that suits you, so that the loan term will reach 10 year, and the monthly repayment will be reduced accordingly. Besides, Anne can get a loan to buy a car, which will give her more choices.

However, Anne has just moved into a new house, and her parents have been trying to save money for years. At this time, in order to buy a car, Anne felt that it was inappropriate to ask the old man to mortgage the house. Anne consulted the personal credit department of Agricultural Bank of China and told the staff about her needs and doubts. According to Anne's requirements and family income, Agricultural Bank recommended the most suitable tool for Anne: "Borrow and return".

Anne and her husband both have stable jobs and high average incomes. For customers with good qualifications and credit records and stable wage income, the "paid loan" of China Agricultural Bank can provide the bank with verifiable proof of stable wage income sources, and generally can apply for a loan with a term of three years and a maximum amount of 2 million yuan.

This way of credit is very practical for Annie. She and her husband got the income certificate from the company and handed it to the Agricultural Bank of China. She also decided to use part of her personal savings to apply for a "pay-as-you-go loan" from the Agricultural Bank of China, leaving 654.38 million yuan, so that the monthly repayment pressure is not great. After the loan is approved, you can take the car directly in cash.

Two months later, Anne got in her car, and the journey of working with her husband no longer felt so long and difficult. The loan from the Agricultural Bank helped Anne live in a house and drive a car. Annie said that as long as they work hard, urbanites can rationally choose their own life and consumption patterns. Reasonable use of loans can help wage earners live a satisfactory life faster and more easily.

Million car purchase subsidy