The process of handling fighters is as follows:
1. Apply for a loan: the borrower fills in the loan application form and provides relevant information.
2. Loan review: After receiving the borrower's application and the materials that meet the requirements, the bank will review the credit standing, repayment ability and authenticity of the materials of the borrower and guarantor according to the regulations, and make a reply after the review.
3. Signing a contract: After the bank approves the loan, the borrower goes through the following procedures: the bank signs a loan contract and a guarantee contract with the borrower, and handles notarization, mortgage registration and insurance.
4. Lending: After the borrower completes the relevant procedures, China Merchants Bank will pay the loan to the borrower's personal account and transfer the loan to the relevant payee's account according to the borrower's entrustment.
Extended data
The emergence of a large number of car loan risks has made banks raise the threshold of car loans to varying degrees and strictly approve car loans.
Based on China's commitment to open the auto consumer credit market to the outside world after China's entry into WTO, in June 2003, the CBRC promulgated the Measures for the Administration of Auto Finance Institutions, and in June 65,438+065,438+0, promulgated the Detailed Rules for the Administration of Auto Finance Companies.
12 On February 29th, only two months after the above announcement, China approved the establishment of three auto financing companies, namely SAIC-GM, Volkswagen (China) and Toyota (China). Less than a year later, SAIC-GM Finance Co., Ltd. announced the opening of Shangshi Early Oak Sea.