1, prepare materials. The borrower needs to prepare his own ID card, work certificate, income certificate, residence certificate, loan use certificate and other materials;

2. apply. Bring materials to the bank to fill in the loan application form and submit materials;

3. Bank approval. The bank will investigate and approve the materials;

4. handle the guarantee. The borrower needs to go through mortgage guarantee and other procedures;

5. Sign a loan contract. If the borrower is approved, it can sign a contract with the bank;

6. loans. After signing the contract, the bank is ready to lend money.

Pay attention to buying a car and bank loans.

After the loan is completed, the bank will transfer the loan amount to the personal bank card. At this point, you need to pick up the car at the 4S shop and then pay the remaining 30% down payment. At this time, all expenses have been paid, and various taxes and fees need to be paid (of course, the 4S shop will assist individuals to complete all procedures).

After all formalities are completed, the vehicle registration certificate must be mortgaged in the bank, and individuals should take good tax payment certificates, invoices, vehicle driving licenses and other valid documents. After the vehicle loan is paid off, the 4S shop or the bank will notify the individual to go to the vehicle management office to go through the formalities of putting the car. At this time, the vehicle registration certificate will be considered as "own" car.