Good car loan, warm reminder:

Review the procedures for loan purchase.

1. Pre-loan investigation: the loan applicant carefully fills in the Pre-loan Pre-examination Form and submits it to the bank for preliminary examination.

2. The bank initially completed the loan qualification examination of the applicant through the "Pre-loan Pre-examination Form". For applicants who meet the bank loan standards, the bank informs the loan applicants to prepare personal loan application materials.

Materials for handling loan and car purchase procedures

1. Personal loan application;

2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;

3. Household registration certificate or long-term residence certificate;

4. Personal income certificate, family income or property certificate when necessary;

5. Certificate of intention to buy a car issued by the car dealer;

6. Proof of down payment for car purchase;

7. If the purchased vehicle is secured by other means than mortgage, the relevant materials of the guarantee shall be provided, including the pledge certificate, the ownership certificate and evaluation certificate of the mortgaged real estate, and the letter of intent for third-party guarantee, etc.

8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the vehicle's affiliation agreement and lease agreement with the transport fleet;

9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a car purchase intention certificate and a vehicle evaluation report issued by an evaluation agency recognized by the bank; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.

Four details of handling loan and car purchase procedures

Detail 1: Interest-free car loans are subject to handling fees.

At present, many auto financing companies have launched interest-free car loans, but the regulations on handling fees are different, some need to be charged, and some don't. If the car you want to buy is interest-free and fee-free, it is still relatively affordable. If you need to charge a handling fee, you must carefully calculate and measure it. The handling fee of car loan is generally between 4% and 7% of the total car payment, and the handling fee is paid at the same time as the first month payment. If the handling fee is too high, consider other types of car loans.

Detail 2: Read the relevant insurance clauses carefully before handling the loan and car purchase procedures.

Buying a car with a loan is to mortgage the car to the bank. The car belongs to the bank before you pay off the bank loan. In order to reduce the risk, banks generally require you to buy some auto insurance as a loan condition in the car loan contract. The premium of these insurances may not fully meet your requirements, and may even be too high, so you must read the relevant insurance clauses carefully when applying for a car loan, and you can't ignore this cost.

Detail 3: There are many restrictions on buying a car with a zero-interest loan.

Many manufacturers and car loan agencies have introduced interest rate loans to buy cars, especially some high-end cars. However, there are two restrictions on buying a car with a general interest rate loan: first, you can't enjoy the cash discount for activities related to zero interest rate, and sometimes the amount of these cash discounts is quite large; Second, buying a car with interest rate loans is easily restricted by time, region and dealers, and it is not always a unified activity. If you want to buy a car with an interest rate loan, the above two aspects must be considered comprehensively.

Without guarantee, Ping An Bank's new loan is preferred, and formal bank lending is trustworthy.

Detail 4: Carefully consider the floating car payment and loan interest rate before going through the formalities of loan car purchase.

Generally speaking, if it is an interest-free loan, the car price will always rise to a certain extent, and the price of cash car purchase and loan car purchase cannot be the same.

2. What are the conditions for Hefei foreign account loan to buy a car?

The down payment for foreigners to buy a car in Hefei must reach at least 30% of the car price, and at the same time, more than 40% of the down payment needs to be prepared in the early stage. At the same time, the loan period for buying a car is generally three years, and it cannot exceed five years at most. Borrow more than. Conditions for foreign hukou to buy a car with a loan in Hefei: (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) Car purchase contract or agreement approved by the individual lender; 6. Anhui Tianchang Investment Co., Ltd.

3.202 1 What are the conditions for the transfer of Hefei automobile in Anhui?

No matter after or before the new regulations, license plates are not allowed to be transferred. At present, the vehicle license plate is transferred with the owner, not with the vehicle, so it is impossible to transfer it with the vehicle, let alone transfer it separately. At present, license plate transfer only exists between husband and wife, or between immediate family members. In other cases, it is not allowed to resell the license plate, and the owner can choose to scrap or keep it. According to the latest regulations, the conditions for retaining the original license plate are as follows:

1, the original license plate can be retained after one year of vehicle use, and the retention time can reach 1 year;

2. The original license plate can be retained when the vehicle is transferred, cancelled or moved out;

3. Both used cars and new cars can be reserved;

4. Deal with the traffic violation record of the original vehicle.

Two, the following four types of cars can not be transferred.

1. The vehicle identification code is inconsistent with the hood code.

Cars with different identification codes and hood codes are generally cars of unknown origin, usually smuggled or modified cars. Even if you buy it, you can't get a license, and you can't transfer it.

2, failed to pass the environmental inspection standards.

From 20 18, the fourth national emission standard will be implemented. Even if you buy a car from the previous country, you can't get a license plate. However, with the increasingly stringent environmental protection standards, the National Sixth is also close behind. Try to buy a vehicle above the national standard five.

3. There is no vehicle certificate.

The certificate of approval is another important certificate of the car, and it is also a necessary certificate when the car comes to the door. Without a certificate, it is impossible to transfer ownership. Some 4s stores generally mortgage the certificate to the bank for loans, so when buying it, be sure to ask if the certificate comes with the car.

4. The rack number does not conform to the regulations.

Every car has its own unique frame number, just like everyone's ID card. There are many car thieves and robbers. When forging a license plate number, the frame number will be modified. If you want to avoid the traffic police's inspection, this kind of car can't be transferred.

Three. 202 1 vehicle transfer procedures

Prepare information

Seller (original owner)

1. Original and photocopy of owner's ID card/original and photocopy of manager's ID card.

2. Original and photocopy of motor vehicle registration certificate

3. Original and photocopy of motor vehicle driver's license

4. Original and photocopy of the original car purchase invoice (Honglian) or the last transfer invoice (Honglian)

5, purchase tax payment certificate

6. If the seller is an organization, the original and photocopy of the organization code certificate (with official seal) shall be provided.

Buyer (new owner)

1. Original and photocopy of new owner's ID card/original and photocopy of manager's ID card.

2, motor vehicle registration, transfer, cancellation registration form/transfer application form

3. If the purchase is restricted in the city, the original and copy of the winning result should be prepared.

4. If the local license is registered in a foreign country, you need to prepare a temporary residence permit.

5. If the buyer is the unit, the original and photocopy of the organization code certificate (with official seal) shall be provided.

Basic process

1. Go to the second-hand car trading hall, show relevant materials, receive the second-hand car sales contract and fill it out. This contract is made in triplicate, one for the seller, one for the buyer and one for the industrial and commercial department;

2. Drive the car to the vehicle inspection office for vehicle inspection, extension of registration, card withdrawal, photo processing, and fill in the inspection record form. After that, you can park your car in the parking lot and go to the transfer hall for formalities. This process has to pay an expansion fee;

3. Line up at the toll window of the transfer hall and pay the transfer fee (the longer the service life, the smaller the exhaust volume and the cheaper the transfer fee);

4. Go through the relevant formalities at the transfer acceptance window. You need to fill in the registration form/transfer application form for motor vehicle registration, transfer and cancellation before handling;

5. After completing the transfer acceptance and getting the receipt, you need to pay the license fee at the next window;

6. The following flow chart is the number selection, new license plate, new driving license and registration certificate.

The vehicle cannot be transferred under the following circumstances

1, refitting, modifying or changing the weight of goods and the number of passengers without authorization;

2. Reaching retirement age (if the car is in good condition, it can be transferred after passing the special inspection, but it is not allowed to transfer;

3, the new car into the home less than three months (less than two years after the initial registration of imported cars, except for the judgment);

4. There is no "declaration license certificate" for the purchase of the accused vehicle;

5. The seal of the applicant owner does not match the seal of the original registered owner;

6, illegal, accident handling closed or public security have doubts about the closed vehicle;

7, did not participate in regular inspection or inspection unqualified;

8. Imported cars are under customs supervision and have not been released from supervision;

9, the people's court notice of freezing or mortgage is not full.

4. What are the conditions for Hefei car loan?

To apply for a car loan in Hefei, you need to meet the following conditions: 1, 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.