1. What materials do you need to bring when purchasing a car with a loan from a 4S store?

The process of applying for a mortgage loan to buy a car at a 4S store is as follows:

1. Select a car that supports mortgage purchase at the 4S store.

2. Sign a car purchase agreement or contract with the 4S store.

3. The 4S store applies for a personal car mortgage loan from the lending bank on behalf of the borrower.

4. The lending bank investigates and approves the loan application.

5. Approval and signing of personal car mortgage loan contract.

6. Go through the car notarization and mortgage procedures.

7. Lending banks lend money.

8. The contract takes effect and the borrower starts repayment in the next month.

2. The process of buying a car with a loan from a 4S store. What materials do you need to bring?

Loans need to prepare the following information:

One: Identity type, such as ID card, residence permit, driver's license

Two: Residence type, if real estate certificate, Proof of residence

3: Income category, such as income certificate, bank statements for the past six months, etc.

3. What materials are needed when buying a car with a loan?

In today’s life, it is very convenient and common to have your own car. With a car, you can reach anywhere in the world. However, many friends who want to buy a car suffer from the high price of the car and can only choose to buy a car with a loan. Does anyone know what materials are needed to go to a 4S store to get a loan to buy a car? Today, the editor has compiled relevant knowledge for you, let’s take a look below!

The simple and popular understanding of a loan is to borrow money that requires interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

What materials are needed to apply for a car loan: 1. Valid ID card: original and copy of the ID card of the lender and his spouse (if single, proof of singleness is required). If it is lost, invalid or cannot be used under special circumstances, Show it. Some banks or car loan institutions can accept temporary identification. 2. Hukou book: the home page and the lender’s page of the household booklet. 3. Proof of marriage: marriage certificate or divorce certificate (divorce agreement or divorce judgment notarized by a notary public). Generally, both spouses are required to sign, and in case of divorce, a property judgment is required. 4. Proof of residence: utility invoices or lease contracts or temporary residence permits for the past 3 to 6 months. 5. Proof of work: Proof of work (and income) stamped with the official seal of the unit, and the legal person of the enterprise shall provide the original and copy of the business license. (It is generally difficult to get credit if you are unemployed, except for individual mortgages and guarantees.) 6. Proof of income: Documents that can prove your monthly income. Banks need to verify your repayment ability.

Before we buy a car, it is best to understand the relevant procedures first, so as not to be led by the 4S store. For the "0 down payment" activity of the 4S store, we should be more alert. , avoid stepping into pitfalls. Generally, the total price with 0 down payment will be relatively high. You can choose the time to buy a car at the end of the year or during holidays. At the end of the year, every 4S store is rushing for sales and can usually negotiate a good price.

4. What materials do you need to bring when applying for a 4S store loan to buy a car?

ID card, household register, marriage certificate or single certificate, bank statement or income certificate, and house ownership certificate Or proof of residence, repayment bank card in your name (some 4S stores have restrictions on repayment banks, you need to consult the sales staff first))