Car loan.
What are the procedures for buying a car with a loan?
First of all, you need to know the basic conditions for handling personal car loans:
/kloc-citizens over 0/8 years old with full capacity for civil conduct.
Have legal identity documents, local permanent residence or valid residence certificates.
This is the basic condition for handling car loans. Let's take a look at what procedures are needed to buy a car with a loan.
Secondly, the process of buying a car with a loan:
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.
3. The bank will examine and approve the loan application that meets the loan conditions through preliminary examination and credit investigation.
4. If it is approved, notify the borrower to go through relevant procedures such as contract signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower.
5. 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.
Finally, I need to know the information I need to get a loan to buy a car.
1: personal loan application
2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, passes for compatriots from Hong Kong, Macao and Taiwan, etc. If the borrower is married, the identity certificate of his spouse should be provided.
3. Household registration certificate or long-term residence certificate
4. Provide personal income certificate, family income certificate or property certificate when necessary.
5. Certificate of intention to buy a car issued by the car dealer.
6. Loan to buy a car down payment certificate
7: If the purchased vehicle is secured by other means than mortgage, it is necessary to provide relevant materials for the guarantee, including pledge certificate, certificate of ownership and evaluation of mortgaged real estate, and 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 assignment agreement and lease agreement for the vehicle to be assigned to the transportation fleet.
9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by CCB; Vehicle ownership certificate of the vehicle seller, motor vehicle registration certificate of the traded vehicle, annual inspection certificate of the vehicle, etc.
The more common the loan consumption pattern is, the more cautious the novice should be when handling the loan to buy a car, and watch the formalities carefully. In order to avoid the latter causing unnecessary trouble after the loan.