First, the bank car loan process:

1, select the product that needs car loan;

2. Apply for universal car loan packages and services on the spot according to your own situation;

3, the staff of the loan review and approval;

4. The store signed a contract to pick up the car;

Second, the application requirements:

The second-hand car loan business provided by banks has higher requirements for borrowers. Generally, borrowers are required to have a proper occupation, stable income, the ability to repay on time and good personal credit. If you can prove that you own a local property, the borrower's loan application will be more secure. Take Beijing as an example. Applicants must have Beijing hukou, ID card and permanent residence. /kloc-citizens aged 0/8 to 60; Need to have a stable job and a stable income.

The materials to be prepared for applying for a loan include: the identity card of the car buyer; Household registration book; Housing certificate; Proof of income: the monthly income must be twice the monthly repayment amount; Two recent one-inch photos. If the buyer is married, marriage certificate and spouse certificate are required.

Procedures for handling bank car loans:

1. Car buyers go to the bank outlets for consultation, and the outlets recommend the special dealers who have signed the Cooperation Agreement on Used Car Consumption Loan with the bank.

2. Go to the dealer to select the second-hand car to be purchased, and sign a car purchase agreement with the dealer to clarify the model, quantity and color.

3. Apply for a loan at a bank outlet. The necessary materials for applying for a loan at a bank outlet include: personal loan application, valid identity documents, proof of occupation and income, basic family information, car purchase agreement, supporting documents required for guarantee, and other conditions stipulated by the lender.

4. The bank will review the user's credit, notify the car buyer within 15 working days after the loan application is accepted, and sign a loan contract for second-hand car consumption with the borrower who meets the loan conditions. The maximum loan amount for second-hand car consumption does not exceed 60%~80% of the car purchase price (different banks), and the longest loan period does not exceed three to five years (different banks, taking Beijing as an example, must make a down payment of 50% for second-hand car loans, and the longest loan period is three years).

5. Sign loan and guarantee contracts. If the applicant meets the loan conditions, the bank will sign a loan contract and related guarantee contract with him. Guarantee methods and corresponding procedures:

(1). If the user provides a third-party joint and several liability guarantee (except banks and insurance companies), the guarantor signs a guarantee contract with the bank, and the insurance company can also provide a joint and several liability performance guarantee or the bank can provide a letter of guarantee.

(2) The user should sign a mortgage or pledge contract with the bank to guarantee by mortgage or pledge. If the house is mortgaged, it must be appraised and confirmed by the designated appraisal agency, and the bank and mortgagor shall go through the mortgage registration at the county real estate registration office where the house is located, and the contract will take effect after obtaining the property right certificate. If it is a pledge guarantee, the pledge contract will take effect after the title certificate is handed over to the bank.

(3) After the above procedures are completed, the bank shall issue a loan notice to the special dealer in time.

(4) If the purchased second-hand car is used as collateral, the bank shall issue a loan notice to the special dealer in time. After the purchased second-hand car is licensed, the bank shall go to the vehicle management office for mortgage registration.

6. The bank issues loans, and the user handles vehicle insurance and picks up the car. After receiving the loan notice 15 days, the special dealer will hand over the customer's car purchase invoice, payment document and driving license (copy) to the bank. After the customer goes through the formalities of property insurance, the bank issues loans. The types of insurance include: vehicle loss insurance, third party liability insurance, burglary insurance and spontaneous combustion insurance. All kinds of insurance period shall not be shorter than the loan period.

How to borrow a car loan

Auto loans are generally divided into three ways: bank auto consumption loans, auto finance company loans and credit card auto loans.

The basic process of buying a car with a bank loan is as follows:

1, the user first selects the car he needs and negotiates the price of the car;

2. To handle the loan formalities in the auto shop, you need to sign the relevant loan agreement, and at the same time, you need to provide some supporting materials required for personal auto loans;

3. The car loan applicant shall go through the loan formalities with relevant documents and supporting materials, and give the car loan applicant a loan consent after the bank has passed the examination;

4. After the car loan applicant gets the loan agreement, the car dealer will call the customer to pay the car down payment.

5. Car loan applicants can go through the formalities such as picking up the car and listing;

6. After hanging the card, the vehicle driver of the loan car should have been mortgaged in the bank first;

7. A few days after the mortgage, the bank will pay the car dealership and the loan for buying a car will be completed.

Brief introduction of automobile consumption loan:

Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.

Introduction to credit card installment shopping;

Car purchase by credit card installment is a credit card installment business launched by banking institutions. There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for buying a car by credit installment, and the bank only charges a handling fee. The handling fee rate is different in different installments. Due to the limited credit limit of general credit cards, the issuing bank will generally require the cardholder to provide proof of financial resources. The sources of funds recognized by the bank include real estate license or commercial housing sale (pre-sale) contract, purchase invoice, etc. Some banks require a credit card overdraft limit of 654.38 million to 200,000 yuan, and some banks allow cardholders with good credit to apply for credit lines to buy cars in installments.

How to handle the bank car loan?

1. It's easy to apply for a car loan at the bank. First, you need to enter customer information. At this time, you need to provide the bank flow and documents within the time. These materials will be submitted to the risk control department for review. After approval, the loan can be released.

Nowadays, many consumers choose loans to buy cars, which is still very good. In the past, when there was no car loan, you needed to save all your money to buy a car. With a car loan, if you want to save all your money, you can drive ahead and pay back the rest slowly.

Buying a car with a loan allows many consumers with little savings to enjoy the life of owning a car in advance. Buying a car with money can also increase car sales.

4. To buy a car with a loan, banks need to check their qualifications. If you have a credit history or qualifications, you can't approve it, so the bank loan.

5. After the loan is successful, it needs to be repaid on time every month. During the monthly repayment period, if it is overdue, the credit record will be kept. You can find a trailer to tow your own car in parallel.

6. The purchased car is equipped with a gps positioning system, and the bank knows the real-time location of the car. After buying a car, you should pay the monthly payment on time.

How to apply for a car loan?

1. If you apply for a personal car loan in China Bank, the borrower shall meet the following conditions:

1, a natural person with full capacity for civil conduct;

2. Effective proof of personal identity;

3. Have the legal ability to repay the loan principal and interest;

4. Good personal credit;

5. Holding a car purchase contract, agreement or letter of intent approved by the handling bank;

6. Providing collateral (pledge) recognized by the handling bank or individuals or units with sufficient compensation capacity to provide irrevocable joint liability guarantee for third parties; Or provide corresponding materials that meet the customer access conditions of the Interim Measures for the Administration of Personal Credit Revolving Loan Quota of Bank of China;

7. Proof of the down payment ability of the car purchase limit stipulated in these Measures;

8. Other conditions stipulated by the handling bank.

Two. The information submitted is as follows:

(a) loan application;

(two) the original identity card, residence booklet or other valid proof of residence, and provide a copy;

(3) Proof of professional and economic income, including but not limited to income certificate issued by the unit, bank deposit certificate, credit card statement, tax payment certificate, etc. ;

(four) the car purchase agreement, contract or letter of intent signed with the dealer;

(5) The certificates or documents required for the guarantee, including the list of mortgaged (pledged) goods, and the certificate that the person who has the right to dispose of it (including the property owner) agrees to mortgage and pledge; Certificate of ownership or use right of collateral issued by the competent department, written appraisal certificate (written appraisal of vehicle invoice price combined with market published price), and documents agreeing to insure; Pledged goods need to be delivered with pledged goods or rights certification documents; The guarantor agrees to perform the guarantee contract and relevant credit certification materials of joint and several liability guarantee; Or documents proving that they meet the conditions for credit loans;

(6) Relevant certificates that the down payment for car purchase has been paid;

(7) Other documents required by the branch.

3. As there are some differences in different regions, please consult the local institutions in detail when applying for loans.

The above contents are for your reference. Please refer to the actual business regulations.

How to get a car loan

Car loans are handled as follows:

1. The applicant chooses a car in the 4S shop, negotiates the price with the dealer, pays the down payment, and then signs a car purchase contract;

2. Go to the loan bank with the car purchase contract, ID card and real estate license, fill in the loan application form and submit the materials;

3. The bank accepts the loan application and reviews and evaluates the application;

4. Sign a loan contract with the applicant after examination and approval;

5. The applicant shall cooperate with the loan bank to complete the follow-up procedures, including mortgage registration and notarization;

6. The loan bank transfers the money to the account of the car dealer, and the applicant picks up the car in the 4S store.

Extended reading

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks provide RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal of a self-use car (non-profit family car or commercial car with 7 seats or less) purchased by the bank to the consumer, that is, the borrower. The higher the interest rate, the greater the repayment amount of consumers.

How can I borrow money to buy a car?

The basic conditions for buying a car with a loan mainly include the following:

1, aged above 18 (inclusive), is a natural person with full capacity for civil conduct.

2, a stable and legitimate source of economic income, with the ability to repay the loan principal and interest on schedule.

3. Personal credit is good, and there are no bad records or serious negative information in the credit report (banks and auto consumption finance companies will mainly inquire about the credit information of customers in the past two years).

4. There is a certain amount of self-owned funds to pay the down payment of the car (not the funds from loans, nor the funds paid by credit cards), and the down payment ratio is generally around 20% or 30% of the total car price, usually not less than 20%.

If the customer's credit is average, it is suggested to find another person with good credit to guarantee his loan, which can provide appropriate help and improve the chances of loan approval.

People with poor credit information may not be able to get a car loan in a short time. Customers are advised to buy in full or postpone the purchase, and take the time to improve their credit first.

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.

Type of automobile loan

Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.

The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.

In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.

And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.

The specific steps of buying a car by credit card in installments are roughly as follows:

1. The cardholder (or applicant) calls the bank's credit card center or goes to the local bank to find out whether he can apply for a credit card car loan.

2. The cardholder holds his ID card to the dealer's site to fill in the installment order for car purchase and submit it to the bank for review.

3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.

4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance.

5. I can finally drive away smoothly.

loan limit

The maximum loan amount generally does not exceed 80% of the price of the purchased car.

Letter of credit clause

1, with valid identification and full capacity for civil conduct;

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.