The general steps of buying a car with a loan are as follows:
1. Book the car first;
2. Go through the loan formalities in the 4S shop: including providing information and signing the loan details;
3. Wait for the loan agreement of the bank to give the 4S shop this loan;
4. After obtaining the consent form, the general 4S shop will inform the customer to pay the down payment;
5. The customer picks up the car and puts on the card;
6. After the card is completed, the information is mortgaged to the bank;
7. A few days after the mortgage (generally according to the bank's audit), the money will be paid to the 4S store.
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
: Microfinance Review Risk
The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links.
1. The content of the review omits the loan examiner of the bank, which leads to credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.
2. In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risks.
3. Many wrong judgments are caused by banks not listening to experts' opinions or professional judgments of professionals. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.
Legal content of pre-loan investigation
1. Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.
2. Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.
3. Regarding the borrower's loan conditions, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;
4. Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor should be examined.