The process of car loan is:
1, fill in the loan qualification form;
2. Sign a bank loan guarantee contract;
3. A notarized application;
4. Sign the auto insurance application form and give it to the back office staff to ask the insurance company to issue an insurance policy;
5. Collect the deposit and related expenses according to the sales agreement;
6. Handle the card according to the customer's requirements, and handle the card with the original invoice, voucher and customer ID card.
legal ground
Order No.2 of China People's Bank and China Banking Regulatory Commission [2065438+07]-Article 9 of the Measures for the Administration of Automobile Loans.
The borrower applying for personal auto loan shall meet the following conditions at the same time:
(1) People's Republic of China (PRC) citizens, or Hong Kong, Macao and Taiwan residents and foreigners who have lived in People's Republic of China (PRC) for more than one year (including one year);
(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) Being able to pay the prescribed down payment;
(6) Other conditions required by the lender.
How to get a car loan?
The procedure for buying a car loan is:
1. Provide ID cards, proof of economic income and other documents and materials required by the cooperation organization;
2. Bring materials to the loan bank to apply for personal automobile mortgage;
3. The lender shall evaluate the credit rating and guarantee of the borrower, determine the loan amount, term, interest rate and repayment method, and issue the loan.
legal ground
Article 10 of the Measures for the Administration of Automobile Loans
When granting personal car loans, the lender shall comprehensively consider the following factors to determine loan conditions such as loan amount, term, interest rate and repayment method:
(a) the lender's credit rating of the borrower;
(2) loan guarantee;
(three) the performance and use of the purchased car;
(four) the development of the automobile industry and the supply and demand of the automobile market.
The process of car loan: 1. The borrower brings ID card, motor vehicle registration certificate, driving license and other materials to the bank to fill in the loan application form and submit the materials. Two, the bank to review the information submitted by the borrower. Three, professionals to evaluate the loan vehicle. Fourth, the bank determines the loan amount according to the assessed value of the car (generally speaking, the loan amount will not exceed 70% of the assessed value of the car). 5. Sign a loan contract. Clear the loan amount, loan term, loan interest rate and other related rights and interests. 6. Go through the formalities of automobile mortgage and obtain the vehicle registration certificate. 5. Bank loans.
It should be noted that at present, most car loans can only be mortgaged, not mortgaged.
How to get a car loan?
Legal analysis: car loan process: 1. Bring valid personal identity documents and vehicle driving licenses to banks or financial institutions to apply for vehicle mortgage loans; 2. Fill in the vehicle mortgage loan application form; 3. It takes about a week for the bank to review the borrower's qualification; 4. After passing the examination, go through the formalities of vehicle mortgage registration; 5. Sign loan contracts and mortgage contracts with banks; 6. Bank loans, the borrower can repay according to the contract. In most car mortgages, you can mortgage the relevant documents of your riding to a lending institution to get a loan, and the car will be used as usual after GPS is installed.
Legal basis: Article 29 of the General Principles of Loans: All loans shall be signed by the lender and the borrower. The loan contract shall stipulate the loan type, loan purpose, amount, interest rate, loan term, repayment method, rights and obligations of both borrowers and borrowers, liabilities for breach of contract and other matters that both parties think need to be agreed. The guaranteed loan shall be signed by the guarantor and the lender, or the guarantor shall specify the guarantee terms agreed with the lender in the loan contract, affix the official seal of the guarantor as a legal person, and be signed by the legal representative of the guarantor or his authorized agent. The mortgagor, pledger and lender shall sign mortgage contract and pledge contract for mortgage loan. If registration is required, it shall be registered according to law.
How to get a car loan?
Steps for handling auto loans: First, the borrower submits application materials; The borrower conducts preliminary examination of the application materials submitted by the lender, and conducts credit investigation and customer evaluation; After examination and investigation, both parties go through the formalities of signing, lending and mortgage, and the loan can be obtained after the contract comes into effect.
There are the following channels for handling auto loans: (1) Bank loans choose to buy a car through bank loans, with moderate loan interest rates and more types of cars. However, in the process of handling loans, it actually takes time and energy. In order to control risks, banks usually spend a long time reviewing and require applicants to submit a lot of information. If you want to apply and are not afraid of trouble, bank loans are a good choice;
(2) Credit card installment As we all know, credit card installment does not charge interest, which is also the biggest advantage of buying a car by credit card installment. At the same time, credit card installment is convenient and quick, and it can be done with one phone call. Sometimes banks can enjoy certain discounts when they cooperate with car dealership companies. However, it should be noted that although credit card installment does not charge interest, there is a handling fee. The higher the staging time, the higher the handling fee rate. Usually, the handling fee rate for more than one year will be the same as or slightly higher than the bank's consumer loan interest rate for the same period.
(3) An auto financing company can borrow money from an auto financing company to buy a car. In addition to being convenient and fast, the application threshold is not high. As long as consumers have a certain repayment ability and pay the down payment, they can apply for a loan. However, consumers also need to pay attention to the fact that the loan cost for auto financing companies to buy cars is usually relatively high. Generally, in addition to the loan interest fee, there are a series of fees such as handling fees. (4) The company buys a car through a small loan company loan. The threshold is not high, the choice of models is not restricted, and the rate is higher than that of banks. The loan method and repayment method are more flexible, and the approval is slightly faster than that of banks.