How to apply for a car loan, what are the specific processes?
Loan to buy a car loan process:
1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;
2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;
3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the account of the automobile dealer by the bank according to the contract;
4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;
5. loan settlement.
How to apply for a car loan
What city is it? The down payment for a car loan should be at least 30% of the value of the car. At the same time, due to the need for loans to buy a car in the early stage, it is recommended to prepare more than 40% down payment. At the same time, the loan period for buying a car is generally three years, and it cannot exceed five years at most. The interest rate of car loans is generally above 7.4%.
The basic conditions for applying for a car loan are:
(1) has valid identification and full capacity for civil conduct;
(2) Can provide a fixed and detailed address certificate;
(3) Have a stable occupation and the ability to repay the loan principal and interest on schedule;
(4) Personal social credit is good;
(5) Holding a car purchase contract or agreement approved by the lender;
(6) Other conditions stipulated by the Cooperation Organization.
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Shanghai car loan: how to apply for Shanghai car loan?
At present, loans to buy a car basically go directly to the bank to apply for unsecured consumer loans. The process is simple, the interest is low, and there is no need to mortgage the ownership of the car.
Shanghai Bank does not need any mortgage or guarantee, and the procedures are simple. It can lend money as soon as the day, with a term of 1-3 years.
To apply for Bank of Shanghai, you need to meet the following conditions:
(1) has China nationality (excluding Hong Kong, Macao and Taiwan residents);
(2) age is 20-60 years old;
(3) Living in Shanghai and having a stable occupation; Unlimited household registration
(4) Working in the current company for 6 months, with a monthly salary of more than 3,000 yuan/If the applicant is an enterprise legal person or shareholder, the enterprise must be registered and actually operated for one year.
If you meet the requirements of our bank, you can apply.
Tips: Be careful when lending, and don't pay any fees before lending! If there is a loan demand, it is best to go directly to the bank outlets! Beware of being cheated.
How to apply for car loan in Hangzhou?
The conditions for applying for a car loan are: (1) having valid identification and full capacity for civil conduct; (2) Can provide a fixed and detailed address certificate; (3) Have a stable occupation and the ability to repay the loan principal and interest on schedule; (4) Personal social credit is good; (5) Holding a car purchase contract or agreement approved by the lender; (6) Other conditions stipulated by the Cooperation Organization. Car loan application materials (1) original ID card, household registration book or other valid proof of residence, and provide their copies; (2) proof of occupation and economic income; (3) car purchase agreement, contract or letter of intent signed with the dealer; (4) Other information required by banks or lending institutions. Banks, 4S shops and many lending institutions all accept car loans. The bank's interest rate is very low, and the 4S shop is also very convenient, but some fees will be charged. Now there is another way to apply online, which is convenient and saves money.
How to apply for a car loan and how to repay it?
Method/Step (Transfer from Network)
1. After being 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. After accepting the loan application, the bank will investigate the credit status of the borrower and guarantor. For those who meet the loan conditions, 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 (directly transferred by the bank to the car dealer's account).
5. The borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and car pick-up slip issued by the bank.
Precautions:
1. Buying a car with a loan is not suitable for families with a monthly income of less than 6000 yuan. After buying a car with a loan, in addition to repaying the principal and interest of the loan on a monthly basis, the monthly car maintenance expenses such as fuel, maintenance and parking fees are about 1.03 million yuan, and the average monthly car supply and maintenance expenses are between 3000-4000 yuan. Therefore, car buyers should have higher family income and try to avoid conflicts with mortgages. If they blindly buy a car to keep up with the trend, it will affect the overall quality of life of their families.
2. If funds permit, you can consider repaying the loan in advance. In order to alleviate the pressure of repayment of principal and interest, most people will choose a five-year car loan. However, with the increase of income, if they have the ability to repay in advance during the loan period, they can consider repaying the loan in full or in part in advance, so that they can get back the mortgage invoice and other car purchase procedures as soon as possible, become real "car owners" and make full use of the remaining funds of their families to realize scientific financial management.
3. Be cautious about zero down payment and low interest rate. Some car dealers and loan intermediaries use so-called zero down payment, low interest rate or even no interest as a means of promotion. In fact, some concessions are "the wool is on the sheep", and they will "make up for the loss" by raising the car price and increasing the handling fee. Therefore, handling auto loans should be handled by commercial banks or regular auto financing companies that comply with the Measures for the Administration of Auto Financing Companies.
Don't forget to repay the loan principal and interest on time. According to the regulations of the bank, the lender shall deposit the principal and interest repaid in installments into the settlement account in advance. If the principal and interest cannot be repaid on time, the bank will charge a certain late payment fee, and take measures such as detaining the mortgaged vehicle and investigating the guarantor's responsibility according to the situation. In addition, the bank will record the borrower's credit status as "bad". After the credit information system is improved, borrowers with bad records will be jointly banned by banks.
What are the car loan processes of Shanghai Pudong Development Bank?
Automobile loan processing flow:
1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;
2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;
3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the account of the automobile dealer by the bank according to the contract;
4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;
5. loan settlement.
The application conditions for auto loan are as follows:
1. Car buyers must be at least 18 years old and be citizens of China with full civil capacity.
2. Car buyers must have a relatively stable job, a relatively stable economic income or assets that are easy to realize, so as to repay the loan principal and interest on schedule.
3. During the loan application period, the car buyer will deposit the down payment for car purchase lower than that stipulated by the bank into the bank savings counter account.
4. Provide banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.
5. Car buyers are willing to accept other conditions deemed necessary by the bank.
How to apply for a car loan from Minsheng Bank?
Yes, it seems that you need to own your own property. My daughter-in-law is in people's livelihood. You can leave me a message if you have any questions.
How does ICBC apply for a car loan?
Automobile loan conditions
(1) has valid identification and full capacity for civil conduct;
(2) Can provide a fixed and detailed address certificate;
(3) Have a stable occupation and the ability to repay the loan principal and interest on schedule;
(4) Personal social credit is good;
(5) Holding a car purchase contract or agreement approved by the lender;
(6) Other conditions stipulated by the Cooperation Organization.
Automobile loan application materials
1, original ID card, residence booklet or other valid proof of residence, and provide its copy;
2. Proof of occupation and economic income;
3 car purchase agreement, contract or letter of intent signed with the dealer;
4. Other materials required by ICBC or lending institutions.
The maximum loan amount generally does not exceed 80% of the price of the purchased car.
Loan Term: The loan term for general automobile consumption is 1-3 years, with a maximum of 5 years.
Repayment methods can be one-time repayment of principal and interest and installment repayment (equal principal and interest, average capital).
How to apply for a car loan from China Bank?
The process of bank of China 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. After approval, notify the borrower to go through relevant procedures such as contract signing, loan, mortgage or pledge; Failing to pass the examination and approval, it shall explain the situation to the borrower;
6. After the loan contract comes into effect, the handling bank will issue the loan. 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.
Application conditions:
1. Have valid identification and full capacity for civil conduct;
2. Can provide a fixed and detailed address certificate;
3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;
4. Good personal credit;
5. Holding a car purchase contract or agreement approved by the lender;
6. Other conditions stipulated by the Cooperation Organization.
Application materials:
1. Original ID card, household registration book or other valid proof of residence, and provide its copy;
2. Proof of occupation and economic income;
3 car purchase agreement, contract or letter of intent signed with the dealer;
4. Other documents required by the cooperation agency.
What are the common ways to buy a car with a loan? Mainly these kinds!
It is not difficult to own a car now. As long as you pay a certain down payment and repay it on time every month, you can easily get a car. So what are the common ways to buy a car by loan? Let's get to know each other.
I. Bank loans
This is the most traditional loan method. The advantage of bank car loan is low interest rate, but the disadvantages are complicated examination and approval procedures, high qualification requirements for lenders and complicated loan process.
Secondly, credit card loans.
Compared with bank loans, credit card loans do not need to mortgage vehicles, so vehicles can buy and sell their own transactions without loan restrictions.
Three. Automobile manufacturer finance company loan
Generally speaking, financial companies of automobile manufacturers lend money to users through financial companies established by automobile brands. Compared with traditional bank loans, the interest rate is slightly higher, but the approval speed is fast, and the qualification requirements for lenders are not high. In addition, auto brand finance companies will do some activities from time to time, and manufacturers will lend money after discounts. In this case, the interest rate will even be lower than that of traditional banks.
The fourth is Internet financial loans.
Internet finance is one of the popular loan methods in recent years. Compared with other channels, their credit process is the simplest and the approval speed is the fastest, but the disadvantage is also obvious, that is, the interest is higher.
Verb (abbreviation of verb) financial lease
Car financing lease means that the user signs a lease contract with the financing leasing company, and the full amount of the car purchase is borne by the financing leasing company, so the ownership of the car belongs to the financing leasing company, and the user needs to pay the rent for the car used by the financing leasing company every month, and then transfer the car to the user after the lease expires.
How to get a loan to buy a car
The process of buying a car by loan is as follows: 1. After the applicant is optimistic about the vehicle to be purchased, he applies for a car loan, and the applicant submits an application for a car loan, a credit information questionnaire and relevant personal certificates to the loan bank. After receiving the application, the bank conducts pre-loan investigation and examination and approval on the applicant. After the approval of the bank, the applicant fills in the loan contract, guarantee contract, mortgage contract and other documents, and goes through the mortgage registration and insurance procedures. After the above procedures are completed, the bank will issue loans, and the applicant will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and car pick-up slip issued by the bank.
Loan car purchase process
The specific process of buying a car with a loan is:
1, select the vehicle type, then apply for a loan and provide personal information;
2. Report to the bank, review with other banks, and sign a loan agreement after passing;
3. The car dealer informs the applicant to pay the down payment, and then picks up the car and licenses it;
4. Handle mortgage registration and other procedures;
5. The bank lends money and the applicant repays it on time.
Legal basis:
Article 11 of the Interim Measures for the Administration of Personal Loans
Personal loan application shall meet the following conditions:
(a) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
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.
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 car loan?
If you apply for personal e-banking business of wealth management version or VIP version in China Bank, you can apply in our e-banking channel. The method of applying for a loan is as follows:
1. At present, Bank of China supports customers in some parts of China to apply for loans through e-banking. Please select from the drop-down menu of personal online banking and mobile banking online loan application function or the map of official website Bank's online loan application function in China.
2. Apply for loans online to support micro-enterprise loans, first-hand housing loans, second-hand housing loans, business student loans, foreign exchange study loans, consumer car loans, personal business loans and military/armed police housing provident fund loans. Different regions support different types of loans. Please select details from the drop-down menu.
3. Online loan application has two functions: loan application and application progress inquiry.
You can submit your loan intention to our bank through this function, and the relevant staff of our bank will get in touch with you after successful submission.
The above contents are for your reference. Please refer to the actual business regulations.