Matters needing attention in car loan: loan target:/kloc-a natural person aged 0/8 to 60 with full civil capacity.

Loan amount: the loan amount shall not exceed 80% of the price of the purchased vehicle for self-use vehicles and 70% of the price of the purchased vehicle for commercial vehicles.

Loan approval is a process in which the person in charge of credit business conducts "finding out the facts, mastering the policies and determining the loans" according to the loan application and pre-loan investigation opinions within the prescribed approval authority. Working capital loans shall be subject to three-level examination and approval system. The leaders in charge are responsible for the decision-making of the loan issuance results.

Identify the facts, that is, the approver re-examines the reasons and uses of loans provided by enterprises and loan personnel, and correctly identifies its nature. Grasp the policy, and finally decide whether to lend or not, whether to lend more or not, on the basis of ascertaining the facts and according to the credit policy determined by the state and higher-level banks. Determine the loan mainly to determine the loan amount, repayment period, interest rate and loan method.

Some loan principals should also ask loan officers to conduct follow-up investigation and monitoring. Any loan must adhere to the principle of "two signatures" or "three signatures" for loan approval. That is, each loan must be investigated by the loan officer and put forward the preliminary examination opinions, and the loan can only be issued after the approval of the credit section chief. For loans with large amount or "three signatures" according to regulations, they should be signed by the president for release. No individual may sign a wholesale loan alone.

Bank loan approval process:

First, prepare the information. Individuals should first prepare the materials needed to borrow from the bank, which generally include loan application, customer's ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse's ID card and household registration book should also be provided). If it is a customer with a mortgage loan, it is necessary to issue a property certificate of the collateral; If you are a customer with unsecured loans, you need to provide a good credit record.

Second, apply. After preparing the relevant materials, the customer can apply for a loan at the bank or the law firm entrusted by the bank, and submit the relevant materials to the bank for review. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties.

Third, payment review. If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and the fees charged.

4. Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. Then there is a bank loan.