Yes. You apply for a car loan at the bank, fill out a series of things such as the loan contract, and the bank approves the loan. Then you need to pay off the principal and interest within a few years according to the time stipulated in the contract. Deposit the mortgage payment in full into the designated account before the monthly repayment date stipulated in the contract (generally banks will require you to open a credit card account, the kind that cannot be overdrafted, so that it is convenient for you to deposit and for them to automatically deduct the money), if If you delay payment, you must notify the bank in time to deduct the payment after payment, otherwise the bank may deduct it again in the next period, so your penalty interest will increase. Note that if it is delayed, you will pay more than usual so that the bank can deduct the full amount. The bank will not deduct even one cent less.

Yes. You apply for a car loan at the bank, fill out a series of things such as the loan contract, and the bank approves the loan. Then you need to pay off the principal and interest within a few years according to the time stipulated in the contract. Deposit the mortgage payment in full into the designated account before the monthly repayment date stipulated in the contract (generally banks will require you to open a credit card account, the kind that cannot be overdrafted, so that it is convenient for you to deposit and for them to automatically deduct the money), if If you delay payment, you must notify the bank in time to deduct the payment after payment, otherwise the bank may deduct it again in the next period, so your penalty interest will increase. Note that if it is delayed, you will pay more than usual so that the bank can deduct the full amount. The bank will not deduct even one cent less.

There are currently two ways to handle car loans, one is a bank personal car loan, and the other is a car finance company loan.

■Bank personal car loan

There are two types of bank personal car loans, one is the bank's "direct passenger car loan" and the other is the bank's "intermediate passenger car loan". loan". Due to banks' loan risk considerations, most banks in provincial cities only offer "direct passenger car loans".

"Direct car loan" means that banks provide direct loans to individuals. However, this kind of loan is generally designated by the bank in provincial capitals or where there is a relevant agreement between the bank and the car dealer. can proceed. For example, the "Happiness Express" personal car consumption loan launched by the Industrial and Commercial Bank of China, the "Ideal Home" launched by the Bank of China, etc.

For "direct car loan", you first need to select a car model at a designated car sales department, and then submit an application through the car sales department. You can go directly to the bank and apply for it personally.

Car loan borrowers generally need to provide some proofs when borrowing from banks: ID cards, household registers and other valid residence documents of the borrower, spouse, and guarantor; proof of the borrower’s occupation and economic income; Proof that sufficient down payment has been deposited, etc. Generally speaking, if the car loan applicant provides complete information and the investigation goes smoothly, the loan approval and issuance procedures can be completed in one working day, and the registration process can be completed within two working days. Under normal circumstances, the application can be completed within three working days. Pick up the car.

■Auto finance company loan

An auto finance company loan is a car purchase loan through a non-bank financial institution that provides related auto finance services. Auto finance company loans available in Taiyuan include Volkswagen, Beijing Hyundai, Guangben and Chery.