What should you do if you want to get a loan to buy a car? The following describes the process of buying a car with a loan.

1. Go to the distribution point and consultation point first to see what needs and information you need.

2. Submit the information provided to the dealer for preliminary examination;

3. Select the vehicle type and sign a car purchase contract with the dealer;

4. Deposit the down payment into the designated account and submit an application for automobile consumption loan to the bank. The general down payment is 20% of the car price;

5. The bank accepts and approves the application and signs the loan contract;

6, insurance, mortgage registration, notarization and other procedures;

7. The dealer handles the vehicle entrance and delivers the vehicle;

8. According to the provisions of the loan contract, repay the loan principal and interest directly to the bank on schedule.

Dealers generally implement "one-stop" service. After paying the down payment, items 5, 6 and 7 will be handled by the dealer and the car will be delivered to me within 3-5 working days. We just need to repay the bank loan on schedule in the future.

Materials to be submitted for car purchase by loan (taking Beijing as an example):

(a) "unsecured" car purchase, without providing guarantor information.

Car buyers need to provide:

1, ID card, household registration book, residence certificate and income or labor certificate of the buyer; 2. Two one-inch recent photos.

The income certificate needs to be stamped with the official seal of the unit or the original official seal of the labor department. Residence certificate refers to your real estate license, purchase contract, formal lease contract or the certificate issued by the housing management department, the police station, neighborhood Committee and property management company in the jurisdiction.

(2) For the "guaranteed" car purchase, in addition to the information mentioned in (1), the car buyer shall also provide the guarantor's information, including the guarantor's ID card, household registration book, residence certificate and income or labor certificate;

The guarantor can be the spouse of the car buyer. If you are a husband and wife, you don't need to provide a marriage certificate, otherwise you must provide a marriage certificate. However, if it falls into one of the following circumstances, you need to provide another guarantor: non-Beijing resident account; Over 60 years old; No work unit; No spouse, etc.

Matters needing attention in loan car purchase

1. Determine the loan amount according to your own situation and prepare various relevant materials.

At present, banks have strict control over the issuance of auto loans. A banker said that measures such as increasing the down payment ratio and more detailed information review have restricted some consumers from buying cars, but this has little impact on qualified users. Consumers can borrow money to buy a car as long as they have all the information ready and meet the requirements of the bank.

2. Living in a dormitory, people without real estate license are not suitable for staging.

In fact, many dealers have taken preventive measures against car loan risks. According to the person in charge of sales in a specialty store, people living in dormitories have risks in mortgage guarantee because they don't have real estate license. Generally, we don't recommend them to make credit consumption, because even if they make credit consumption, they can't go to the bank for examination.

Another dealer said that installment loans are mostly for 3 years or 5 years, and there are very few loans in general 1 year. The reason is still from the perspective of consumers: after all, there are only a few people who can make a down payment of 80% to 90%. Since they have that strength, they will pay it off in one breath; So many down payments are 40% and 50%. This kind of loan sharing 1 year is of little significance. On the one hand, the total repayment amount is large, on the other hand, the monthly expenditure is too heavy.

The purpose of home visits by guarantee companies to lenders is also to avoid guarantee risks.

At present, many guarantee companies and banks are sensitive to real estate licenses. Icbc people said that in the past, if lenders lived with their parents, they could issue their parents' real estate licenses, but now this kind of credit is very risky. If the real estate license is not the lender's own name, the bank will be very cautious. In the dealer's words, people who live with their parents will find it difficult to get loans if they don't have real estate.

3. Half of the total salary of husband and wife can't be less than the monthly repayment.

In addition to the constraints of real estate, monthly supply has also become the threshold for banks to increase lending. A person from a guarantee company said that if they are married, consumers must produce the identity certificate, income certificate and marriage certificate of both husband and wife when they visit. The purpose of this is to ensure that "half of the total salary of both husband and wife can repay the monthly loan." If one of the spouses has strong economic strength, it is not necessary to issue the information of the other spouse to the guarantee company. For risk reasons, we will ask them to provide information about both husband and wife. "

After all the formalities for car purchase are completed, the guarantee company or credit company will impound the original of "Motor Vehicle Sales Invoice, Purchase Tax Invoice, Motor Vehicle Registration Certificate, Insurance Invoice and Motor Vehicle Insurance Sheet" of the vehicle, and the consumer can keep a copy and exchange it with the guarantee company after all the loans are paid off. In fact, when consumers buy cars for industrial and commercial verification, the industrial and commercial bureau will stamp the sales invoice for confirmation, so as to ensure the legality of the purchase and ensure that they can enter the next circulation link-the used car market. "So the most important thing is the first three documents. Without them, vehicles cannot enter the used car market, and the seizure of the guarantee company can avoid the risk of selling vehicles during the repayment period. "

4. Insurance must be provided before vehicle mortgage registration.

"After paying the purchase tax, you must go through the formalities of vehicle mortgage registration at the vehicle management office. The vehicle management office requires that it must be done by itself and the vehicle must be insured. " A staff member said, "You should bring a formal copy of the policy. The license plate number on the policy can be empty, but you can register the chassis number and engine number of the vehicle."