First of all, you need to book a car and then go through the loan formalities. Specific preferential policies need to be negotiated with 4S shop sales staff, including preferential car prices, gifts or decorations. These must be determined first, and a car purchase contract must be signed.
Second, submit the loan plan information At present, the loan plan information can be roughly divided into two categories.
1. General loan requirements: husband and wife's ID card (ID card or temporary id card), driver's license (oneself or spouse, student ID card, automobile study certificate and driving school invoice are all acceptable), marriage certificate (marriage certificate, divorce certificate and single certificate), real estate license (real estate license, house purchase contract/invoice), and village committee's housing foundation certificate, etc. ), and proof of income (individuals can provide business licenses or projects.
2. The down payment ratio is high or the quick loan procedures introduced by individual brand car companies are relatively simple. Generally, only one ID card is needed. At present, if the loan comes from a bank, it will generally be the first data requirement, while most auto companies' own finance companies will adopt the latter simple model.
3. Waiting for approval. After the loan procedures are submitted, the bank or manufacturer's finance or the third-party finance will generally approve the qualifications of the loan applicant, which is generally divided into online approval and offline approval.
1. In the case of online approval, the loan applicant will usually be called to inquire about matters such as car purchase and personal work, and then decide whether to pass. However, if the applicant has good qualifications (such as civil servants, employees of public institutions, and people with good personal credit records). ) and have not contacted the customer, it may not pass directly and automatically.
2. Offline approval is generally a home visit. Some financial company staff actually go to the home or work unit of the loan applicant, and actually go to check the specific situation. This kind of offline home visit is generally only used when the loan applicant's qualification is not very good.
Fourth, pay the deposit. After the loan is approved, we need to pay the down payment to the 4S store first, and then the 4S store will issue a down payment receipt to the bank or financial company for the last time, waiting for the loan.
After paying the down payment, the bank or financial company will lend the money to the 4S shop or the loan applicant, so that we can invoice the car purchase normally.
Precautions:
Five points to pay attention to when buying cars by stages
1, beware of secondary mortgage. Although this problem rarely occurs, car owners should be wary of their cars being mortgaged by dealers for the second time, leading to loan fraud.
2. Don't be fooled by low monthly payment. When auto financing institutions publicize, they often don't directly explain the interest rate, but say monthly and daily payments, such as "only one day to repay the loan 18 yuan", so as to impress car buyers. However, when calculating the loan interest rate clearly, it is often a scary number, many of which will exceed 10%.
3. The handling fee is charged by the dealer. Buying a car is often through a dealer to apply for a loan, and there is a handling fee. Dealers generally claim that fees are paid to financial institutions, but in fact the latter are not allowed to charge loan fees. Loan fees are fees recognized by dealers themselves to make up for some labor costs in handling loans.
Before mortgage, we should cancel the agreement through negotiation. In the process of automobile mortgage, car buyers may encounter unsuccessful approval or slow progress. At this point, the deposit has been paid. If you want to unsubscribe, the dealer refuses to refund the deposit in some cases. Therefore, it is best for buyers and sellers to negotiate in advance.
It is very important to repay the loan in time. Be sure to pay attention to the monthly repayment time, and don't think that one more day doesn't matter. If the financial institution can't deduct the money, it will call the owner within three days, and a phone call will cost two or three hundred yuan, plus interest, which will increase the loan cost unconsciously.