Apply to the bank.

1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time; 2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate; 3. issue loans. The loan approved by the bank will be directly transferred to the car dealer's account by transfer according to the contract after all formalities are completed.

The simple and popular understanding of loan is to borrow 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.

How to get a loan for buying a car?

Car loans are handled as follows:

1. The applicant chooses a car in the 4S shop, negotiates the price with the dealer, pays the down payment, and then signs a car purchase contract;

2. Go to the loan bank with the car purchase contract, ID card and real estate license, fill in the loan application form and submit the materials;

3. The bank accepts the loan application and reviews and evaluates the application;

4. Sign a loan contract with the applicant after examination and approval;

5. The applicant shall cooperate with the loan bank to complete the follow-up procedures, including mortgage registration and notarization;

6. The loan bank transfers the money to the account of the car dealer, and the applicant picks up the car in the 4S store.

Extended reading

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks provide RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal of a self-use car (non-profit family car or commercial car with 7 seats or less) purchased by the bank to the consumer, that is, the borrower. The higher the interest rate, the greater the repayment amount of consumers.

The conditions required for a car loan are:

1. Have valid identity documents and full capacity for civil conduct;

2. Can provide proof of fixed and detailed address;

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.

Automobile loan process:

1. Lead the customer to the bank's special dealer to choose a car and sign a car purchase agreement or contract;

2. The borrower applies to the loan bank for personal automobile mortgage;

3. Sign the contract with the consent of the investigation;

4. Go through the formalities of notarization and mortgage of automobiles.

5. The lender handles the loan;

6. After the loan is paid off, the lender cancels the pledge certificate and returns it to the customer.

Potential borrower

The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.

deadline

The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years. Among them, the term of second-hand car loan (including extension) shall not exceed 3 years, and the term of dealer car loan shall not exceed 1 year.

How to get a car loan?

If you need a loan to buy a car, you need to apply to a lending institution or bank, and then choose the loan method. Generally speaking, 4S stores will have a loan institution in the store, which can be handled in the store without going outside.

First, after selecting the vehicle to be purchased, apply for a loan to buy a car.

Two, fill in the loan application form and credit information questionnaire, and submit relevant certificates to the lending institutions, lending institutions will review the applicant's loan qualification.

Three, after the approval, to sign a loan contract, guarantee contract and mortgage contract, and for vehicle mortgage registration and insurance.

Fourth, after signing the contract and completing the registration, you can get a loan. If you buy a car with a loan, you can get a car license issued by the bank. You can pick up the car at the 4S shop and drive it away.

Materials needed during the formalities: ID card and its copy, copy of household registration book, income certificate, transaction receipt, copy of real estate license, etc.

1. There are three kinds of loans.

Loan to buy a car can choose car installment, credit card installment and bank loan.

Credit card installment: that is, use a personal credit card to make a loan and then repay it in installments. The advantage of credit card installment is that it is convenient and fast, and it does not need too complicated procedures and does not need to provide material proof. The disadvantage is that the loan amount is limited by the credit card amount.

Bank loan: Bank loan is to mortgage the purchased car to the bank, repay the loan in several years, and get back the Green Paper after the loan is paid off. The advantage of bank loan is that the loan amount is larger than credit card installment, but the disadvantage is that the interest rate is relatively high and the procedures are cumbersome and lengthy.

Car dealership staging: Many 4S shops and auto trade cities will have private lending institutions, or cooperate with outside private lending institutions, such as Joy Financial Services of Honda. The lender of this kind of loan is a private person, and there are many ways to lend, but the interest is higher than that of the bank.

2. The interest rate of the loan to buy a car.

The interest rate of bank loans is floating, so you need to consult the bank for details. There are two options for bank loans: equal principal and interest and average capital. The loan term is 1-5 years, but people usually choose 2 or 3 years.

3. What should I do after paying off the loan?

Specific process:

(1) About 10 working days after paying off the last car loan, contact the loan bank in time, handle the loan settlement certificate, and get back the vehicle registration certificate and the car purchase invoice mortgaged at the bank.

(2) Take all relevant materials and go to the local vehicle management office to learn about the mortgage procedures. When the formalities are completed, the ownership of the vehicle will really return to us.

(3) handle insurance changes.

During the period of vehicle mortgage, although the name of insurance is self, the beneficiary is the lender, so after understanding the mortgage procedures, the insurance beneficiary has to change. Usually, in the process of decompression, the insurance change procedures will be handled by the way, which can save the trouble of running the insurance company again.

How to get a loan to buy a car

The process of buying a car with a loan is as follows:

1. Select loan method:

(1) directly apply for a loan to buy a car at a bank outlet, and wait for the bank to lend money after submitting relevant materials;

(2) Buy a car in a 4S shop that cooperates with the bank, sign a car purchase contract or agreement, and apply for a loan from the bank through the 4S shop;

(3) Apply for unsecured personal credit loan, submit relevant materials and certification materials of mortgage materials and wait for the loan;

(4) The customer applies for a loan to buy a car through the financial outsourcing website, the financial institution handles the intermediate process, and the bank approves the loan.

2. Waiting for the bank to issue loans;

3. go through the formalities of picking up the car.

How to borrow a car loan

Auto loans are generally divided into three ways: bank auto consumption loans, auto finance company loans and credit card auto loans.

The basic process of buying a car with a bank loan is as follows:

1, the user first selects the car he needs and negotiates the price of the car;

2. To handle the loan formalities in the auto shop, you need to sign the relevant loan agreement, and at the same time, you need to provide some supporting materials required for personal auto loans;

3. The car loan applicant shall go through the loan formalities with relevant documents and supporting materials, and give the car loan applicant a loan consent after the bank has passed the examination;

4. After the car loan applicant gets the loan agreement, the car dealer will call the customer to pay the car down payment.

5. Car loan applicants can go through the formalities such as picking up the car and listing;

6. After hanging the card, the vehicle driver of the loan car should have been mortgaged in the bank first;

7. A few days after the mortgage, the bank will pay the car dealership and the loan for buying a car will be completed.

Brief introduction of automobile consumption loan:

Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.

Introduction to credit card installment shopping;

Car purchase by credit card installment is a credit card installment business launched by banking institutions. There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for buying a car by credit installment, and the bank only charges a handling fee. The handling fee rate is different in different installments. Due to the limited credit limit of general credit cards, the issuing bank will generally require the cardholder to provide proof of financial resources. The sources of funds recognized by the bank include real estate license or commercial housing sale (pre-sale) contract, purchase invoice, etc. Some banks require a credit card overdraft limit of 654.38 million to 200,000 yuan, and some banks allow cardholders with good credit to apply for credit lines to buy cars in installments.

Can I get a loan to buy an acquaintance's used car?

Looking for acquaintances to buy used cars can get loans from banks. Bank loan requirement: 1, with full capacity for civil conduct and no bad bank credit record; 2. Units with good personal social credit and no bad credit records can also apply, and they need to provide real estate licenses (or purchase contracts) such as business licenses. Customers who have no real estate can find someone to guarantee (the guarantor must have a real estate license or a house purchase contract), and customers who have proof of income and a running account for half a year. Basic requirements for personal loans for used cars: 1. Vehicle type restriction: the age of the vehicle cannot exceed 5 years from the date of production; The loan period for vehicle age cannot exceed 6 years; 2. Loan ratio: 50%-70% of the estimated car price; 3. Loan term: 13 months to 36 months; 4. Car price requirements: higher than the estimated price of 6.5438+10,000 yuan; 5. Interest rate: the annual interest rate is 8.8% (7.33 per month).

So much for the introduction of how to get a loan for a friend to buy a car.