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Steps for car home to get a loan to buy a car ... Let's go.
Zhan Zhao Erleng
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The steps are 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 Investigation Form, 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. The bank shall notify the borrower to fill in various forms, as well as loan contract, guarantee contract and mortgage contract, and go through the formalities of mortgage registration and insurance.
4. Banks issue loans
5. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.
In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.
Detective, buy a car and pick it up nearby. Let's go
Stepping into March, the warmth of spring is not unheard of, but I don't know why, this year's warmth always seems a bit weak. The sunny day just dispersed for a day or two, and was forced back by another cold current. It was hot to wear a vest yesterday, and I also sweated.
Interest on small loans in car home
The minimum monthly interest rate is 0.75%.
The loan interest of small car loan depends on everyone's credit situation, and the minimum monthly interest rate is only 0.75%.
Small loans in car home belong to cash, and the interest is similar to ordinary small loan products. Car home also provides all services for car consumers, such as car selection, car purchase, car use and car change.
Is the car home loan true?
The "car home" loan is real, because this institution is an open and formal institution, and its owner is a joint venture subsidiary of car home and Shanghai Cangu, and its registered place is in Shanghai. You can check their business license information on the website of Shanghai Administration for Industry and Commerce.
However, when we choose such a lending institution, we should still be vigilant and take precautions.
Pay attention to the following points when choosing auto loan companies and auto financing companies:
(1) Some fraudulent companies pull business in the name of big companies, but they don't have office addresses or even provide business licenses.
(2) The lower the threshold, the faster the loan and the more reasonable the interest, the more attention should be paid to prevention.
(3) Require the borrower to pay the deposit, handling fee, first month interest, etc. in advance. You should be careful not to run away when they cheat money. If you encounter a liar, you should call the police at the first time.
Matters needing attention in automobile loan:
Loan target: a natural person with full civil capacity, aged between 18 and 60;
Loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the price of the purchased vehicle; 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;
Loan term: the purchased vehicle is for personal use, and the longest loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years;
Loan interest rate: subject to the loan interest rate regulations of China Construction Bank;
Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest, matching principal and interest, average capital repayment, and one-time repayment of principal and interest. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.
Is the microfinance in car home credible?
Credible, interest-free, but after repayment, 2 1 working days, I will send a cashback message when I get home.
It is a comprehensive consumer loan with individuals or enterprises as the core. The loan amount is generally more than 1 1,000 yuan and less than 200,000 yuan. The treatment process generally needs to be guaranteed. It is an extension of microfinance in technology and practical application. In China: Mainly serving agriculture, rural areas and small and medium-sized enterprises. The establishment of the company rationally pooled some private funds, standardized the private lending market, and effectively solved the financing difficulties of agriculture, rural areas and small and medium-sized enterprises. At present, the personal quota provided for office workers generally ranges from 1000-5000 yuan, and most of them do not need a mortgage, but the credit and information review is strict.
1. The borrower shall apply to the branch opened by the bank. When applying, the borrower should bring ID card, proof of address, proof of stable income source and other related materials, and if it is a merchant, it should also bring a business license;
2. After receiving the lender's application, the bank will review the lender;
3 through the bank's audit and approval, signed a loan contract with the bank;
4. The bank lent money, and the lender successfully got the loan.
The above four steps are the general flow of banks. Different banks may have slightly different regulations and submit different materials. In order to avoid loan risks, some banks will require lenders to meet certain conditions, such as age, income level and repayment ability.
What about car owners' loans in car home?
Reliable. Car owner loan is also the mainstream business in banks, and this institution is an open and formal institution.
1. car home is an automobile website, and owner loan is a credit loan product, not a mortgage loan product. In car home, the loan amount of car owners is mainly between 200,000 and 300,000, and the minimum daily interest rate is 0.03%.
2. car home dealer platform has more than10,000 registered 4S stores, and is committed to providing consumers with the most timely, comprehensive and accurate price information. Through the continuous improvement of ease of use, online merchants and online transactions have gradually increased, striving to become the largest online 4S store in China. Therefore, car owners' loans in car home are very reliable.
Will car home's car get a loan?
All right. Car home is a well-known platform in China, covering all models on the market. The car loan provided by car home relies on its own strength. If money is tight, it is still good to use. So it is very good for car home to get a car loan.