1. Apply for a car loan. After the applicant is optimistic about the vehicle to be purchased, he/she needs to fill in the Application Form for Automobile Consumption Loan and the Credit Investigation Form, and submit them to the loan bank together with relevant certificates of personal situation.

2. After receiving the application, the bank will conduct pre-loan investigation and approval.

3. After examination, the bank informs the borrower to fill in various forms, as well as loan contract, guarantee contract and mortgage contract, and go through mortgage registration and insurance procedures.

4. Banks issue loans.

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.