What procedures do I need to go through to buy a public loan? What conditions are met? Nowadays, more and more people buy cars, and Volkswagen cars are also very popular. So is applying for a loan the same as other cars?
Conditions for applying for a Volkswagen loan:
1. Have 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. In addition, banks also need to examine the borrower's real estate status, income, occupation, credit history, and even industry, education and other factors to judge the loan qualification.
Public loan handling process:
1. Go to Volkswagen 4S store and choose your favorite model.
2. Fill in the loan application form of Volkswagen Finance Company and provide relevant supporting materials.
3. Wait for the approval of Volkswagen Finance Company.
4. Home visit of Volkswagen Finance Automobile Company to collect relevant supplementary information.
5. Sign car purchase contracts and car loan contracts.
6. Pay down payment and vehicle purchase tax.
7. Handle new car registration, mortgage registration and other related procedures.
8. Pick up the car and repay it on schedule according to the loan contract.
The above is about "What are the procedures for buying a public loan? What are the conditions? " Now all kinds of cars are running all over the street, and every household has a car. What kind of car to buy already needs everyone to choose. Every car has its own advantages. It's time to apply for a loan. I believe everyone has understood how to deal with it. Welcome to pay attention to the online loan channel in Tian Yan. We update more exciting content for your reading every day.
What are the application conditions for public finance car loan?
Compared with banks, Volkswagen Finance Company's auto loan application conditions are much looser. Generally speaking, as long as the borrower is between 22 and 55 years old and owns fixed assets such as ordinary houses or shops, he can apply for loans from public finance companies.
The application conditions for Volkswagen Finance auto loan are as follows:
1. The borrower is between 22 and 55 years old;
2. Can provide ID cards, temporary residence permits and other identification certificates;
3. Have a stable job and income, have the ability to repay, and can provide proof of income in the last 6 months.
Public finance loan
The customer service telephone number of auto finance is 035-3622-2678.
Auto finance means that when consumers need a loan to buy a car, they can directly apply for preferential payment from auto finance companies, and they can choose different models and different payment methods according to their personal needs.
Since the "Administrative Measures for Auto Finance Companies" was officially implemented on August 8, 2004, China's auto finance market has experienced a development course of 14 years.
During this period, China's automobile sales increased by nearly 300%, but the automobile financial penetration rate only doubled, far below 70-80% of foreign consumption.
Extended data:
Financial model:
Replacing "selling" with "renting" is also a kind of automobile financing lease. It first appeared in the United States, and now it has become the mainstream of American auto financial services. He is different from the traditional financial loan to buy a car. He rented the car to a customer, and the ownership of the car belonged to the auto financing company at that time. After the lease expires, the ownership of the car belongs to the customer. The advantages of this auto finance are as follows:
(1) Packaged leasing lowers the threshold for car purchase. Chuangfu Auto Finance takes the naked car payment, purchase tax, license fee, insurance and other taxes and fees as the installment payment object. Customers only need to pay 20% of the total amount as the deposit and 1% of the handling fee within one year to get the right to use the vehicle, and the 20% deposit will be returned after the lease term ends.
(2) Rent is a kind of expense to provide VAT invoices for enterprises. It can be used as a voucher for reimbursement of car stickers and also as a basis for enterprise accounting.