How long can I pick up the car after the vehicle loan is licensed?
As long as the loan comes down, you can go through the formalities of picking up the car. You can get a temporary license when you pick up the car, and then go to the vehicle management office to handle the business yourself.
Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also called auto mortgage.
Object of loan: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.
Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability.
Loan amount: The maximum loan amount generally does not exceed 80% of the price of the purchased car.
Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years.
Loan interest rate: uniformly stipulated by the People's Bank of China.
Repayment method: you can choose one-time repayment method of principal and interest and installment repayment method (equal principal and interest, equal capital).
An auto financing or guarantee company, as a guarantor who repays the principal and interest of the loan and assumes joint liability, is a third party with sufficient compensation capacity.
Application conditions
(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.
(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.
(3) During the loan application period, the car buyer will deposit the car purchase down payment lower than that stipulated by the bank into the account of the bank savings counter.
(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.
(5) Car buyers are willing to accept other conditions deemed necessary by the bank.
information giving
Personal loan application;
Car loan II. Valid identification of oneself and spouse;
Three, I and my spouse's occupation, position and income certificate;
Four, marriage certificate (unmarried proof is required, except the legal age of marriage) and household registration book;
5. Original ID card, residence booklet or other valid proof of residence, and provide a copy;
6 car purchase agreement, contract or letter of intent signed with the dealer;
7. Proof of deposit or down payment;
Eight, the documents or materials required for the guarantee;
9. Other documents required by the cooperative organization.
The above contents are related answers. If you want to pick up the car, you must wait until the loan amount comes down. Otherwise, it is impossible for the other party to pick up the car for themselves. As for the license, this is after picking up the car, you have to shake the number. If you have other car problems, you can consult Pacific Auto Network.
Million car purchase subsidy