4s shop loan car purchase process
1. Book a car first.
2. Handling the loan formalities in the 4S store includes providing information and signing the loan details.
3. Wait for the loan agreement of the bank to give the loan to the 4S shop.
4. After getting the consent form, the general 4S shop will inform the customer to pay the down payment.
5. The customer holds up the car card.
6. After the card is completed, the information is mortgaged to the bank.
7. I usually go to the bank a few days after the mortgage. Some people will pay the 4S store faster, while others will pay later.
Since you mentioned that the loan procedure has been completed and the car has come down, that means:
1, the bank has paid the money to the car dealer;
2. You become the owner;
3. At the same time, you have become a borrower and should fulfill your repayment obligations in accordance with the loan contract;
It's your problem that you don't take the bus. Even if you don't take it for a lifetime, you should continue to pay back the car loan.
5. You should pick up the car as soon as possible to avoid unnecessary losses;
6, as soon as possible to raise money to repay, especially the overdue part, with high interest.
You can choose a dealer who has the qualification to cooperate with the bank to buy a car and sign a car purchase contract, which is the 4s gang. Handling loan procedures in 4s shop: including providing information and signing loan details; Waiting for the loan agreement of the bank to give this loan to the 4s shop; After obtaining the consent form, the general 4s shop will inform the customer to pay the down payment; The customer picks up the car and gets the card; After the card is completed, the information is mortgaged to the bank; A few days after the mortgage (generally according to the bank's audit), the money will be paid to the 4s shop.
The process of applying for a credit card loan to buy a car at ICBC is mainly like this. First of all, you have to sign a car purchase contract with the car dealership, and then take this car purchase contract to ICBC to apply for a car loan. After receiving your application, the bank will ask you to provide relevant information, and then the bank will approve your information after receiving it. After the general approval, the loan will be released. In this case, the whole process will take 3-5 days at the earliest. If it is slow, it may take about 10 days and a half. Just wait patiently. To apply for a car loan credit card in ICBC, you need to have certain conditions, mainly including legal and valid identity certificate, marital status certificate and household registration certificate of the city where the loan is located, a stable source of income and the ability to repay the principal and interest of the loan in full and on time, a good credit record, and the down payment for the purchased car. First of all, you have to see if you meet these conditions. Generally speaking, if your information is complete, it usually takes about a week to apply. If it is found that it has been delayed, it may be that the audit failed.