It usually takes half a month to buy a car with a loan.

After the approval, customers need to go to the business outlets of banks (auto consumption finance companies) to sign loan contracts, handle mortgage and other related procedures within the agreed time, and then they will enter the lending process. It usually takes three to seven working days from car loan approval to loan release.

If the approval result of the auto loan is delayed or the loan is delayed after the approval of the auto loan, the customer can take the initiative to call the handling bank (auto consumption finance company) to consult the customer service.

Loan car purchase process

1. First, find a financial institution willing to provide loans. Many brands of cars have their own finance companies. If there is no dealer, they will recommend them.

2. Find the financial institution that provides the loan, and then prepare the capital proof materials, including: real estate license, work certificate, social security certificate, household registration book, ID card, personal credit certificate issued by China People's Bank, and personal bank account in the last three months.

3. The whole loan approval process takes about 15 working days. Some vehicles need to pay part of the down payment, so you need to prepare some cash.

Now the price of vehicles is relatively cheap, and many people have little pressure to borrow money to buy cars, so it is very common to handle them, so it takes a relatively short time. However, for those who are not clear, you should carefully look at the content of this article to be more clear. Please consult a professional lawyer if you have any other questions.

How many years does a car loan usually last?

The longest period for applying for car loan is no more than 3 years, and the interest of car loan = loan amount × time × interest rate. Under normal circumstances, the interest rate of auto loans is between 5% and 10%. Of course, if the user has good credit qualification, the bank will reduce the loan interest rate as appropriate, and if the user has overdue risk, the loan interest rate will be higher than himself, depending on the actual situation. Auto loan interest rate refers to the loan interest rate that people use when they borrow money to buy a car. It is a specific auto loan interest rate agreed by the lender and the borrower according to the legal loan interest rate and the floating range stipulated by the People's Bank of China, and it is stated in the loan contract.

The interest of auto loan contract is related to interest rate and repayment method. The medium and long-term loan interest rate of the bank for one to three years (inclusive) is 4.75%. If the auto loan is 654.38 million yuan and the loan period is three years, the interest to be repaid is:

1. Equal repayment of principal and interest: the repayment method is to pay the same amount every month. 65,438+10,000-car loan with 3-year equal principal and interest is calculated as 749 1.438+0 yuan.

2. Equal principal repayment: the repayment method is the most in the first month, the least in the last month, and the same principal is paid every month. The interest on the 3-year car loan of 654.38 million yuan is 7322.92 yuan according to the average capital.

Short-term loans refer to loans with a loan term of 1 year (inclusive). Short-term loans are generally used for the liquidity needs of borrowers in production and operation. The currencies of short-term loans include RMB and major convertible currencies of other countries and regions. The term of short-term working capital loans is generally about half a year, and the longest is no more than one year; Short-term loans can only be extended once, and the extension period cannot exceed the original period. The loan interest rate is determined according to the interest rate policy formulated by the People's Bank of China and the floating range of the loan interest rate, and according to the nature, currency, use, method, term and risk of the loan. The foreign exchange loan interest rate is divided into floating interest rate and fixed interest rate. The loan interest rate is indicated in the loan contract, which customers can check when applying for a loan. There is a penalty interest for overdue loans. The advantages of short-term loans are relatively low interest rates and relatively stable supply and repayment of funds. The disadvantage is that it cannot meet the long-term capital needs of enterprises. At the same time, because short-term loans use fixed interest rates, the interests of enterprises may be affected by interest rate fluctuations.

How long does it take for a bank car loan?

Nowadays, many friends will choose to apply for a bank car loan when buying a car. Some friends want to know how long it will take for a bank car loan before applying for a loan.

The examination and approval procedures for bank auto loans are complex, usually taking five working days or a week, which requires relatively high requirements for the lender's occupation, income and credit. When a car buyer applies for a car loan from a bank, the information he needs to submit and the bank's audit process are very strict. However, the strict examination of customers by banks does not mean that customers cannot apply for loans at banks. Generally speaking, professional groups with stable incomes such as civil servants, teachers and employees of well-known enterprises are more likely to be approved.

If you are in a hurry, you can choose an auto financing company or an online auto loan platform. It takes everyone two or three days to get a loan from an auto financing company. Judging from the online car loan platform, everyone can get a loan on the same day at the earliest.

How long can the car loan come down?

Under normal circumstances, the auto loan will be paid in a week or so, and the lender needs to pay according to the specific collection time. The review of car loans is still relatively fast. The speed of auto loan review will be determined according to the completeness of the information submitted by the lender. The more complete the information submitted by the lender, the faster the audit will be.

The speed of car loan arrival is related to the loan channel. Because banks handle auto loans for lenders according to formal procedures, it takes a long time to get the accounts. Online car loan processing is relatively fast, and the loan arrives in 2 hours at the earliest.

After the car loan arrives, you need to pay attention to the car loan period. The loan period for passenger cars is generally not more than 3 years, and the longest one that meets the corresponding conditions is not more than 4 years. The loan period of trucks and engineering vehicles is generally not more than 2 years, and the longest one that meets the corresponding conditions is not more than 3 years.

Materials needed for car loan: loan application; The original ID card, household registration book or other valid residence certificate of the loan applicant and spouse, and provide a copy; Proof of professional and economic income and basic family situation; Car purchase agreements or contracts signed with dealers, etc.

After the mortgage/pledge contract or guarantee contract comes into effect and the corresponding mortgage/pledge procedures are fulfilled, the lending institution will transfer the loan to the designated dealer account according to the authorization and supervise the use. Lenders can consult the lending institution about the specific time when the car loan will arrive.

How long does it take to get a car loan?

There is no special regulation on the time of loan issuance, and different loan issuance times are also different. It depends on the actual situation of the borrower, the lending institution applying for the loan, the application time of applying for the loan and other comprehensive factors. Under normal circumstances, the fastest borrower can get the money within one day if he applies for a credit loan. However, this situation can be achieved through loan companies or loan intermediaries.

If you apply for a mortgage, the time is uncertain. The fastest 3-4 days loan, the slowest 10 days or even 1-2 months loan. In short, it is relatively slow to apply for loans directly from banks, but it is faster to apply for loans through other lending institutions other than banks.

Therefore, the speed of lending depends on which institutions the borrower handles it. Under normal circumstances, the approval speed of applying for loans from banks is slow, because banks have strict requirements on the qualifications of borrowers, so the lending speed will be slower.

Extended data:

Automobile loan process

1. Buy a car from a dealer who is qualified to cooperate with the bank and sign a car purchase contract. In the contract, it is necessary to indicate the required car price, taxes and insurance payment methods, as well as the proportion of remaining mortgage loans.

Fill in the loan application form at the dealer (or bank), and pay attention to the loan amount and term.

2. Take relevant documents (usually ID card, marriage certificate, income certificate, driver's license-it can also be someone else's, driver's license, vehicle registration certificate) and your spouse (if any) to go to the bank with the dealer.

3. Sign the loan contract, chattel mortgage list and other related documents in the bank, check the loan amount with the bank staff again, and calculate the mortgage amount and performance guarantee insurance for each period according to the loan amount.

Note here: If you have time, you can wait for the bank staff to finish all the contracts and check them correctly before signing them, but you may have to go to the bank several times. The contract cannot be changed.

4. 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 you don't have to worry at this time. Banks and dealers usually prepare it, such as contracts, mortgage lists, vehicle engine numbers and frame numbers, and vehicle registration certificates. After processing, dmv will print your mortgage amount and beneficiary's bank on the vehicle registration certificate.