First of all, you need to know the basic conditions for handling personal car loans:/kloc-citizens over 0/8 years old, with full capacity for civil conduct, with legal identity documents, local permanent residence or valid residence certificates. This is the basic condition for handling car loans. Let's take a look at what procedures are needed to buy a car with a loan.

Secondly, the process of buying a car by loan: 1: loan applicant: the bank conducts a preliminary review of the application materials submitted by the loan applicant; 3. Banks conduct credit investigation and customer evaluation on loan applicants; 3. The bank will examine and approve the loan application that meets the loan conditions after preliminary examination and credit investigation; 4. If it is approved, notify the loan applicant to go through the relevant procedures such as signing, lending, mortgage or pledge; Those who fail to pass the examination and approval must explain to the loan applicant. 5. 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 where the loan applicant buys the car.

Second, how to apply for a car loan?

The key depends on what conditions you have and what car you buy. Like many banks that cooperate in automobile trade, you can pay by installments by directly providing proof of income! Very simple

Third, how to apply for a car loan

First, how to apply for a car loan?

1. The process of handling car loan is as follows:

(1) Select the vehicle type, then apply for a loan and provide personal information;

(2) declare to the bank, wait for the bank to review, and issue a loan agreement after passing;

(3) The car dealer informs the applicant to pay the down payment, and then picks up the car.

(4) Handling mortgage registration and other procedures;

(5) Bank loan application

2. Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans.

individual

(a) the borrower is a citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

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(3) The amount, duration and currency of the loan application are reasonable;

(4) repayment ability;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other requirements of the lender.

2. What conditions should the lender meet?

1. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old;

2. Have permanent residence and fixed residence in this city; Have a proper occupation and a stable source of income, and be able to repay the loan principal and interest on schedule.

3. Willing and able to provide real estate mortgage approved by the lender;

Its loan and guarantee behavior, and is willing to bear relevant legal responsibilities.

Fourth, how to handle the car loan?

Personal vehicle loans can generally be divided into "direct" and "indirect" modes. 1. The direct method means that the lender directly submits the relevant materials of the vehicle loan application to the bank, and the bank signs the loan agreement and guarantee contract after the loan investigation and approval; 2. The lender will go to the car dealership specially invited by the bank to buy a car. The vehicle loan is directly transferred to the bank account of the automobile dealer through bank transfer. Indirect means that the lender buys a car at a car dealer specially invited by the bank and submits the information for applying for a loan, and the car dealer submits it to the bank for applying for a loan. After the loan investigation is approved, the bank signs a loan agreement and a guarantee contract, and goes through notarization and insurance procedures. Processing steps: customers apply for processing. Apply to the bank, fill in the application form in writing, and submit relevant materials at the same time; Sign the contract. After the application submitted by the lender is approved by the bank, the two parties sign a loan agreement and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate; Issue loans. After all the procedures for bank approval and loan issuance are completed, the bank will directly transfer the loan to the bank account of the automobile dealer by transfer according to the contract; Pay the loan on time. The lender shall repay the loan principal and interest in accordance with the repayment agreement and repayment method agreed in the loan agreement; Pay off the loan. The payment of loans includes normal payment and advance payment. Million car purchase subsidy