Buy a car by mortgage, and pay a down payment when you have the intention to subscribe.

Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also called auto mortgage.

Object of loan: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.

Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability.

Loan amount: The maximum loan amount generally does not exceed 80% of the price of the purchased car.

Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years.

Loan interest rate: uniformly stipulated by the People's Bank of China.

Repayment method: you can choose one-time repayment method of principal and interest and installment repayment method (equal principal and interest, equal capital).

An auto financing or guarantee company, as a guarantor who repays the principal and interest of the loan and assumes joint liability, is a third party with sufficient compensation capacity.

Second, what are the conditions for buying a car by mortgage?

1. What are the mortgage terms for buying a car?

1. The conditions for buying a car by mortgage are as follows:

(1) has valid identification and full capacity for civil conduct;

(2) can provide

(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) Provisions of cooperative institutions

2. Legal basis: Article 11 of the Measures for the Administration of Automobile Loans

The lender shall establish the borrower's credit file. The borrower's credit file shall include the following contents:

(1) The name, address, valid identification and contact information of the borrower;

(2) The income of the borrower

(three) the purchase agreement, car model, engine number and frame of the purchased car.

(4) The amount, term, interest rate, repayment method and guarantee of the loan;

(5) loan collection records;

(six) other information needed to prevent loan risks.

Second, what materials do you need to buy a car mortgage?

1, ID cards of myself and my spouse;

2. Me and my spouse.

3. Marriage certificate;

4, I and my spouse's income certificate;

5. Real estate license;

6. driver's license;

7. Details of the bank statement issued in the name of an individual.

3. What is the process of buying a car by mortgage?

1. The lender submits detailed 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 auto lenders; 4. If it passes the preliminary examination and credit investigation of the bank, the loan application is approved; 5. After the customer's qualification and information are approved, you can sign a contract, go through mortgage registration, insurance and other procedures, sign a vehicle loan mortgage contract, one for the bank and one for the customer, and also sign an automobile sales contract, one for the dealership, one for the customer and one for the bank; If it fails to pass the examination and approval, the bank will explain to the borrower; 6. After the loan contract comes into effect, the handling bank will issue the loan, and the whole approval process will take 3-5 working days. The bank adopts the method of earmarking, that is, according to the contract, the handling bank directly transfers the loan to the 4S shop account where the borrower buys the car. 7. Handling car pick-up procedures: the borrower pays the down payment to the car dealer, handles the car pick-up procedures with the car pick-up form issued by the bank, puts on the license, and submits the car license, invoice, insurance policy, driving license, ID card and household registration book to the bank. After the mortgage, the bank will return the driving license, ID card and household registration book.

4. Where should I pay the mortgage when I buy a car?

Buy a car and mortgage it to the bank.

To buy a car by mortgage at 4s point, you must first sign a loan mortgage agreement with the cooperative bank of 4s shop, determine the date of mortgage repayment every month, pay the down payment for car purchase, go through customs formalities, and buy various insurances for a new car according to the needs of the bank (because the car is bought by mortgage, the car is in your name and the ownership of the car is still in the bank). The bank can drive home after leaving a large copy of the car certificate to the public security traffic control department for mortgage.

After the mortgage payment is paid off, you go to the bank to get the proof of payment, go to the public security traffic control office to understand the mortgage procedures and get back the big book, and the ownership of the car will really be yours.