The materials required to apply for a loan include: car buyer's ID card, household registration book, housing certificate, income certificate (monthly income must be twice the monthly repayment amount), two one-inch recent photos, car buyer's marriage certificate and spouse certificate (if married).

Used car loan process:

Submit relevant materials to the brokerage company for preliminary examination;

Pay a down payment;

Select a used car to buy;

Sign a car purchase contract with the dealer and insure the vehicle (generally requiring reinsurance of used cars);

The bank accepts the loan application and decides whether to approve it or not;

Handle vehicle-related formalities and deliver the vehicle.

National laws and regulations limit: the maximum loan amount does not exceed 50% of the purchased car price.

2. What are the second-hand car loan processes?

The second-hand car loan process can be divided into the following steps:

1. Car buyers go to the bank's business outlets for consultation, and the outlets recommend 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 shall review the user's credit, notify the car buyer within fifteen working days after accepting the loan application, 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.

Third, is buying a used car the first loan or the first transfer?

Generally, loans are made first, and then transfers are made.

A car loan needs to meet the following conditions:

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

2. Can provide fixed and detailed proof of address.

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.

Second, the process of loan to buy a car:

1. Lead customers to choose cars at the bank's special dealers and sign car purchase agreements or contracts.

2. The borrower applies to the loan bank for personal automobile mortgage.

3. Sign the contract after investigation and consent.

4. Go through the formalities of notarization and mortgage of automobiles.

5. Lenders handle loans.

6. After the loan is paid off, the lender cancels the pledge certificate and returns it to the customer.

4. What is the process for buying a used car loan?

This is the auto loan from China Construction Bank. Please refer to the basic terms of 1. Loan target: 18 years old or above, full loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the purchase price; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle, of which the loan amount of the commercial vehicle shall not exceed 60% of the price of the purchased vehicle; If the purchased vehicle is a second-hand car, 50% of the loan amount, loan amount: if the purchased vehicle is a self-use car, the loan period shall not exceed 5 years; The purchased vehicle is a commercial vehicle or a used car, and the loan period is no more than 3 years; 4. Loan interest rate: subject to the loan interest rate regulations of China Construction Bank; 5. Guarantee method: To apply for personal car loan, the borrower must provide certain guarantee measures, including pledge and guarantee from the loan buyer. Performance guarantee insurance can also be used. 6. Application materials to be provided: (1) "Two (2) valid personal identification documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided; (3) proof of household registration or long-term residence; (4) provide proof of family income or property; (5) proof of intent to buy a car issued by the car dealer; (7) If there is a guarantee, provide the guarantee certificate, the ownership and evaluation certificate of the mortgaged real estate, and the letter of intent of the third party guarantee, etc. ; (8) Proof that the vehicle purchased by loan can be legally used for operation, such as the affiliation agreement and lease agreement of the vehicle to the transport fleet; (9) The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to purchase a car and a vehicle evaluation report issued by an evaluation agency recognized by the Construction Bank; Certificate of ownership of trading vehicles, motor vehicle registration certificate, vehicle annual inspection certificate, etc. Processing channels and processes 1. Handling channels: handle personal auto loan business through branches of China Construction Bank, and handle personal auto loan business at the Ministry Auto Finance Service Center, which is also an auto agency. 2. Processing flow: ① The borrower submits the application materials; (2) The handling bank conducts a preliminary examination of the application materials submitted by the borrower and makes a loan; (3) Examining and approving loan applications that meet the loan conditions through preliminary examination and credit investigation; (4) If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If the approval is not passed, the borrower must be told that the handling bank will issue loans. Special loan method is adopted, that is, the loan is transferred to the dealer account where the borrower buys the car. Refer to the kitten's, hehe