You can go to the bank to handle personal car loan business. Personal car loan business can be divided into two types. The first is consumer loans, which are used to apply for full property mortgage. The second is personal car loan business, which needs to apply for mortgage with the purchased vehicle.

First, how to get a loan for buying a car?

Nowadays, buying a house and buying a car basically depends on bank loans, so how to borrow money to buy a car? First of all, consumers must make sure to communicate well with the sales staff, especially the car price, before signing the car purchase contract. Then improve the information of loan fees. Because the location of the loan is different, it is necessary to improve the loan procedures. For different specific loan information, please consult the 4S shop that bought the car in detail. After the materials are submitted, they need to wait for approval. Consumers need to wait for approval after improving the materials. Whether it is a bank manufacturer, a financial institution or a third-party financial institution, it is necessary to examine and approve the qualifications of loan applicants, and the next step can only be carried out after the examination and approval. After the approval is completed, the consumer needs to pay the down payment to the 4S store, and then the 4S store will issue relevant receipts. After the down payment of the car, the bank or financial company will lend money, usually directly to the 4S shop, and the car can be picked up after the loan.

Second, the loan to buy a car matters needing attention

Before buying a car, you must choose and understand the formal auto sales and auto finance guarantee companies, handle automobile mortgage business, and get to know the reputation and strength of mortgage and sales companies on the spot through various channels. Pay attention to the loan amount when buying a car. According to the different down payment ratio, the amount of consumer loans will be different. Consumers need to choose the loan amount according to their own economic level. Don't make verbal agreements. Now some car dealers control consumers' lack of legal knowledge, cheat consumers, sign blank contracts, and then after the consumer loan procedures are completed, consumers find that the loan amount is different from the promised price when they see the credit contract. The verbal promises given by consumers when buying a car need to be reflected in the contract to avoid future troubles.