If you want to apply to the bank yourself, of course, you can also ask the 4S shop to help you apply, but the 4S shop will charge a certain handling fee. The loan purchaser applying for automobile consumption loan must meet the following conditions:
(1) The car buyer must be a China citizen who has reached the age of 18 and has full capacity for civil liability.
(2) Car buyers should have a stable income to support their monthly supply after buying a car.
(3) When applying for a loan, the car buyer needs to have enough down payment in the bank account. If it is not enough, it is not allowed.
(4) Put forward a credit guarantee to the lending bank, because without sufficient guarantee, the bank will not lend you money so easily.
(5) The car buyer accepts other additional conditions proposed by the bank through consultation.
If the car loan applicant is an enterprise legal person or a public institution legal person, the following conditions need to be met.
(1) has the ability to repay bank loans;
(2) During the loan application period, deposit enough funds into the bank account for bank inspection;
(3) Providing sufficient guarantees to banks;
(4) Willing to accept other necessary conditions proposed by the bank. Generally speaking, banks don't ask too much.
Can I apply for a car loan if I don't go
You need a lender to apply for a car loan. If you want to entrust others to handle the car loan, the client must have a power of attorney from the loan applicant. Legal basis: Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method. Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.
Do I need to buy a car?
Does anyone need to be present to buy a car? If he can be absent in person, what procedures are needed?
He can be absent himself, as long as he has the original ID card.
Is it necessary for car owners to buy their own cars? Can others go through the formalities?
The owner doesn't need to go in person, he can find someone else to go through the formalities. But bring the original and copy of the owner's ID card. In addition, you should leave the contact number of the owner, and you need to contact the owner if you have the candidate license plate number.
Do I need to go to the vehicle registration office?
You can ask someone to act as an agent or entrust a car dealer to get the license, but you must sign the registration form. This new car must be driven to get a license. If an agent is entrusted, the original and photocopy of the agent's identity certificate shall also be submitted, and an Application Form for Motor Vehicle Registration/Transfer shall be signed with the owner of the motor vehicle. Materials to be provided for licensing:
(1) Certificate of origin of the motor vehicle.
(two) motor vehicle certificate or import certificate of imported motor vehicles.
(three) the original and photocopy of the identity certificate of the motor vehicle owner.
(four) a copy of the vehicle purchase tax payment certificate or tax exemption certificate.
(five) the original and photocopy of the compulsory insurance certificate for motor vehicle third party liability.
(6) Motor vehicle registration/transfer application form. Fill in the form with a pen or signature pen, and don't alter it. Signature of individual vehicle owner. Where the domicile address is inconsistent with the jurisdiction, it shall be sealed by the vehicle management department of the traffic patrol branch (brigade) of the jurisdiction.
(7) If an agent is entrusted, the original and photocopy of the agent's identity certificate shall also be submitted, and an Application Form for Motor Vehicle Registration/Transfer shall be signed with the owner of the motor vehicle.
(eight) vehicle identification code (frame number) rubbing film and engine number rubbing film. General car dealers will take you (the client), rub the film, take car photos, check the car, register, choose the number, pay the fee and get the license.
I don't show up to buy a car, can I have an ID card?
If you don't need a loan, you can do it yourself.
Do I need to be present when I change trains?
Recently, many car owners and friends asked, "Do I need to be present when handling the transfer procedures? Can you entrust a used car company to help with the transfer of used cars? " In fact, to answer this question, we must first understand how the car transfer is going on. Car transfer is to change the name of the owner of the vehicle, which is similar to house transaction, but now the transfer of used cars in most areas is not subject to tax. As far as I know, Zhuojie Bank does not need to be present in person for transfer, as long as the entrusting party brings the original ID card of the owner and the original ID card of the agent, as well as the procedures required for transfer. Attachment: Procedures required for car transfer (individual) ① Motor vehicle registration certificate; ② Motor vehicle driving license; 3 car purchase invoice; (4) Original ID card (buyer and seller); ⑤ Certificate of vehicle purchase surcharge; ⑥ Insurance policy; ⑦ Sales contract for used motor vehicles (filled in the transfer hall); ⑧ Motor vehicles exist. The above is "Do you need me to change trains?" If you still want to know the car transfer process and transfer costs, you can pay more attention to Zhuojiexing used cars.
Do I need to buy a car and settle down?
Strictly speaking, I need to be present. The rules are alive. Just find an agent. But I still suggest you handle it yourself, because many places use cameras now, just like banks-banks, you have to take pictures when you withdraw money. Think for yourself. If so, call the local vehicle management office and ask.
Do I need someone who wants to buy a car when I buy it?
have no use for
Do I need the owner to register a car?
The owner had better go in person. Vehicle registration requires the following procedures:
I. Industrial and commercial verification
Bring two car purchase invoices, the owner's ID card and the factory certificate of the car. The company must also go through the industrial and commercial verification procedures with the legal person code certificate and affix the verification seal. There is no charge for industrial and commercial verification.
Apply for a mobile card
Unlicensed vehicles can't go on the road. After verification, go to the local traffic brigade to apply for a vehicle moving license (3 yuan handling fee is required). Vehicles leaving Beijing must go to the inspection site to check their vehicles and apply for a temporary license before they can go on the road.
Payment of purchase surcharge
Cars are high-end consumer goods, so you must also pay the purchase surcharge at the vehicle purchase surcharge collection management office designated by the transportation department.
Purchase surcharge = purchase price/1 1.7
Information to be prepared when paying taxes:
1, two originals and two copies of the invoice;
2. 1 original and photocopy of the certificate;
3. 1 One original and one copy of the ID card.
Receive the payment voucher and payment receipt of vehicle purchase surcharge:
IV. Insurance
The accident rate is high, and it is easy to bring harm to yourself and others. Therefore, buying a new car must be insured with third-party liability insurance. There are many kinds of vehicle insurance. Please refer to the introduction of auto insurance for details. Usually, 4S stores have one or several cooperative insurance companies.
V. Automobile inspection
Ok, now you can go to the motor vehicle inspection factory to go through the inspection procedures in a car with complete procedures. According to the district and county where the owner's ID card belongs, you can go through the inspection formalities at the designated inspection factory.
Inspection process of inspection factory:
1. Fill in the form
Fill in two blank forms in the new car testing hall (ballpoint pens are not allowed), one is the new car environmental appearance testing form and the other is the motor vehicle registration application form. When filling in, you must fill in the motor vehicle certificate. The grid of environmental protection appearance table is small, so the owner's address can only be filled in "xx area", and the frame number can only be filled in the last six digits, and the contents of the columns below the frame number need not be filled in.
2. General check signature
Submit the certificate and appearance registration form to the director for inspection and sign (free of charge).
3. Environmental verification
Take the invoice, environmental appearance form, certificate of approval and ID card to the environmental protection window for verification and seal (free of charge).
4. Vehicle extension number
When the extension number is handed in, the extension number fee of various models is different, generally tens of yuan.
5. Appearance inspection (fire extinguishers and triangle warning signs are required, and the car body should be clean)
Close the machine cover, drive to the appearance inspection office, hand in the ID card, appearance inspection form, certificate of approval, rubbing number, technical parameter list given when buying a car, check the signature, drive back to the inspection hall to submit the information, pay the inspection fee (the inspection fee is different for each model), and issue the service machine invoice.
6. Copy the certificate
Copy the certificate in the copy room. The reason why the copies are listed separately is because at this time, what needs to be copied is the certificate with various inspection stamps (you can only print here, but you can't use the copier, and the cost is not high), in duplicate, one for yourself, and the other will be returned when you finally get the green label. The charge for copying is generally around 2 yuan.
7. General inspection of new cars
Go back to the new car inspection hall where the forms are collected, and submit the following eight procedures: the original certificate, the technical parameter list, the fourth invoice, the ID card and its copy, the purchase tax certificate, the rubbing number, the newly filled registration application form and the appearance inspection form. At the same time, I asked to be present in person.
After handing it in, except for the original ID card and the purchase tax certificate (he tore a copy), all other materials were left behind. Now, in addition to the original ID card and the purchase tax certificate, you also have the second copy of the invoice and two copies of the certificate.
8. Get the receipt
The waiting time at the designated window (the window where the police stationed in the station check the procedures just handed over and enter them into the computer) is generally longer, about half an hour.
After a long wait, the police will give the tour guide a receipt. The tour guide will call the roll and collect the police receipts in order with his ID card. It is possible for the police to come closer and check the ID photo to see if it is the person. This is an occasional random identification.
9. Get a green label
Go out of the hall with the information (left in your hand) and the police receipt, and get the green label (free of charge) at the window where the environmental inspection was carried out.
10. Vehicle inspection is over.
After receiving the green label, the car inspection is over, and the whole process takes about two hours.
It costs tens of dollars to check the car (it will vary according to different models). .
Detection completed
I found the number and wrote down the license plate.
After the above procedures are completed, you can go to the designated vehicle management office. ......
Do I need to be present to buy a car and write my name?
It doesn't seem to matter much who writes the name when buying a car. It's just the contact information and contact person when the vehicle is guaranteed or the manufacturer pays a return visit. The key is who owns the ID card and who owns it when registering at the DMV. Once the owner is confirmed, the vehicle management office will contact the owner for all related matters of the vehicle in the future.
Can I not buy a car myself?
You can not go, you can entrust others to do it, or you can let the car seller deliver it to your door.