1. What is the process of applying for individual car loan

and the loan application method;

Then, the 4S shop conducts a preliminary review of the loan qualification of the car buyer and signs an opinion;

Thirdly, the 4S shop rechecks the loan qualification of car buyers and conducts the preliminary examination by banks;

fourthly, after passing the examination, the 4S shop signs a car purchase contract with the car buyer, and the car buyer pays the bank account;

Fifth, mortgage, notarization and insurance

Sixth, bank lending;

seventh, the car buyer picks up the car.

Of course, different 4S stores choose different banks, so

2. What is the process of handling auto loans

The process of loan mortgage is generally as follows: 1. Acceptance and preliminary investigation of auto loan business. The bank (or guarantee company) should conduct a preliminary examination of the loan application and application materials submitted by the auto loan applicant, mainly examining the subject qualification of the loan applicant and the completeness and standardization of the materials submitted by the loan applicant. After the preliminary examination meets the requirements, the agent shall submit the loan application form and application materials to the pre-loan investigator for pre-loan investigation. The preliminary investigation of car loan is mainly to verify whether the relevant materials of the car loan applicant are true, complete, legal and effective, and to investigate the repayment ability, repayment willingness, authenticity of car purchase behavior and loan guarantee of the car loan applicant. The investigation in the early stage of car loan mainly focuses on the following points: ① Whether the materials provided by the car loan applicant are true (such as household registration, real estate license, work unit and income certificate); ② Investigation on the financial situation and loan purpose of the car loan applicant. Attention should be paid to the investigation in the early stage of car loan acceptance. After the investigation is completed, the investigation results should be sorted out and analyzed, and clear opinions on whether to agree to the loan and suggestions on loan amount, loan term, expected annualized interest rate of the loan, guarantee method, repayment method and transfer method should be put forward, and investigation opinions on the repayment ability, repayment willingness, guarantee situation and other conditions of the car loan applicant should be formed and sent to the loan auditor for loan review together with application materials. Second, the bank's review and approval of the car loan application 1. The car loan reviewer is responsible for reviewing the compliance of the materials submitted by the car loan applicant, and reviewing the application materials such as interview records submitted by the pre-loan investigator and the completeness of the pre-loan investigation. After the loan reviewer has completed the review, he shall put forward written review opinions on whether the investigation opinions and loan suggestions put forward by the investigator before the loan are reasonable and compliant, and submit them to the loan approver for approval together with the application materials and interview records. 2. Car Loan Approval The loan approver reviews the compliance, feasibility and economy of each individual car loan from the bank's interests according to the bank's personal car loan payment method and relevant regulations, combined with the national macro-control policies, and analyzes the expected annualized expected income and risk that this business will bring to the bank according to the borrower's repayment ability and the adequacy and feasibility of mortgage guarantee. The loan approver shall sign the approval opinions according to the review, and if the loan is not approved, the reasons for refusal shall be stated; If the materials need to be supplemented before approval, the name and content of the materials that need to be supplemented shall be specified in detail; For those who agree or conditionally agree to the loan, if the loan conditions are inconsistent with the contents of the loan plan submitted for approval, clear adjustment opinions should be put forward. After the loan approver signs the approval opinions, he shall return the approval form together with relevant materials to the business department. III. Signing of Car Loan Contract and Loan Issuance 1. Signing of Car Loan Contract For the loan that has been approved, the applicant for car loan and other relevant persons (including mortgagor and pledger) shall be informed in time to confirm the signing time and sign the "Personal Car Loan Loan Contract" and related guarantee contracts. The process is as follows: (1) Fill in the contract; (2) Review the contract; (3) Sign the contract; (2) Release the loan; (1) Implement the loan release conditions: Before the loan is released, the relevant loan release conditions should be implemented. (2) Loan issuance IV. File management after handling car loan business Post-loan and file management of personal car loan refers to the management of related matters from loan issuance to termination of car loan contract, including loan recovery, contract change, post-loan inspection, non-performing loan management and post-loan file management. 1. Recovery of the loan The recovery of the loan refers to the timely and full repayment of the loan principal and interest by the car loan applicant according to the repayment plan and repayment method agreed in the car loan contract. There are two ways to pay loans: entrusted deduction and counter repayment. The borrower can choose a repayment method in the contract, or change it within the loan period according to the specific situation. The principle of loan recovery is to collect interest first, then the principal, all of which are due, and the interests will be paid off with the principal. 2. Contract change (1) prepayment (2) adjustment of time limit (3) change of repayment method There are many repayment methods for personal car loans, among which three are commonly used: equal principal and interest repayment method, average capital repayment method and one-time repayment of principal and interest at maturity. (4) Alteration and dissolution of loan contract 3. Post-loan inspection is a process of continuously tracking, investigating, analyzing the factors affecting the quality of personal auto loan assets and taking corresponding remedial measures by taking borrowers, collaterals, guarantors, etc. as objects, and obtaining information through customer provision, interviews, on-the-spot inspection and resource inquiry in the bank. Its purpose is to monitor the relevant factors that may affect the quality of loans, send out early warning signals and take corresponding preventive or remedial measures. The main contents of post-loan inspection include the borrower's situation inspection and the guarantee inspection. (1) The main contents of the post-loan inspection of the borrower; (2) The guarantor and the pledge. Main contents of collateral inspection 4. Non-performing loan management Regarding the management of non-performing personal car loans, banks should first identify non-performing personal car loans according to the five-level classification of loan risks, and then analyze non-performing loans in a timely manner, establish a non-performing loan account for car loans, identify the person responsible for the collection of non-performing loans, and monitor the recovery of non-performing loans in real time. 5. Post-loan file management Post-loan file management refers to the whole process of collecting, sorting out, filing, registering, saving, borrowing (checking) management, handing over and managing, returning and destroying the loan information after the personal car loan is issued. It is based on the provisions and requirements of the Horizontal Case Law and related systems to standardize the management of loan files to ensure the safe, complete and effective use of loan files. (1) Collection, arrangement, filing and registration of archives (2) Borrowing (checking) and reading management of archives (3) Handover and takeover of archives (4) Legal basis for returning and destroying archives: Article 1 of the Measures for the Administration of Automobile Loans (Revised in 217) When granting personal automobile loans, the lender shall comprehensively consider the following factors to determine loan conditions such as loan amount, term, interest rate and repayment method: (1) (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. Article 11 A lender shall establish a borrower's credit file. The borrower's credit file shall contain the following contents: (1) the borrower's name, address, valid identity certificate and valid contact information; (2) Proof of the borrower's income level and credit status; (three) the purchase agreement, car model, engine number, frame number, price and purpose of the purchased car; (4) The amount, term, interest rate, repayment method and guarantee of the loan; (5) loan collection records; (six) other information needed to prevent loan risks.

third, the process of applying for individual car loan

Generally speaking, the application process of applying for car loan is as follows:

1. Apply for car loan. After the applicant is optimistic about the vehicle to be purchased, he/she needs to fill in the application form for automobile consumption loan and the credit information questionnaire, and submit them to the loan bank together with relevant certificates of personal situation.

2. after receiving the application, the bank will conduct pre-loan investigation and approval.

3. After examination, the bank will inform the borrower to fill in various forms, loan contract, guarantee contract and mortgage contract, and go through mortgage registration and insurance procedures.

4. The bank issues loans

5. The borrower pays the down payment to the car dealer, and goes through the formalities of car pick-up with the passbook and the car pick-up slip issued by the bank

In the process of applying for personal car consumption loan, the applicant needs a copy of ID card, a copy of household registration book, a copy of marriage certificate, proof of income, a bank running list, a copy of real estate license and other formalities.

The specific landlord can go here to have a look:/youhui/xinyidaiwmcar.shtml.