The application process for applying for car loan is as follows:

1, apply for car loan. After the applicant is optimistic about the vehicle to be purchased, he/she needs to fill in the Application Form for Automobile Consumption Loan and the Investigation Form for Credit Information, and submit them to the loan bank together with relevant certificates of personal situation.

2. After receiving the application, the bank will conduct pre-loan investigation and approval.

3. The bank shall notify the borrower to fill in various forms, as well as loan contract, guarantee contract and mortgage contract, and go through the formalities of mortgage registration and insurance.

4. Banks issue loans

5. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on. /Hui You/Xinyi Daiche. shtml

Second, how to handle the auto loan of the Postal Savings Bank?

Postal savings bank's car loan processing process is to submit a loan application → bank investigation and approval → sign a loan contract → implement loan conditions → bank issue loans → loan applicants repay on time. The handling channel can be handled at the local Postal Savings Bank, which has started personal automobile consumption loan business. Issue approval opinions within 2 working days at the earliest. Please consult your local branch for details. Postal savings bank car loan application materials valid identity documents, proof of marital status, proof of occupation and income, proof of repayment ability, proof of down payment, original car purchase contract (or car purchase agreement), motor vehicle driver's license and personal settlement account of China Postal Savings Bank; Other materials required for handling loans.

Third, can the postman apply for a loan?

Postal owner loans are relatively easy to apply for. It is easier to apply for a loan as long as the borrower meets the relevant conditions. The conditions to be met include:

1. The borrower has a relatively stable residence in the local area;

2. The borrower is a person with full capacity for civil conduct;

3. The borrower's income is stable and lasts for more than half a year, meeting the loan conditions stipulated by the local postal bank;

4. The borrower's personal credit record is good;

5. Other requirements of local postal bank.

Four, how to handle the personal car loan of Postal Savings Bank?

Personal car loan of Postal Savings Bank is a RMB loan issued to natural persons to purchase first-hand self-use cars, excluding second-hand self-use cars, commercial vehicles and engineering vehicles. So, how to handle the personal car loan of the Postal Savings Bank? Applicable objects: People's Republic of China (PRC) citizens aged 22-55 with full capacity for civil conduct, foreigners who have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation, and people from Hong Kong, Macao and Taiwan. Loan amount: up to 6,543,800 yuan+0.5 million yuan. The maximum loan amount for domestic cars shall not exceed 70% of the purchase price; The maximum loan amount for imported vehicles shall not exceed 60% of the price of purchased vehicles. Loan term: no more than 5 years. Repayment method: repayment method of equal principal and interest, with the monthly principal and interest unchanged; Average capital repayment method, the monthly repayment principal remains unchanged; Repay the principal and interest in one lump sum, and repay the principal and interest on the maturity date of the loan. Loan guarantee: provide mortgage guarantee with the purchased vehicle. At the same time, it can also increase the guarantee from the cooperative organization or natural person, the cooperative organization or natural person pays a certain amount of deposit, and other guarantee methods recognized by the bank. Handling channel: it can be handled at the local postal savings bank that has started personal automobile consumption loan business. Time limit for processing: issue approval opinions within 2 working days at the earliest. Please consult your local branch for details. Handling process: submit loan application → bank approval → sign loan contract → implement loan conditions → bank issue loan → borrower repay on schedule. Application materials: valid identity certificate, marital status certificate, occupation and income certificate, repayment ability certificate, down payment certificate, original car purchase contract (or car purchase agreement), motor vehicle driver's license and personal settlement account of China Postal Savings Bank; Other materials required for handling loans. Product features: Convenient-convenient application, quick approval and transparent service make you and your car at your fingertips without waiting for a "loan"; High amount-the maximum loan amount is 6.5438+0.5 million, which can meet your multi-level car purchase needs; Easy-the repayment method is flexible, which allows you to repay the loan easily and enjoy life.