Mortgage car purchase process: 1, first go to the 4S shop to determine the price of the car you want to buy; 2. Then according to your actual situation, determine that the down payment ratio can be 30%, 40% or 50%. This percentage is the car price multiplied by this number, and the rest is the part of the bank loan; 3. Provide personal ID card, marriage certificate, real estate license (if there is no valid formal rental contract), provide a detailed list of the bank for nearly six months, and have proof of income. It would be better if you find an individual or unit to guarantee it. In this case, the loan can be released in about three working days. After the loan, you can pay the purchase tax with the car purchase invoice and then settle in the vehicle management office.