How to apply for a personal car loan?
1. Customer application. 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 bank examines the application materials submitted by the borrower, the two parties sign a loan contract and a guarantee contract, and handle relevant notarization and mortgage registration procedures as appropriate.
3. issue loans. After the bank has passed the examination and completed all the formalities, the bank will directly transfer the money to the car dealer's account according to the contract.
4. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.
5. loan settlement. Loan settlement includes normal settlement and early settlement. Normal settlement refers to the settlement of the loan on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment repayment); Early settlement means that the borrower must settle part or all of the loan before the loan maturity date, and must apply to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after being approved by the bank.
Personal car loan application materials
1. Personal commercial vehicle loan application form;
2. Valid identity documents of the borrower and his spouse, household registration certificate or valid residence certificate of the city where the loan bank is located, marital status certificate or unmarried statement;
3. Personal income certificate (personal tax payment certificate, salary certificate, and average financial assets in our bank or other banks for nearly 6 months);
4. The down payment bank deposit certificate or relevant certificate issued by the dealer;
5. Car purchase contract, insurance contract, operation contract and commitment letter of the transportation company;
6. Supporting documents related to loan guarantee.
Million car purchase subsidy