You don't have to worry about that. As long as you look at the model, someone in the 4s shop will help you complete the loan business and tell you what materials to use.

2. Should I apply for a car loan in a 4s shop or go to the bank?

Just go to the bank to apply for the car loan certificate, income certificate, residence certificate and car purchase contract. Its loan interest rate is also relatively low, and there will be no additional procedures. Banks have strict requirements on the verification of borrowers' income, collateral and other assets, so if the comprehensive qualifications are not enough, it is likely that banks will refuse to lend.

4s shop loans do not need guarantees and accounts, and their thresholds are much lower than those of banks, and the procedures are relatively simple. However, its loan interest will be much higher, and there may be additional handling fees.

In addition, there are no restrictions on the types of vehicles that banks can borrow, while 4s stores only provide loan services for their models.

As for whether buying a car is a store loan, these two loan methods have their own advantages and disadvantages, and borrowers can decide the loan method according to their own needs.

Personal loan car purchase business is divided into direct passenger type and direct passenger type. The direct customer type is generally a bank car loan that allows customers to meet directly, and the indirect customer type is generally an auto finance company that transfers auto finance companies to customers.

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.

The car loan of an individual auto financing company needs to bear the supervision fee, fleet management fee and warranty renewal deposit.

Installment car loan only provides installment payment for bank credit card users, and not all conditions can be handled, which is very difficult for credit card users with credit records.

Details of credit card installment purchase

1. The cardholder (or applicant) calls the credit card center of the bank or goes to the local bank to find out whether it can be done.

2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it.

3. When people pay the down payment, they go through the normal car purchase procedures.

4. After the vehicle is licensed, the cardholder needs to apply to the bank for auto insurance protection.

Finally, I can drive the car 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. has a valid principal.

2. Can provide a fixed and detailed address certificate;

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

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.

Application material

1. Original ID card, household registration book or other valid proof of residence, and provide its copy;

2. Proof of occupation and economic income, and running list of personal accounts in recent 6 months;

3 car purchase agreement, contract or letter of intent signed with the dealer;

4. Other documents required by the cooperation agency.

Third, the complete process of 4s shop mortgage to pick up the car?

The following is the process of picking up the car in the 4S shop:

1. negotiate the specific car price with the dealer before signing the car purchase contract. When we sign a car purchase contract, we must first look at whether the above information is consistent, such as vehicle configuration, color, discount and so on.

2. Submit ID card, household registration certificate, marriage certificate, work certificate, income certificate, personal credit report, vehicle registration certificate, driving license, car purchase invoice, insurance policy, purchase tax book, vehicle mortgage certificate, etc. Please consult the bank or car loan company for details first;

3. Waiting for approval, the approval time is generally 2-3 working days;

4. After the approval, we need to pay the down payment at the 4s store, and then go to the bank to wait for the loan with the down payment receipt issued by the 4s store;

5. borrow money to pick up the car. At that time, a staff member will inform you to pick up the car at the designated place.

What are the requirements for 4.4S shops to buy cars by stages?

1.4S How to buy a car by installment?

1. Car consultation and application: Car dealers will conduct preliminary qualification examination on the applicant's loan to buy a car and sign their opinions.

2, the car dealer to review the qualifications of the applicant, the bank trial.

3. After the approval, the dealer signs a car purchase contract with the applicant, notifies the customer to pay the down payment for the car purchase, handles the bank account and bank credit card for the customer, and the customer fills in the vehicle acceptance handover form.

4. Handle mortgage, notarization, insurance and other related procedures.

5. Waiting for a bank loan.

2. The preconditions for buying a car by stages are as follows:

1, over 18 years old and under 60 years old.

2. Residents with permanent residence in the local area have permanent residence in the local area.

3, have the ability to repay the loan principal and interest, stable income, monthly payment does not exceed 60% of the total disposable family.

4. A one-card account has been opened.

The guarantee must be provided by a third party, but the husband and wife can't guarantee each other.

6. During the loan period, the insurance company recognized by the bank must insure the motor vehicle consumption loan guarantee insurance in one lump sum and continuously insure the motor vehicle insurance.

7. Other conditions stipulated by the bank.

Extended data:

Information required for car purchase by installment:

1. ID _ Hukou Book

2. Loan application form

3. Housing certificate

4. Personal income certificate

5. Guarantor ID Card _ Hukou Book (all documents must be original and two copies)