The requirements for applying for a car loan from a bank are as follows:

1. The borrower is between the ages of 18 and 60, and is a natural person with full civil capacity;

2. The borrower has a fixed income and can repay the loan principal and interest on time;

3. The borrower's personal credit record is good;

4. The borrower agrees to mortgage the purchased vehicle to the bank as repayment guarantee;

5. The borrower signs a car purchase contract or relevant agreement with the dealer;

6. The borrower has certain self-owned funds and can pay the down payment for car purchase;

7. Other conditions required by the lending bank.

Expand data

Generally speaking, buying a car with a loan has two advantages. First, the money saved can be used in other places, such as investment, and the money invested may be more than the loan interest; Second, you can accumulate credit and borrow money to buy a car. As long as you repay on time, you can accumulate good personal credit, which will help you apply for loans and credit cards in the future.

The process for banks to handle auto loans is as follows:

1. Prepare materials. The borrower needs to prepare ID card, work certificate, income certificate, residence certificate, loan use certificate and other materials;

2. apply. Bring all the materials to the bank to fill in the loan application form and submit the materials;

3. Bank approval. The bank will investigate and approve the materials;

4. handle the guarantee. The borrower needs to go through mortgage guarantee and other procedures;

5. Sign a loan contract. If the borrower is approved, it can sign a contract with the bank;

6. borrow money. After signing the contract, the bank is ready to lend money.

7. Pay attention to buying a car and a bank loan.

After the loan is completed, the bank will transfer the loan amount to the personal bank card. At this point, you need to pick up the car at the 4S shop and pay the remaining 30% deposit. At this point, all expenses have been paid, so all kinds of taxes need to be paid (of course, 4S shop will assist individuals to complete all procedures). After all formalities are completed, the vehicle registration certificate must be mortgaged in the bank, and individuals must obtain valid certificates such as tax payment certificate, invoice and vehicle driving license. After the vehicle loan is paid off, the 4S store or bank will notify the individual to go to dmv to go through the formalities of car release. At this time, the vehicle registration certificate was obtained and regarded as "own" car.

How to get a car loan?

The procedure for buying a car loan is:

1. Provide ID cards, proof of economic income and other documents and materials required by the cooperation organization;

2. Bring all the materials to the loan bank to apply for personal automobile mortgage;

3. The lender shall evaluate the credit rating and guarantee of the borrower, confirm the loan amount, term, interest rate and repayment method, and issue the loan.

legal ground

Article 10 of the Measures for the Administration of Automobile Loans

When granting personal car loans, the lender shall comprehensively consider the following factors to determine loan conditions such as loan amount, term, interest rate and repayment method:

Credit rating of the lender to the borrower;

(2) loan guarantee;

(three) the performance and use of the purchased car;

(four) the development of automobile industry and the supply and demand situation of automobile market.

The process of car loan: 1. The borrower brings his ID card, motor vehicle registration certificate, driving license and other materials to the bank to fill in the loan application form and submit the materials. Two, the bank to review the information submitted by the borrower. Third, professionals evaluate the loan vehicles. Fourth, the bank determines the loan amount according to the assessed value of the car (generally speaking, the loan amount will not exceed 70% of the assessed value of the car). 5. Sign a loan contract. Clear the loan amount, loan term, loan interest rate and other related rights and interests. Six, for car mortgage procedures, vehicle registration certificate. 5. Bank loans.

It should be noted that at present, most car loans can only be mortgaged, not mortgaged.

How is the bank car loan handled?

First, the bank car loan process:

1, select the product that needs car loan;

2. Apply for universal car loan packages and services on the spot according to your own situation;

3, the staff for loan review and approval;

4. The store signed a contract to pick up the car;

Second, the application requirements:

The second-hand car loan business provided by banks has higher requirements for borrowers. Generally, borrowers are required to have a proper occupation, stable income, timely repayment ability and good personal credit. If you can prove that you own real estate locally, the borrower's loan application will be more secure. Take Beijing as an example. Applicants must have Beijing hukou, ID card and permanent residence. /kloc-citizens aged 0/8 to 60; Need to have a stable job and a stable income.

The materials to be prepared for applying for a loan include: the identity card of the car buyer; Household registration book; Housing certificate; Proof of income: the monthly income must be twice the monthly repayment; Two recent one-inch photos. If the buyer is married, he needs marriage certificate and spouse certificate.

Procedures for handling bank car loans:

1. Car buyers go to the bank outlets for consultation, and the outlets recommend the special dealers who have signed the Cooperation Agreement on Used Car Consumption Loan with the bank.

2. Go to the dealer to choose the used car to buy, and sign a car purchase agreement with the dealer to clarify the model, quantity and color.

3. Apply for a loan at a bank outlet. The necessary materials for applying for a loan at a bank outlet include: personal loan application, valid identity documents, proof of occupation and income, basic family status, car purchase agreement, supporting documents required for guarantee and other conditions stipulated by the lender.

4. The bank will review the user's credit, notify the car buyers within 15 working days after the loan application is accepted, and sign the Second-hand Automobile Consumption Loan Contract with the borrowers who meet the loan conditions. The maximum loan amount for second-hand car consumption does not exceed 60%~80% of the car purchase price (different banks), and the longest loan period does not exceed three to five years (different banks, taking Beijing as an example, must make a down payment of 50% for second-hand car loans, and the longest loan period is three years).

5. Sign loan and guarantee contracts. If the applicant meets the loan conditions, the bank will sign a loan contract and related guarantee contract with him. Guarantee methods and corresponding procedures:

(1). If the user provides a third-party joint liability guarantee (except banks and insurance companies), the guarantor signs a guarantee contract with the bank, and the insurance company can also provide a joint liability performance guarantee or the bank can provide a letter of guarantee.

(2) The user should sign a mortgage or pledge contract with the bank to guarantee by mortgage or pledge. If the house is mortgaged, it must be appraised and confirmed by the designated appraisal institution, and the bank and mortgagor shall go through the mortgage registration at the real estate registration office of the county where the house is located, and the contract will take effect after obtaining the property right certificate. If it is pledged, the pledge contract will take effect after it is handed over to the bank together with the certificate of rights.

(3) After the above procedures are completed, the bank shall issue a loan notice to the special dealer in time.

(4) If the purchased second-hand car is used as collateral, the bank shall issue a loan notice to the special dealer in time. After the purchased second-hand car is licensed, the bank will go to the vehicle management office for mortgage registration.

6. The bank issues loans, and the user handles vehicle insurance and picks up the car. The special dealer shall hand over the customer's car purchase invoice, payment document and driving license (copy) to the bank within 15 days after receiving the loan notice. Banks issue loans after customers go through the formalities of property insurance. The types of insurance include: vehicle loss insurance, third party liability insurance, burglary insurance and spontaneous combustion insurance. All kinds of insurance period shall not be shorter than the loan period.

How to apply for a bank car loan?

1. It's very easy to apply for a car loan in a bank. First, you need to enter customer information. At this time, you need to provide the bank flow and documents within the time. These materials will then be submitted to the risk control department for review. After approval, loans can be issued.

Nowadays, many consumers choose loans to buy cars, which is still very good. In the past, when there was no car loan, you needed to save all your money to buy a car. With a car loan, if you want to save all your money, you can drive ahead and pay back the rest slowly.

Buying a car with a loan can enable many consumers who don't have much savings to enjoy the life of owning a car in advance. Buying a car with money can also increase car sales.

To get a loan to buy a car, banks need to check their qualifications. If you have a credit record or qualification, you can't approve it, so the bank loan.

5. After the loan is successful, it needs to be repaid on time every month. During the monthly repayment period, if it is overdue, the credit record will be kept. You can find a trailer to tow your own car in parallel.

6. The purchased car is equipped with a gps positioning system, and the bank knows the real-time location of the car. After buying a car, you should pay the monthly payment on time.