1. First, the lender needs to prepare proof materials such as ID card, residence certificate, work certificate and loan purpose certificate, go to a bank, fill out an application form and fill out a contract.

2. Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If the loan is unsecured, there is no need to sign such a contract.

3. Secondly, banks issue loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.

4. Finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up note issued by the bank. Note: In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license, etc.

First of all, there are many kinds of personal loans, which are only classified according to whether there is collateral or not, and are divided into mortgage loans and unsecured credit loans. The following is a brief analysis and explanation of these two loans:

1. Unsecured credit loan, which we refer to as credit loan for short, is a pure credit loan issued by the bank to individual customers solely based on the nature of the company, wages, social security accumulation fund, etc. There will also be a concept of consumer loans. Of course, there is no direct difference between these two concepts.

2. Mortgage loan, here mainly refers to housing mortgage loan, and of course there are also vehicle mortgage loans. I won't describe it in detail here. Mortgage loans are divided into mortgage commercial loans and mortgage consumer loans, and the amount of mortgage consumer loans generally does not exceed 1 10,000. Mortgage loan refers to the loan to use personal housing for company operation. As the name implies, a company is required to be established in the name of itself or immediate family members, including husband and wife, parents, children, brothers and sisters, etc. Mortgage can also be divided into primary mortgage and secondary mortgage, that is, mortgage is called secondary mortgage. Let's see how to operate a mortgage:

Valuation, according to the cost of the house, is evaluated by the appraisal agency, including the amount, interest rate, years, etc. You can probably calculate what you can borrow. Face-to-face signing, face-to-face signing in the bank, you need to provide relevant materials such as room books. If there is no company, start to operate the company, such as changing shareholders or legal persons, or newly registered companies. , depending on the requirements of the bank. After the bank approves the loan, the house is mortgaged and notarized. Lending and loan processing are over.