Even if you buy a car with a loan in the name of husband and wife, even if the lender has a good credit record, the bank will doubt the repayment ability and credit degree of the family, and will be more cautious when lending.
Loan terms:
1, with 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.
Application materials:
1, the original ID card, residence booklet or other valid proof of residence, and provide its copy;
2, occupation and economic income certificate, personal account for nearly 6 months running list;
3 car purchase agreement, contract or letter of intent signed with the dealer;
4. Other documents required by the Cooperation Organization.
Extended data:
Specific process
1. Apply for a car loan. After the applicant is optimistic about the vehicle to be purchased, he/she needs to fill in the Application Form for Automobile Consumption Loan and the Investigation Form for Credit Information, and submit them to the loan bank together with relevant certificates of personal situation.
2. After receiving the application, the bank will conduct pre-loan investigation and approval.
3. After examination, the bank informs the borrower to fill in various forms, as well as loan contract, guarantee contract and mortgage contract, and go through mortgage registration and insurance procedures.
4. Banks issue loans.
5. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.
In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.
Loan to buy a car mode and specific process
1, choose the mode of buying a car by loan.
Mode 1: the customer directly applies for a loan to buy a car at a bank outlet. After the guarantee procedures are implemented, customers can choose dealers to buy cars they are satisfied with.
Mode 2: buy a car in a 4S shop that cooperates with the bank, sign a car purchase contract or agreement with the dealer, and then apply for a loan from the bank through the 4S shop.
Mode 3: apply for unsecured personal credit loan, and the bank directly lends full amount to the 4S shop to buy a car. Choosing a loan to buy a car carefully is the most important step in the process of buying a car with a loan.
Mode 4: The customer applies for a loan to buy a car through the financial outsourcing website, the financial institution handles the intermediate process, and the bank approves the loan, which is a direct car loan.
2. Banks issue loans.
No matter which mode of bank loan is used to buy a car, the ultimate lender is the bank. In the second mode, money is directly transferred from the bank to the car dealer's account.
Step 3 pick up the car
The borrower pays the car dealer the down payment or the full amount. There are two situations here: Mode 1 and Mode 2. When customers pay the down payment, they need to go through the formalities of picking up the car with the passbook and the car pick-up slip issued by the bank, and give the car a license.
After completing the license, hand over the vehicle production certificate, invoice, insurance policy, driving license, ID card and household registration book to the bank. After the mortgage, the bank will return the driving license and ID card account book.
If you use the model 3 loan to buy a car, the customer only needs to withdraw the loan issued by the bank and go directly to the 4S shop to pick up the car. The driving license and ID card account book after the card is licensed do not need to be mortgaged to the bank.
In addition, when choosing a loan bank, different banks will have different interest rate concessions, loan quotas and repayment periods, and loan applicants can learn directly from the loan pages of major banks they cooperate with.
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