30% down payment for a loan to buy a car requires formalities: generally, some documents need to be prepared first, such as single certificate (marriage certificate), real estate license and income certificate, which is as fast as the guarantee company's review. Second, third, send the information to the bank for retrial. Third, review the loan and issue it to the car dealership. Second, third, get insurance. Guarantee companies and banks will use the weekend break to reproduce the car. The premise is that you can pick up the car in two weeks and delay it for about three weeks.

How long does it take for 2.4s shops to approve car loans? How long will it take for the 4s shop to get the car loan?

Now many consumers choose to borrow money to buy a car. Many people are anxious to know how long it will take for the 4s shop car loan to be approved and how long it will take for the 4s shop car loan to be completed. Generally speaking, it takes 1-3 working days for fast bank loans, and half a month for slow loans at most. If it is an auto financing company, the loan approval will be faster.

The process for ordinary consumers to apply for car loans is as follows: 1. Consumers sign car purchase contracts with car dealers; 2. The borrower applies to the lending institution for auto loan business; 3. The lender signs a contract with the borrower after investigation; 4. The borrower shall go through the formalities of notarization and mortgage of automobiles; 5. The loan shall be made immediately after the approval of the lending institution; 6. The borrower pays off the debt within a time limit, and the bank cancels the pledge certificate and returns it to the customer.

If the following circumstances occur, the approval may not pass: First, the individual has bad credit information, and if he is married, one of them may have too many bad credit information records to pass the approval; Second, there are too many debts at present, and there is a great chance that the general debt will not be approved if it exceeds 50% of the car payment; Three, raise the price of false information or fill in false information.

Because banks and credit cards have higher threshold for installment loans, loan investigation and review will be stricter, so the time for issuing auto loans will be slightly longer. The review requirements of auto financing companies are slightly relaxed, so the approval should be faster. As for whether you can pick up the car on the day of mortgage down payment, it is generally impossible, because it takes 2-3 working days to review the information, and it can be completed within one week at the longest. Of course, it is also possible to pick up the car on the day of full purchase.

3. How long does it take for an individual to apply for a car mortgage?

It generally takes about 15 working days for an individual to apply for a car mortgage. After the applicant submits the car purchase contract, ID card and income certificate, the bank will record the materials submitted by the applicant and other relevant procedures.

Banks will only sign loan contracts with others after the major evaluation and related procedures are completed. It takes about 15 days for the bank to sign the loan contract within 3 working days after the contract comes into effect.

Article 42 of the Regulations on Motor Vehicle Registration applies for the pledge or cancellation of the pledge of a motor vehicle. The motor vehicle owner and the pawnshop shall apply at the same time, and the motor vehicle owner shall fill in the application form and submit the following certificates and vouchers:

(1) Motor vehicle certificate;

(2) Motor vehicle registration certificate.

Within one day from the date of the car, the certificates and vouchers submitted for inspection shall be filed or cancelled in the car pledge.

Under any of the circumstances specified in Item (1), Item (7) and Item (1) of Article 9 of these Provisions, the pledge filing shall not be handled. The certificates and vouchers submitted by the owner of the motor vehicle are invalid, or the motor vehicle is pledged and filed by the people's procuratorate or the administrative law enforcement department according to law.