What are the procedures and conditions for buying a car loan? What conditions do you need to buy a car with a loan?

With the continuous development of the automobile industry, the threshold for buying a car is getting lower and lower. Some dealers or car loan institutions can achieve "zero down payment" and "zero interest rate". Of course, they can also choose to buy a car by loan, but they also need to know some conditions and processes of buying a car by loan.

What conditions do you need to buy a car with a loan?

1. The lender must be 18 years old and have full capacity for civil conduct.

2, has signed a car purchase contract, and has the ability to pay the down payment.

3. There is no overdue record or bad credit information in the credit information system of the car loan applicant.

4. Car loan applicants have a stable job and income source and can repay on time.

5. Have legal identification, and in some places, mortgage items or real estate licenses are needed.

6. Other requirements of local policies can be met.

Under what circumstances is the car loan not approved?

1, personal credit record is bad. For example, if the credit card is overdue for a long time, or if the credit card is used in stages, the expenses are not paid off according to the time limit, resulting in a bad personal credit record.

2. Loans were refused due to incomplete or insufficient information provided, and some of them were filled in when applying for loans, deliberately filling in false information, and were blacklisted by banks.

At present, personal debt is relatively large, that is, the borrower has handled a lot of loan business. At this point, the lending institution will doubt the borrower's solvency and will not approve the loan.

Procedures required for loan to buy a car

1. Apply to the insured bank or financial institution first, and submit the materials required for the audit, such as ID card, household registration book, income certificate, etc.

2. After approval, loan contracts and guarantee contracts can be signed, and relevant notarization and mortgage registration procedures can be handled when necessary.

3. After the final confirmation is passed, the money will be transferred to the designated account according to the contract.

4. The car loan applicant must repay the loan on time. If the loan is settled in advance, a certain penalty will be charged. Overdue for more than 3 months, overdue records can be entered into the credit information system. Serious cases may also be prosecuted, vehicles will be towed away for auction, and the proceeds from the auction will be used to pay off debts.

5. After paying off the car loan, you can go to the bank to get back the settlement certificate and mortgage certificate, and then take the corresponding information to the settled vehicle management office.

4s documents that must be given when handling car loan: car purchase invoice, certificate of conformity, vehicle registration certificate, three-guarantee certificate, vehicle manual, new car delivery confirmation form, etc. For details, please consult the 4s shop.

Reminder: If you reply to the car loan in the official WeChat account, you can get the car loan processing process, processing conditions, car loan approval failure solution, car loan calculation and so on. Check the process, procedures, conditions, optional cycle, interest standards, etc. Buy a car by installment; Understand the process/procedure of mortgage car purchase, interest calculation, down payment ratio, resale method of mortgage car, etc.

What are the procedures for buying a car loan?

When buying a car, you need to bring your ID card, and the company should bring your organization code certificate and official seal.

1, apply. After you are optimistic about the vehicle to be purchased, fill in the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to the loan bank together with the relevant certificates of personal situation.

2. The bank conducts pre-loan investigation and approval. If the loan conditions are met, the bank will promptly notify the borrower to fill in various forms.

3. Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures.

4. The bank issues loans (the bank transfers money directly to the car dealer's account).

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.

Extended data

Four iron laws for buying a new car

The first iron is to avoid vehicles with three-cylinder engines as much as possible. At present, when many car companies push a new car, they usually push three models with different engines. In many cases, they are designed to meet emission standards, not from the consumer's point of view. Many old drivers are well aware that one of the major defects of a three-cylinder engine is jitter.

It can be said that this engine is inherently deficient, and some car companies claim to have added a balance shaft. The jitter problem has been solved. The new car doesn't seem to shake as much as expected, but with the increase of car use time, the problem of shaking will become more and more obvious.

The second iron law is to avoid dual clutch models as much as possible. At present, many models are matched with dual clutches. Although the dual clutch has indeed developed for many years, it is technically much better than the beginning. Compared with at and CVT gearboxes, the failure rate of dual clutch models will be higher.

Novice drivers are not as good as old drivers in driving skills and driving methods, and they are not very good at grasping dual-clutch models. Various problems are prone to occur in the process of car use, which affects the car experience. If you have to choose dual clutch, try to choose wet dual clutch.

The third iron law is that novices should try not to buy high-end models when buying cars. The average consumer considers the cost performance when buying a car. Now that car companies release a new car, there will be low-equipped, medium-equipped and high-equipped models. To put it bluntly, high-profile models are more suitable for those consumers who have higher consumption levels and pay attention to the diversification of their own configurations.

If individuals pay more attention to the driving experience and some configurations, then it is enough to choose a mid-range model. As for the configuration in the high-profile models, although rich, many of them are actually not used.

The fourth iron law is that a large-displacement self-priming car is better than a small-displacement turbocharged car. If you have been to the used car market, you will find that many small-displacement turbocharged cars are piled up in the car, and few people will buy them. Some old drivers describe two kinds of cars like this. Large-displacement self-priming is like a naturally strong person, and small-displacement turbocharged models are like a naturally weak person.