Fifteen days
Secondly, a new car can be loaned for several years.
New car loans can be borrowed for up to 5 years. However, different models can borrow different years. Please refer to the year notified by the 4S shop for details. In addition, the longer the loan term, the more interest users need to pay. Therefore, when users choose the loan term, they must choose the term that suits them, instead of trying to choose a longer loan term. In addition, after the new car loan, users need to buy all insurance in the first year, so the insurance cost is not small for users. Car loan, commonly known as "car loan", is a major consumption form of modern car purchase. Refers to loans granted by lenders to borrowers for purchasing automobiles (including used cars), including personal automobile loans, dealer automobile loans and institutional automobile loans. The auto loan interest rate shall be implemented in accordance with the loan interest rate regulations published by the People's Bank of China, and the interest settlement method shall be determined by both borrowers and borrowers through consultation. The loan term of auto loan (including extension) shall not exceed 5 years, of which the loan term of used car loan (including extension) shall not exceed 3 years, and the loan term of dealer auto loan shall not exceed 1 year. Lenders and borrowers should follow the principles of equality, voluntariness, honesty and trustworthiness. Edit and broadcast the process 1, and select the products that need car loan; 2. Apply for universal car loan packages and services on the spot according to your own situation; 3, the staff for loan review and approval; 4. The store signed a contract to pick up the car; The application requires editing and broadcasting the second-hand car loan business run by the bank, requiring the borrower to have a legal occupation, stable income, timely repayment ability and good personal credit. If you can prove that you own real estate locally, the borrower's loan application will be more secure. Take Beijing as an example. Applicants must have Beijing hukou, ID card and permanent residence. /kloc-citizens aged 0/8 to 60; Need to have a stable job and a stable income. The materials to be prepared for applying for a loan include: the identity card of the car buyer; Household registration book; Housing certificate; Proof of income: the monthly income must be twice the monthly repayment; Two recent one-inch photos. If the buyer is married, he needs marriage certificate and spouse certificate. Editing and playing of process 1 Car buyers go to the bank outlets for consultation, and the outlets recommend the special dealers who have signed the Cooperation Agreement on Second-hand Car Consumption Loan with the bank. 2. Go to the dealer to choose the used car to buy, and sign a car purchase agreement with the dealer to clarify the model, quantity and color. 3. Apply for a loan at a bank outlet. The necessary materials for applying for a loan at a bank outlet include: personal loan application, valid identity documents, proof of occupation and income, basic family status, car purchase agreement, supporting documents required for guarantee and other conditions stipulated by the lender. 4. The bank will review the user's credit, notify the car buyers within 15 working days after the loan application is accepted, and sign the Second-hand Automobile Consumption Loan Contract with the borrowers who meet the loan conditions. The maximum loan amount for second-hand car consumption does not exceed 60%~80% of the car purchase price (different lending banks), and the longest loan period does not exceed three to five years (different lending banks, taking Beijing as an example, must make a down payment of 50% for second-hand car loans, and the longest loan period is three years). 5. Sign loan and guarantee contracts. If the applicant meets the loan conditions, the bank will sign a loan contract and related guarantee contract with him. Guarantee method and corresponding procedures: (1). If the user provides a third-party joint and several liability guarantee (except banks and insurance companies), the guarantor signs a guarantee contract with the bank, and the insurance company can also provide joint and several liability performance guarantee or the bank can provide a letter of guarantee. (2) The user should sign a mortgage or pledge contract with the bank to guarantee by mortgage or pledge. If the house is mortgaged, it must be appraised and confirmed by the designated appraisal institution, and the bank and mortgagor shall go through the mortgage registration at the real estate registration office of the county where the house is located, and the contract will take effect after obtaining the property right certificate. If it is pledged, the pledge contract will take effect after it is handed over to the bank together with the certificate of rights. (3) After the above procedures are completed, the bank shall issue a loan notice to the special dealer in time. (4) If the purchased second-hand car is used as collateral, the bank shall issue a loan notice to the special dealer in time. After the purchased second-hand car is licensed, the bank will go to the vehicle management office for mortgage registration. 6. The bank issues loans, and the user handles vehicle insurance and picks up the car. The special dealer shall hand over the customer's car purchase invoice, payment document and driving license (copy) to the bank within 15 days after receiving the loan notice. Banks issue loans after customers go through the formalities of property insurance. The types of insurance include: vehicle loss insurance, third party liability insurance, burglary insurance and spontaneous combustion insurance. All kinds of insurance period shall not be shorter than the loan period.
How long does it usually take to buy a new car to get a loan from the bank?
It takes about 20 working days to apply for a bank car loan.
After the borrower applies, it usually takes 15 working days for the bank staff to approve the application materials and applications. After the application is approved, the bank will entrust a professional institution to evaluate the value of the purchased car. It usually takes one working day to sign a car loan contract with the borrower. After signing, the borrower will go to dmv for mortgage registration, and then the staff will pass 1 to 2 working days.