1. borrower's scope:

Generally, the borrowers are non-agricultural registered permanent residence borrowers with stable income in six districts of Jinan (Shizhong District, Lixia District, tianqiao district District, Huaiyin District, Licheng District and Changqing District). Borrowers who have registered in agricultural registered permanent residence or other places and have worked in Jinan for a long time and have a stable income must own real estate with complete or restricted property rights in six districts of Jinan.

the professional requirements of the guarantor must be eight professionals: civil servants, personnel of public institutions, electric power, Jigang, middle-level cadres of large enterprises, teachers, hospitals and financial enterprises.

Guarantors belong to eight professions and can guarantee customers. The lender is required to be registered in Jinan and have a stable professional income.

necessary elements: the lender meets the requirements, the guarantor belongs to eight occupations, and a guarantee company is required if the qualifications of the lender and the guarantor are not perfect.

during the loan period, the lender will mortgage the vehicle with the bank.

since the vehicle mortgage and the bank are not completely owned by the lender during the loan period, four basic insurances must be purchased.

the guarantee fee paid by the lender to the guarantee company is 1% of the loan amount every year, and 3% in three years.

Motor vehicle loan process:

1. Find out the basic situation of the customer by telephone and whether the customer meets the loan conditions;

2. notify the bank and the bank will confirm the customer information.

2. After confirming that the lender meets the loan conditions, the lender shall provide the documents required by the bank:

the household registration book and identity card of both husband and wife;

marriage certificate or unmarried certificate;

copy of real estate license;

proof of income: proof of income of the lender's husband and wife and the guarantor.

private enterprises:

business license, tax registration certificate, three-month tax payment certificate, and try to provide proof of assets, including real estate license, negotiable securities, vehicle driving license and property certificate.

3. The customer pays the car dealer 3% of the down payment, and the car dealer issues a receipt certificate to be used as the next loan procedure for the customer.

IV. Documents required by the lender to fill in the bank:

1. Personal income certificate of the loan applicant:

Proof that the lender is an employee of the unit, his income status, and the official seal, contact person and contact telephone number of the unit.

2. The income certificate of the spouse of the loan applicant

proves that this person is an employee of this unit, his income status, official seal of the unit, contact person and telephone number.

3. Personal income certificate of the loan guarantor

It proves that this guarantor is an employee of this unit, his income status, official seal of the unit, contact person and telephone number.

4. Single certificate:

The official seal of the unit or the seal of the personnel department, which proves that the lender is single.

5. Letter of underwriting:

To the bank, the guarantor guarantees for the lender, with a form of the guarantor's basic economic situation attached, and a Guarantee Contract is signed in the bank.

6. application form for automobile consumption loan from XXX bank (individual)

the lender's application for loan from the bank shall be used as the lender's loan statement.

7. Authorization for Transfer

After the contract is signed, the bank will transfer the loan to the lender's bank account.

8. Power of Attorney for Entrusted Transfer

To the bank, the lender entrusts the bank to transfer money from my bank account on a certain day of each month during the loan period to repay the loan principal and interest and related expenses.

9. Application form for motor vehicle mortgage/cancellation of mortgage registration

Lender mortgages the vehicle constructed by the loan to the bank

1. Personal automobile consumption loan contract

About the loan contract between the lender and the bank. The lender, the guarantor and the bank meet and sign the loan contract.

5. Bank personnel come to investigate the actual situation of the lender.

The investigation includes real estate, work, etc. If everything is true, they will transfer money to buy a car.

VI. The lender and the bank personnel or the client go to the notary office for notarization. Prove that the loan and contract are true and effective.

VII. The vehicle is mortgaged in dmv, and the vehicle is mortgaged to the bank.

submitted to: leaderboard circle reading (49)| comment ()| collection ()| print | report.