How to apply for a bank car loan can be done according to the following steps: 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. 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 issue 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 given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers. : How to choose a car loan? 1. Compared with bank car loans, the application threshold and procedures for auto financing company loans are more convenient, and the lender is required to provide copies of ID card, household registration book, marriage certificate, real estate license, residence certificate and income certificate. Generally, auto financing companies do not need local accounts or guarantees for loans. Generally speaking, they can handle it in 4S stores. 2. Compared with auto financing company loans and credit card installment car loans, bank car loans are more independent. No matter what brand or model the lender wants to buy, he can apply for a bank car loan, and the repayment method is more flexible. 3. Buying a car by installment with a credit card doesn't need to pay interest like auto financing company loans and bank car loans. There is no interest on buying a car with a credit card, but the lender needs to pay a certain installment fee. However, not all models of cars can be loaned in this way, and lenders can only choose several models that banks and car companies cooperate with.

2. How long will it take for CCB to approve the car loan?

Hurry up and approve. Two or three days, but it's hard to say when people will give you the final payment after you pay the down payment! As little as a week, as many as a few months, I am anxious for you!

Three. The specific address where Beijing Industrial and Commercial Bank can handle auto loans.

There are more and more people buying cars, and it has become a consumption choice to borrow money to buy a car. Today, Bian Xiao will tell you about the process of ICBC's loan to buy a car. Recently, Wang Changbian Xiao specially visited some senior people in the industry on the loan to buy a car, and sorted out the relevant information as follows:

Conditions of car loan

(1) has valid identification and full capacity for civil conduct;

(2) Can provide a fixed and detailed address certificate;

(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 application materials

1, the original ID card, residence booklet or other valid proof of residence, and provide its copy;

2. Proof of occupation and economic income;

3 car purchase agreement, contract or letter of intent signed with the dealer;

4. Other materials required by banks or lending institutions.

The maximum loan amount generally does not exceed 80% of the price of the purchased car.

Loan Term: The loan term for general automobile consumption is 1-3 years, with a maximum of 5 years.

The repayment method can be one-time repayment of principal and interest and installment repayment (equal principal and interest, equal capital).