It is necessary to fill in the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, together with the relevant certificates of personal situation, vehicle price (fare) and vehicle information parameters on the certificates (provided by the seller).

Zero down payment interest-free loan to buy a car process:

1. Select the loan car purchase mode.

Mode 1: the customer directly applies for a loan to buy a car at a bank outlet. After the guarantee procedures are implemented, customers can choose dealers to buy cars they are satisfied with.

Buy a car with zero down payment and no interest.

Mode 2: select the car to be purchased at the bank's special dealer, sign a car purchase contract or agreement with the dealer, and then apply for a loan through the dealer. Choosing a loan to buy a car carefully is the most important step in the process of buying a car with a loan.

2. Application: After you are optimistic about the vehicle you want to buy, fill out the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to the loan bank together with the relevant certificates of personal situation, vehicle price (fare) and vehicle information parameters on the certificate (provided by the seller).

3. The bank conducts pre-loan investigation and approval: after accepting the loan application, the bank investigates the credit status of the borrower and guarantor. For those who meet the loan conditions, the bank will promptly notify the borrower to fill in various forms.

4. Contract signing: notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures.

5. Lending: The bank issues loans, which are directly credited to the account of the car dealer.

If the borrower really needs to buy a car, the current car down payment is not enough, and zero down payment is still an option. After choosing a zero down payment loan to buy a car, the borrower should plan his own repayment plan to avoid leaving a bad record in the future because of the heavy repayment pressure.

2. The husband and wife borrowed money from Chongqing Auto Finance Company to buy a car. The main lender is the man, and the car loan has not been paid back.

Only when the loan is paid back can the car be bought after marriage, which is the joint property of husband and wife. If the man fails to repay the loan, someone from the collection department of the guarantee company will collect the car, facing penalty interest and blacklist of credit information, with serious consequences!

3. How to apply for a car loan in Chongqing?

The conditions of car loan (1) are valid identification and full capacity for civil conduct;

(2) Can provide a fixed and detailed address certificate;

(3) Have a stable occupation and the ability to repay the loan principal and interest on schedule;

(4) Personal social credit is good;

(5) Holding a car purchase contract or agreement approved by the lender;

(6) Other conditions stipulated by the Cooperation Organization.

Car loan application materials (1) original ID card, household registration book or other valid proof of residence, and provide its copy;

(2) proof of occupation and economic income;

(3) car purchase agreement, contract or letter of intent signed with the dealer;

(4) Other materials required by banks or lending institutions.

Banks and 4S shops can handle car loans. Otherwise, it's good to try online application. Recommended /24CAet.

4. How to get the car subsidy in Chongqing in 2023?

I. Subsidy procedures

Step 1: Consumers in agricultural registered permanent residence bring their ID cards and household registration books to designated sales outlets in rural areas for purchase; Each household is limited to one car and two motorcycles. )

Step 2: declare the subsidy funds to the township finance office where the household registration is located, and provide the following materials at the time of declaration:

1. Original ID card of the purchaser;

2. The original household registration book of the purchaser (if the household registration book is empty, please supplement it in the household registration room);

3. Original special passbook for direct replenishment by the buyer's bank;

4. Original motor vehicle driver's license;

5. Original motor vehicle registration certificate;

6. Original motor vehicle sales invoice;

7. Signs posted at designated places for going to the countryside.

Step 3: The township finance department shall submit it to the county finance department after examination.

Step 4: The county finance department will transfer the subsidy funds into the buyer's livestock storage passbook account within 15 working days after the buyer applies for subsidies.