1. When buying a car, we need to book the car first and then go through the loan formalities. We should negotiate specific preferential policies with the sales staff of 4S stores, including car price concessions, giving or buying decorations and other expenses. These must be determined first, and a car purchase contract should be signed. Because there are some differences between the cost of buying a car by loan and the cost of buying a car in full, you should ask carefully during the negotiation stage;
2. Submit the loan procedures. At present, there are two loan procedures. Generally, loans are needed: identification certificates of husband and wife (ID card or temporary id card), driver's license (I or my spouse, student ID card, driving school license and driving school invoice are all acceptable), marriage certificate (marriage certificate, divorce certificate and single certificate) and real estate license (real estate license, house purchase contract/invoice, village committee homestead certificate, etc.). ).
3. Waiting for approval. After submitting the loan procedures, banks, factory finance or third-party finance will generally examine and approve the qualifications of loan applicants. Approval is generally divided into online approval and offline approval;
4. Pay the down payment. After the loan is approved, we need to pay the down payment to the 4S shop first, then the 4S shop will issue a down payment receipt, and finally give this down payment receipt to the bank or financial company to wait for the loan; After paying the down payment, the bank or financial company will lend to the 4S shop or the loan applicant himself, so that we can invoice the car for insurance normally.
Million car purchase subsidy