1. Ping An Bank's car loan is not difficult to pass, and it will be approved in about one month. 2. Car loan processing flow: 3. First of all, the lender needs to prepare ID card, residence certificate, work certificate, loan purpose certificate and other supporting materials, go to the bank, fill in the application form and fill in the contract. 4.② Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If so, there is no need to sign such a contract. 5.③ Secondly, banks issue loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest. 6.④ Finally, the borrower pays the down payment to the car dealership, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank. 7. Note: In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and other procedures. For more information about car loan approval of Ping An Bank, please visit:/ask/07de351616093745.html? Zd view more content
2. What is the car loan process of Ping An Bank?
The process of buying a car with loans from different banks is slightly different. Here is an introduction to the process of Ping An Bank's loan to buy a car. Reference: 1. Loan car selection. 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. 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). Better write in detail. They'll check. 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. Sign a vehicle loan mortgage contract, one for the bank and one for you; You have to sign a car sale contract, one for the car dealer, one for you and one for the bank. 5. Lending: The bank issues loans, which are directly credited to the account of the car dealer. 6. Handling car pick-up procedures: the borrower pays the down payment to the car dealer, handles the car pick-up procedures with the passbook and the car pick-up note issued by the bank, and gives the car a license. After completing the license, hand over the vehicle production certificate, invoice, insurance policy, driving license, ID card and household registration book to the bank. After the mortgage, the bank will return the driving license and ID card account book.
Details can be seen here, and the introduction is very detailed:/Hui You/xinyidaiwmcar.shtml.
3. Can Ping An Bank upload the general invoice of car loan?
Of course.
Personal loans to buy a car require invoices, and general car dealers buy car invoices. However, some lending institutions stipulate that car purchase invoices should be mortgaged. In this case, although the car dealer will give the invoice, he will only borrow money.