First of all, let's talk about the specific process of loan car purchase: choose the right model and sign a car purchase contract with the dealer. Fill in the application form of automobile consumption loan and provide relevant information. The dealer shall submit it to the bank after passing the preliminary examination. Banks accept and conduct pre-lending surveys. Go through the formalities of loan, mortgage and notarization. According to the agreement, the dealer handles vehicle insurance, household registration and other procedures and delivers the vehicle. According to the loan contract, the customer directly repays the loan principal and interest to the bank on schedule. The real "journey" in the above seven steps is the second and fifth steps, in which the departmental procedures involved are the most complicated and the actual operation is the most difficult. What is the specific process of buying a car with a loan? As consumers, we should first analyze our income and expenditure, and then choose the appropriate loan method, so as to balance financial management and relieve pressure. When inquiring about the car loan from the bank, some banks directly recommended him to buy a car with a credit card. Most credit card installment cars are "zero interest" and "zero down payment". After calculation, the total expenditure is less than the car loans of banks and finance companies, which is very favorable. However, the initial handling fee is not small. The loan term is usually fixed at one or two years. Too short a term will increase the pressure on monthly supply.
2. What are the procedures for buying a car with a loan?
The process of handling personal automobile consumption loan is as follows: go to the dealer to select the car to buy, and sign a car purchase contract or agreement with the dealer; The required materials are: individual: loan application; Valid identity documents; Proof of occupation and income and basic information of family; Car purchase contract or agreement; Proof of down payment; Certificates or documents required for the guarantee; Other conditions stipulated by the lender. The borrower shall take full responsibility for the authenticity and legality of the materials provided. The Bank of China shall give a reply within two days after the application is submitted and the information is complete. After approval, a mortgage contract and a loan contract need to be signed. The guarantor needs to sign a guarantee contract. At this time, you can borrow money to pick up the car. After picking up the car, the guarantee company cooperated by the bank will assist in purchasing insurance and listing. With the assistance of the guarantee company cooperated by the bank, the borrower can go through the formalities of contract notarization, vehicle mortgage, etc., and the down payment is more than 30% of the vehicle price. The longest loan period is three years. If both parties are institutions, government agencies, doctors and other occupations, the loan period can be extended according to the situation. The interest rate generally adopts the benchmark interest rate, and sometimes it goes up, depending on the materials provided and the approval of the superior bank. Jinan 13869 124409
Third, Great Wall Motor's internal employee loan car purchase process?
The general steps of buying a car with a loan are as follows:
Book a car first;
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;
In general, the 4S store will inform you after obtaining the consent form.
The customer picks up the car and gets the card;
Information after playing cards.
A few days after the mortgage (usually see the bank)