2. In the routine procedure, to buy a car through a bank loan, you need to apply for a guarantee, and you need to pay a certain deposit and related handling fees (including mortgage service fees, mortgage fees, judicial fees, etc.). , * * * about 3000-4000 yuan) for vehicle mortgage registration, and submit all kinds of proof materials required for mortgage guarantee, such as proof of work income, proof of assets and liabilities, proof of marital status, etc. This process is cumbersome, and the time for bank approval ranges from 5 days to 30 days.
perform formalities
1. Car buyers go to the bank's business outlets for consultation, and the outlets recommend special dealers who have signed a cooperation agreement with the bank for second-hand car consumption loans.
2. Select the used car to be purchased at the dealer, and sign a car purchase agreement with the dealer, indicating the model, quantity, color, etc.
3. Bank outlets apply for loans. The materials required for bank outlets to apply for loans include: personal loan application, valid ID card, proof of professional income, basic family information, car purchase agreement, required documentary guarantee, and other conditions stipulated by the lender.
4. Banks check users' credit. The bank shall notify the auto borrower within 15 working days after accepting the loan application, and sign a loan contract for second-hand car consumption with the borrower who meets the loan conditions. The maximum loan for second-hand car consumption does not exceed 60% ~ 80% of the car purchase price (different lending banks), and the loan period does not exceed three to five years (different lending banks, taking Beijing as an example, have a down payment of 50% for second-hand car loans, and the loan period is up to three years).
5. Sign loan and guarantee contracts. If the applicant meets the loan conditions, the bank will sign a loan contract and related guarantee contract with him. Guarantee method and corresponding process: if the user provides a third party joint and several liability guarantee (except banks and insurance companies), the guarantor signs a guarantee contract with the bank, or the insurance company provides a joint and several liability performance guarantee or the bank provides a guarantee. If the user guarantees by mortgage or pledge, he shall sign a mortgage or pledge contract with the bank. If the house is mortgaged, the bank will go through the mortgage registration with the mortgagor at the county real estate registration office where the house is located after the appraisal and confirmation by the designated appraisal agency. The contract will take effect after obtaining the certificate. In case of pledge, the pledge contract will take effect after the property right certificate is handed over to the bank.
6. After the above procedures are completed, the bank shall issue a loan notice to the special dealer in time. If the purchased second-hand car is used as collateral, the bank shall issue a loan notice to the special dealer in time. After the purchased second-hand car is returned, the bank will go to the vehicle management office for mortgage registration. Have a license.
7. Banks issue loans, and users handle vehicle insurance and pick up cars. After receiving the loan notice 15 days, the special dealer will hand over the customer's car purchase invoice, payment voucher and driver's license (copy) to the bank. After the customer goes through the formalities of property insurance, the bank issues loans. Types of insurance include: car damage insurance, third party liability insurance, burglary insurance, spontaneous combustion insurance, etc. The insurance period shall not be shorter than the loan period.