It usually takes half a month to buy a car with a loan.

After the approval, the customer also needs to sign a loan contract at the business outlet of the bank (auto consumption finance company) within the agreed time, handle the mortgage and other related procedures, and then enter the lending process. It usually takes three to seven working days from car loan approval to loan release.

If the car loan approval result is delayed or the loan is delayed after the car loan approval, the customer can take the initiative to call the handling bank (auto consumption finance company) to consult the customer service.

Loan car purchase process

1. First, find financial institutions willing to provide loans. Many brands of cars have their own financial companies, and if there is no dealer, they will recommend them.

2. Find the financial institution that provides the loan, and then prepare the financial proof materials, including: real estate license, work certificate, social security certificate, household registration book, ID card, personal credit certificate issued by the People's Bank of China, and personal account of the bank in the last three months.

3. The whole loan approval process takes about 15 working days. Some vehicles need to pay part of the down payment, so you need to prepare some cash.

Now the price of vehicles is relatively cheap, and many people have little pressure to borrow money to buy cars, so it is very common to handle them, so it takes a short time. However, for those who are not clear, you should carefully look at the content of this article to be more clear. Please consult a professional lawyer if you have any other questions.

How many days can the car loan be approved?

Car loans can generally be approved in about 7 working days. If you choose the manufacturer's finance when buying a car, the audit speed will be faster, and it will usually be completed on the same day.

Car loans are generally easier to pass than other loans, because the loan amount of car loans is relatively lower than other loans (housing loans), and people with fixed jobs and incomes can generally afford it, unless you are too capricious when choosing a car, which is beyond your tolerance.

But the audit speed will also be affected by many factors. For example, if the information you provide is incorrect, it will delay a lot of time. Secondly, Bank of China will call you to pay a return visit to the car loan. If there are mistakes in the return visit, it will also affect the approval speed and even the audit results.

If the car loan bank does not approve it, it may be caused by several reasons.

1. The loan amount is too large, and the bank thinks you can't repay it.

2. Poor credit information. If you have ever defaulted on your credit card for more than two times in five years, the bank has a good chance to refuse your loan.

3. The spouse's credit information is poor, and the credit information of the married spouse is also one of the factors considered by the bank.

4. There are too many debts. If you owe too much, the bank may refuse your loan, and even if you don't refuse, it may reduce the loan amount.

Monthly repayment accounts for more than 50% of your monthly income.

When buying a car, you must first understand the relevant car loan policy in advance. If the car loan fails unfortunately, you should reflect on your possible problems. If the bank loan is not enough, you can also choose car dealer finance or car loan company. The repayment mechanism of car loan companies is more flexible than that of banks, but the rate will increase accordingly.

Supplementary knowledge about buying a car with a loan;

First, the process of applying for a loan to buy a car:

1. The borrower submits the loan application materials to the bank;

2. The bank conducts a preliminary examination of the application materials submitted by the borrower;

3. The bank conducts credit investigation and customer evaluation on the borrower;

4. The bank examines and approves the loan application that meets the loan conditions through preliminary examination and credit investigation;

5. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower;

6. After the loan contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.

Two, the basic conditions for applying for automobile mortgage are as follows:

1./kloc-citizens over 0/8 years old with full capacity for civil conduct.

2. Have legal identity documents, local permanent residence or valid residence certificates.

3 loan individuals should have stable professional and economic income or assets that are easy to realize, enough to repay the loan principal and interest on schedule.

4. The lender's own funds are sufficient to pay the down payment for car purchase stipulated by the Construction Bank.

5. The lender must provide a guarantee recognized by the bank.

6. The lender is willing to accept other conditions deemed necessary by the bank.

How long does it take to get a car loan?

There is no special regulation on the time of loan issuance, and different loan issuance times are different. It depends on the actual situation of the borrower, the lending institution applying for the loan, the application time of applying for the loan and other comprehensive factors. Under normal circumstances, the fastest borrower can get the money in one day if he applies for a credit loan. However, this situation can be achieved through loan companies or loan intermediaries.

If you apply for a mortgage loan, the time is uncertain. The fastest time is 3-4 days, and the slowest time is 10 days or even 1-2 months. In short, it is relatively slow to apply for loans directly from banks, but it is faster to apply for loans through other lending institutions other than banks.

Therefore, the speed of lending depends on which institutions the borrower handles it. Under normal circumstances, the approval speed of applying for loans from banks is slow, because banks have strict requirements on the qualifications of borrowers, so the lending speed will be slower.

Extended data:

Automobile loan process

1. Buy a car from a dealer who is qualified to cooperate with the bank and sign a car purchase contract. In the contract, it is necessary to indicate the required car price, taxes and insurance payment methods, as well as the proportion of the remaining mortgage.

Fill in the loan application form at the dealer (or bank), and pay attention to the loan amount and term.

2. Take relevant documents (usually ID card, marriage certificate, income certificate, driver's license-it can be someone else's, driving license, vehicle registration certificate) and go to the bank with your spouse (if any) and the dealer.

3. Sign the loan contract, chattel mortgage list and other related documents in the bank, check the loan amount with the bank staff again, and calculate the mortgage amount and performance guarantee insurance for each period according to the loan amount.

Note here: if you have time, you can wait for the bank staff to write all the contracts and check them correctly before signing them, but you may have to go to the bank several times. This contract cannot be changed.

4. Get on the bus and go to the vehicle management office with the dealer to handle the vehicle mortgage registration procedures. Of course, you should bring all the relevant information, but you don't have to worry at this time. Banks and dealers usually prepare, such as contracts, mortgage lists, vehicle engine numbers and frame numbers, vehicle registration certificates, etc. After handling, the vehicle management office will print your mortgage amount and the receiving bank on the vehicle registration certificate.