1, customer application

Customers apply for loans from banks or auto financing companies, fill in loan application forms and submit relevant materials at the same time;

2, auto loan audit

The bank or auto financing company investigates the application materials submitted by the borrower and approves the loan;

3. Sign a car loan contract.

Sign auto loan contracts and guarantee contracts, and handle relevant notarization and mortgage registration procedures as appropriate;

4. Auto loan issuance

The bank or auto financing company shall directly transfer the money into the auto dealer's account according to the contract;

5. Customers pick up cars

After completing the formalities of car loan, the customer picks up the car and repays the principal and interest of the car loan on schedule;

6. Loan settlement

Loan settlement includes normal settlement and early settlement.

Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

Early settlement: If the loan is partially or completely settled before the maturity date, an application must be made to the bank or auto financing company in advance according to the loan contract.

After the loan is settled, the customer will take back the legal documents and relevant supporting documents taken by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.

Second, the company's car purchase process and procedures?

The procedures and procedures required for the company to buy a car are as follows, which are explained in detail. I hope the reply can help you, for reference only.

First, buy a car in full.

Generally speaking, companies only need to bring business license, organization code certificate, agent ID card, power of attorney, tax registration certificate and other documents to buy a car in full. Some 4S stores even need the organization code certificate and the ID card of the manager to purchase, which depends on the requirements of local 4S stores. You can ask the salesman in advance before buying a car.

Second, the loan to buy a car

If a company buys a car through a mortgage, the required procedure is:

1, ID card, household registration book and other identification materials of the agent;

2, unit income certificate, deposit certificate, securities, real estate certificate or other income certificate;

3. Bank deposit certificate (passbook) not less than the down payment;

4. If the property is mortgaged or pledged, a list of mortgaged or pledged property, proof of ownership, proof that the person who has the right to dispose of the property (including the property owner) agrees to mortgage or pledge, and a mortgage appraisal certificate issued by the competent department shall be provided;

5. If the purchased vehicle is mortgaged, a written loan recommendation letter issued by the dealer designated by the lender before handling the legal mortgage registration and relevant insurance procedures shall be provided.

What does the company need to buy a car?

First, buy a car in full.

1. The enterprise has a valid business license (or industrial and commercial registration certificate), organization code certificate and tax registration certificate, and paid warehousing value-added tax and business tax in this city in the last year totaling more than 50,000 yuan (inclusive).

2 institutions, social organizations and other organizations that are not fully funded have valid organization code certificates.

Second, mortgage to buy a car.

1. It has the ability to repay bank loans, the registered capital is more than 500,000 yuan, and the company has been established 1 year or more;

2. During the loan application period, there is a down payment for car purchase that is not lower than the requirements of the bank and deposited in the accounting department of the bank;

3. To provide the bank with an approval guarantee, the borrower must be a shareholder of the company;

4. Willing to accept other necessary conditions proposed by the bank.

How much money can the company save by nominally buying a car?

1, small-scale taxpayer

Companies buying cars can be used to deduct corporate income tax. Suppose the company spends 6.5438+0.00 million yuan on buying a car, which can be included in the tax as the company's current cost. /kloc-the enterprise income tax that can be deducted within 0/0 year is10025% = 250,000, and small and micro enterprises can deduct 50,000.

2. For ordinary taxpayers.

Enterprise income tax is the same as the above-mentioned small-scale taxpayers. At the same time, ordinary taxpayers can also deduct a part of vehicle value-added tax, that is,100/(113%)13% =1/5000 yuan; In addition, various vehicle maintenance costs and expenses in the next five years can also be deducted from the value-added tax.

Advantages and disadvantages of buying a car in the name of the company

Advantages:

1, buying a car in the name of the company can be deducted reasonably, that is, the above tax expenses can be saved;

2. For cities with restricted purchases, buying a car in the name of the company can easily obtain local license plate indicators;

Disadvantages:

1. When the company is in financial condition, if debt repayment is involved, then this car, as a fixed asset of the company, will face the risk of being auctioned or used for debt repayment;

2. When there is something wrong with the vehicle, such as a major accident that exceeds the insured amount, it will hurt the company's funds.

The above reply is for reference only.

Third, what is the process of buying a car with a loan?

1. Application: After you are optimistic about the car you want to buy, fill out the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to the loan bank together with the relevant explanations of your personal situation. 2. Banks should do a good job in pre-loan investigation and approval: after accepting loan applications, banks should do a good job in investigating the credit status of borrowers and guarantors. If the loan conditions are met, the bank will immediately notify the borrower to fill in various forms. 3. Contract signing: notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures. 4. Loan issuance: the bank issues loans and directly transfers them to the car dealer's account. 5. Handling car pick-up procedures: The borrower pays the down payment to the car dealer and handles the car pick-up procedures with the passbook and the car pick-up note issued by the bank.

4. How to apply for a car loan, and what are the procedures?

Information to be provided when applying.

1. Original and photocopy of marriage certificate, household registration book or other valid residence certificate;

2. The borrower's occupation and income certificate issued by the department or unit recognized by the lender, or other income or property certification materials that the borrower is willing and able to provide to prove its ability to pay; 3. Car purchase agreement signed with the dealer designated by the lender.

4. If the vehicle is mortgaged, the guarantor shall issue a written document agreeing to guarantee and relevant credit certification materials, and provide a certain percentage of deposit when necessary;

5. Not less than the down payment deposit certificate of China Bank or the down payment certificate of car purchase issued by the car dealer;

6. Other supporting documents and materials required by the lender.

Bank loan procedures:

(1) Establish a credit relationship

Application for establishing loan relationship in duplicate. The bank will appoint a loan officer to investigate. Survey content

(1) Legitimacy of enterprise management. Relevant conditions required for the case. For enterprises with legal personality, it should be checked whether the business scope approved by the business license is consistent with the actual business scope.

(2) the independence of enterprise management. Whether the enterprise implements the financial plan and accounting statements of independent economic audit.

③ Whether the enterprise and its main products belong to the development sequence of national industrial policy.

(4) the efficiency of enterprise management. Relevant provisions of enterprise associations; The present situation and trend of financial performance.

⑤ Rationality of the use of enterprise funds Whether the funds are managed separately; The occupation level and structure of working capital are occupation and misappropriation.

6. New and expanded enterprises. Whether% has been fully raised. If there is a temporary shortage, have you made a plan to make up for it in the short term?

After investigating and understanding the above situation, the loan officer shall write a written report and sign an opinion on whether to establish a credit relationship, and submit it to the director of the department (unit) and the president (director) for approval step by step.

With the consent of the president (director), he signed a contract with the enterprise to establish a credit relationship.

(2) Apply for a loan

Enterprises that have established credit relations can apply for working capital loans from banks according to production needs. Take industrial production enterprises as an example. When applying for a loan, the liquidity policy, credit policy and related systems of industrial production enterprises must be submitted, combined with the credit approved by the superior bank.

Carefully review the scale plan of enterprise loan application and the source of credit funds.

(3) loan review

The main contents of the loan review are:

The direct uses of the scope of enterprise liquidity loan support are: reasonable purchase and payment of goods; Advance payment approved by the bank; Special loans are used according to the prescribed purposes; Other purposes that meet the requirements.

(2) The recent operation of the enterprise. It mainly includes the procurement, consumption and storage of materials, the supply, production and sales of products, and the occupation level and structure of working capital; Credit status; Economic benefits, etc.

(3) the implementation of the enterprise's potential tapping plan, liquidity acceleration plan and liquidity supplementary plan.

④ The development prospect of the enterprise. It mainly refers to the development prospect of the industry to which the enterprise belongs, the development direction of the enterprise, the product structure, life cycle and new product development ability, the practical work ability of the main leaders, the management decision-making level and the pioneering and innovative ability.

⑤ Debt capacity of enterprises. Mainly refers to the actual amount of the enterprise's own liquidity and current assets and liabilities. Generally, it can be analyzed by two indicators: the proportion of self-owned liquidity to total liquidity and the debt ratio of current assets of enterprises.

(4) signing a loan contract

A loan contract is an agreement that the lender will deliver a certain amount of money to the borrower for use according to the agreed purpose, and the borrower will repay the principal and interest at maturity. This is an economic contract.

The loan contract has its own characteristics. The object of the contract is currency, and the lender is generally a national bank or other financial institution. The loan interest is stipulated by the state, and the parties cannot agree at will. The parties reached an agreement on the main terms of the loan contract after consultation according to law. An application is made by the borrower, and a loan contract can be signed after the lender has approved it.

The loan contract shall have the following clauses:

① loan type; (2) the purpose of the loan; ③ loan amount; (4) loan interest rate; (5) Term of the loan; (five) the source of repayment funds and repayment methods; ⑦ Guarantee clause; 8. Liability for breach of contract; Pet-name ruby other terms agreed by both parties.

The loan contract must be signed and sealed by the representatives of both parties or the agents authorized by the legal representatives.

(5) granting loans

After an enterprise applies for a loan, both banks and enterprises should sign relevant loan contracts according to the types of loans. When signing the contract, you should pay attention to the accuracy of the project, the clarity and neatness of the text, and you must not alter it; The official seals of the borrower, lender and guarantor and the signature of the legal representative are complete and correct.

The borrower opened an iou. A loan receipt is a written loan certificate, which can be signed at the same time as the loan contract, or it can be signed at one time or in installments within the amount and effective time stipulated in the contract.

Bank managers should carefully examine and check whether the contents of the loan application are correct and consistent with the loan contract. After the loan application is verified correctly, fill in the Notice of Loan Issuance, and the letter clerk, department (unit) head "two signatures" or the president (director) "three signatures" will send it to the bank accounting department to handle the loan transfer to the borrower's account. After the loan application form and the loan issuance notice are recorded by the accounting department, the last copy is returned to the credit department as a voucher for registering the loan account.