1. Buy a car from a dealer who is qualified to cooperate with the bank and sign a car purchase contract. In the contract, you should indicate the car price, taxes and fees, the payment method of insurance premium and the proportion of the remaining mortgage you require. You can't ask the dealer to write a general sentence about the price of the vehicle in the price.
2. Fill in the loan application form at the dealer (or bank), and pay attention to the loan amount and term.
3. 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.
4. Sign the loan contract, chattel mortgage list and other related documents at the bank (banks generally require signature in person to prevent fraud, so you'd better go there in person), check the loan amount with the bank staff again and calculate the mortgage amount and performance guarantee insurance according to the loan amount (the insurance calculation method is: monthly mortgage amount * total loan months *% loan years). This insurance can be partially returned after you repay the loan in advance (don't forget to ask the general bank to issue a certificate for you if you repay the loan in advance). Note here: If you are more careful, you can ask the bank staff to write down the loan amount on the contract before signing it. If you have time, you can wait until the bank staff have written all the contracts and checked them correctly, but you may have to go to the bank several times. This contract cannot be changed. Once revised, you can ask for a new one.
5. 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 relevant information, but at this time, you don't have to worry about what banks and dealers will usually prepare for you, such as contracts, mortgage lists, vehicle engine numbers and frame numbers, and vehicle registration certificates. After handling, the vehicle management office will print your mortgage amount and the receiving bank on the vehicle registration certificate.
6. There is no need to go to the bank again, but the dealer can do the following procedures. Let him take the original or copy of the vehicle registration certificate to the bank, and the bank will pay the corresponding amount to the dealer account or your account according to the contract, and then automatically transfer it to the dealer account.
7. Deposit the mortgage amount in full into the designated account before the monthly repayment date agreed in the contract (the general bank will ask you to open a credit card account to facilitate your deposit and his deduction). If the payment is delayed, you should inform the bank to deduct it in time after payment, otherwise it is possible that the bank will deduct it in the next period, so your penalty interest will increase. Note that if the payment is delayed, you should pay more than usual, so that the bank can deduct one point in full, and the bank will not deduct it.
8. If you lose your credit card or forget that account, you should go to the bank in time to reapply and inform them of your latest credit card or account number, so that they can modify the computer information in time, otherwise the bank may delay processing and impose a penalty interest.
9. If you claim compensation from the insurance company after the accident, the insurance company will ask you to go to the bank to open a certificate of your repayment credit. If you are an insurance company that pays back on time, the insurance company will pay you the premium in full. If you don't repay in time, the insurance company will pay the compensation to the bank to offset the mortgage, and of course the bank will not issue a certificate for you. So you are concerned about your repayment credit.
10, after the loan is fully paid off, ask the bank for relevant certificates, and bring the vehicle registration certificate to the vehicle management office to handle the vehicle mortgage cancellation procedures. Then the car can be your own. If the repayment is made in advance, part of the performance insurance premium may be refunded, and there may also be vehicle insurance premium received by the insurance company in advance in the following year.