First, the bank car loan process:

1, select the product that needs car loan;

2. Apply for universal car loan packages and services on the spot according to your own situation;

3, the staff of the loan review and approval;

4. The store signed a contract to pick up the car;

Second, the application requirements:

The second-hand car loan business provided by banks has higher requirements for borrowers. Generally, borrowers are required to have a proper occupation, stable income, the ability to repay on time and good personal credit. If you can prove that you own a local property, 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 amount; Two recent one-inch photos. If the buyer is married, marriage certificate and spouse certificate are required.

Procedures for handling bank car loans:

1. Car buyers go to the bank outlets for consultation, and the outlets recommend the special dealers who have signed the Cooperation Agreement on Used Car Consumption Loan with the bank.

2. Go to the dealer to select the second-hand car to be purchased, 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 information, 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 buyer within 15 working days after the loan application is accepted, and sign a loan contract for second-hand car consumption with the borrower who meets the loan conditions. The maximum loan amount for second-hand car consumption does not exceed 60%~80% of the car purchase price (different banks), and the longest loan period does not exceed three to five years (different 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 methods 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 a 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 agency, and the bank and mortgagor shall go through the mortgage registration at the county real estate registration office where the house is located, and the contract will take effect after obtaining the property right certificate. If it is a pledge guarantee, the pledge contract will take effect after the title certificate is handed over to the bank.

(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 shall 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. After receiving the loan notice 15 days, the special dealer will hand over the customer's car purchase invoice, payment document and driving license (copy) to the bank. After the customer goes through the formalities of property insurance, the bank issues loans. 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.

Bank car loan processing flow

In real life, many friends will achieve their car purchase goals through bank car loans. The handling process of bank auto loans is generally as follows:

1, pre-loan consultation

Car buyers go to car sales outlets to consult and learn about banks that cooperate with car dealers.

2. Customer applications

Customers apply for a car loan from the bank, fill in the application form in writing and submit relevant materials at the same time. Relevant information includes proof of income, proof of work, etc.

3, review and approval

Waiting for the bank staff to review and pass the materials submitted by everyone. After approval, the bank will notify the borrower within a certain period of time.

4. Sign the contract.

When the borrower goes to a bank outlet, both parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate.

6. Bank loans

The bank will issue the loan after the borrower has gone through the relevant formalities.

7. Repay on schedule.

The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract until the loan is settled.

How to get a loan from the bank to buy a car? What are the procedures?

The process of handling car loan in the bank is:

1, prepare materials. The borrower needs to prepare his own ID card, work certificate, income certificate, residence certificate, loan use certificate and other materials;

2. apply. Bring materials to the bank to fill in the loan application form and submit materials;

3. Bank approval. The bank will investigate and approve the materials;

4. handle the guarantee. The borrower needs to go through mortgage guarantee and other procedures;

5. Sign a loan contract. If the borrower is approved, it can sign a contract with the bank;

6. loans. After signing the contract, the bank is ready to lend money.

Pay attention to buying a car and bank loans.

After the loan is completed, the bank will transfer the loan amount to the personal bank card. At this point, you need to pick up the car at the 4S shop and then pay the remaining 30% down payment. At this time, all expenses have been paid, and various taxes and fees need to be paid (of course, the 4S shop will assist individuals to complete all procedures).

After all formalities are completed, the vehicle registration certificate must be mortgaged in the bank, and individuals should take good tax payment certificates, invoices, vehicle driving licenses and other valid documents. After the vehicle loan is paid off, the 4S shop or the bank will notify the individual to go to the vehicle management office to go through the formalities of putting the car. At this time, the vehicle registration certificate will be considered as "own" car.

What is the bank's process for buying a car with a loan?

Car loan. Car buyers go to bank outlets for consultation.

2. The auto lender selects the car to be purchased at the dealer and signs a car purchase agreement with the dealer.

3. Auto lenders apply for loans at bank outlets.

4. In the process of auto loan, banks should review the credit of users.

It is very important to sign loan and guarantee contract in the process of car loan.

6. Banks such as car loans issue loans to allow users to apply for vehicle insurance and pick up cars.

7. Car loan. Customers repay on time.

1. The borrower submits the loan application materials to the bank;

2. The bank conducts a preliminary examination of the application materials submitted by the borrower;

3. The bank conducts credit investigation and customer evaluation on the borrower;

4. The bank examines and approves the loan application that meets the loan conditions through preliminary examination and credit investigation;

5. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower;

6. After the loan contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.

How to get a car loan?

Car loans are handled as follows:

1. The applicant chooses a car in the 4S shop, negotiates the price with the dealer, pays the down payment, and then signs a car purchase contract;

2. Go to the loan bank with the car purchase contract, ID card and real estate license, fill in the loan application form and submit the materials;

3. The bank accepts the loan application and reviews and evaluates the application;

4. Sign a loan contract with the applicant after examination and approval;

5. The applicant shall cooperate with the loan bank to complete the follow-up procedures, including mortgage registration and notarization;

6. The loan bank transfers the money to the account of the car dealer, and the applicant picks up the car in the 4S store.

Extended reading

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks provide RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal of a self-use car (non-profit family car or commercial car with 7 seats or less) purchased by the bank to the consumer, that is, the borrower. The higher the interest rate, the greater the repayment amount of consumers.

The conditions required for a car loan are:

1. Have valid identity documents and full capacity for civil conduct;

2. Can provide proof of fixed and detailed address;

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.

Automobile loan process:

1. Lead the customer to the bank's special dealer to choose a car and sign a car purchase agreement or contract;

2. The borrower applies to the loan bank for personal automobile mortgage;

3. Sign the contract with the consent of the investigation;

4. Go through the formalities of notarization and mortgage of automobiles.

5. The lender handles the loan;

6. After the loan is paid off, the lender cancels the pledge certificate and returns it to the customer.

Potential borrower

The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.

deadline

The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.

What are the procedures for a bank loan to buy a car?

1. The lender submits detailed loan application materials to the bank;

2. The bank conducts a preliminary examination of the application materials submitted by the borrower;

3. The bank conducts credit investigation and customer evaluation on auto lenders;

4. If it passes the preliminary examination and credit investigation of the bank, the loan application is approved;

5. After the customer's qualification and information are approved, you can sign a contract, go through mortgage registration, insurance and other procedures, sign a vehicle loan mortgage contract, one for the bank and one for the customer, and also sign an automobile sales contract, one for the dealership, one for the customer and one for the bank; If it fails to pass the examination and approval, the bank will explain to the borrower;

6. After the loan contract comes into effect, the handling bank will issue the loan, and the whole approval process will take 3-5 working days. The bank adopts the method of earmarking, that is, according to the contract, the handling bank directly transfers the loan to the 4S shop account where the borrower buys the car.

7. Handling car pick-up procedures: the borrower pays the down payment to the car dealer, handles the car pick-up procedures with the car pick-up form issued by the bank, puts on the license, and submits the car license, invoice, insurance policy, driving license, ID card and household registration book to the bank. After the mortgage, the bank will return the driving license, ID card and household registration book.

Extended data:

In the process of buying a car by mortgage, the bank requires customers to prepare personal information according to relevant regulations. Including: marriage certificate, identity card, real estate license, income certificate, residence permit (or temporary residence permit) and other copies. ), driver's license, etc. If you are an employee of a state-owned enterprise, you need to prepare a copy of your work permit. If you are an individual and private household, you need to submit a copy of your tax registration certificate, business license and other relevant documents. And a guarantor with a local account.

There are two ways to apply for mortgage to buy a car. One is to buy a car with personal credit mortgage (generally, you are required to have very good credit, no mortgage, no guarantee, stable work income and no bad hobbies). This form of car purchase can generally be loaned for 5 years. The other is to buy a car with real estate mortgage (with real estate license as mortgage). Generally, the mortgage loan for buying a car can last for up to 5 years. The down payment for both types of mortgages is above 30%. The interest rate is mainly determined according to your loan type and your personal qualifications.