Do I need to sign a contract to buy a car with a loan?

Need to sign a contract.

Buying a car without signing a contract affects the licensing:

1. Case: Consumer Mr. Li wants to buy a car with a price of 65,438+10,000 yuan. As a working-class car buyer, the preferential price range is his favorite, so he carefully selected a number of dealers from the market and finally decided to pay a deposit at a dealer with a lower quotation.

But what happened later made him afraid to buy a car easily! On the day of picking up the car, Mr. Li thought everything was going well, but he didn't want to give birth to a moth.

Dealer sales staff have problems in listing because they can't provide certificates, official invoices and other procedures in time. Today, Mr. Li is still negotiating and contacting the dealer.

2. Analysis: From the above case analysis, Mr. Li has two misunderstandings in buying a car. First, the price is cheap, and he has not signed a car purchase contract with the dealer. When there is a dispute in the later period, he often argues with the other party.

Second, Mr. Li did not consider the integrity of the dealer when choosing the dealer. Now some auto trade companies actually belong to the secondary agents of regular special dealers. Because of the lack of funds, they often use the owner's vehicle certificate as a pledge.

Obtaining financing loans from vehicle manufacturers is to obtain more car bookings from manufacturers, and once there is a problem in the capital chain, it will often affect consumers' handling of vehicle licensing procedures.

3. Warning: When buying a vehicle, consumers must not only understand the cheap price of the vehicle, but also understand the qualifications of the dealer, choose the manufacturer's special dealer, and book and buy a car at the regular dealer as much as possible. Even if there is a dispute in the later stage, it can be solved by complaining to the manufacturer.

Instead of putting yourself in a passive position. In addition, signing a formal contract can also avoid the quality problems in the later use of vehicles and avoid the problems of subsequent after-sales service.

Extended data:

Automobile loan loan conditions:

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;