1. Car buyers go to the banking outlets for consultation, and the outlets recommend special dealers who have signed the Cooperation Agreement on Second-hand Automobile Consumption Loans with the banks.
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, color, etc.
3. To 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, occupation and income certificates, basic family status, car purchase agreement, supporting documents required for guarantee, and other conditions stipulated by the lender.
4. The bank shall review the credit of users, and notify the car buyers within 15 working days after the loan application is accepted, and sign the Loan Contract for Second-hand Automobile Consumption with the borrowers who meet the loan conditions. The maximum loan amount for second-hand automobile consumption shall not exceed 6%~8% of the purchase price (different banks), and the longest loan period shall not exceed three to five years (different banks, taking Beijing as an example, second-hand automobile loans must be down paid by 5%, and the longest loan period is three years).
1. The operating company fills in the Inquiry Form of Motor Vehicle Theft and Robbery, sends the vehicle to the vehicle inspection station in the market to check the steel numbers of the vehicle engine and frame, and tests the vehicle performance and emission status, which is signed and sealed by the police officers on site;
2. The operating company fills in the Power of Attorney for Appraisal and Valuation, submits it to the on-site vehicle appraisal and valuation station for appraisal and valuation, and issues the Appraisal and Valuation Conclusion;
3. The market accreditation department will comprehensively review the third page of Appraisal and Appraisal Conclusion, the fourth part of Vehicle Inspection Form (excluding private motorcycles), the used motor vehicle sales contract, the transaction invoice issued by the operating company and other required materials, and issue the Shanghai Used Motor Vehicle Trading Market Circulation Certificate, which will be registered in a unified form;
4. The operating company shall make a unified settlement with the market charging office;
5. The materials required for the transaction shall be verified by the on-site industrial and commercial personnel, and the industrial and commercial verification stamp shall be affixed on the Circulation Certificate, the transaction invoice and the Transfer Approval Form respectively;
6. the personnel of the market accreditation department shall uniformly handle the transfer procedures of vehicle files and certificates to the resident agencies of the public security vehicle management office.