I applied for a bank car loan in a shop in 4S, and it took about half a month from the examination to the loan.

Loan process:

1. Customer application. Customers 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 application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate.

3. issue loans. After the approval of the bank and all formalities are completed, the bank will directly transfer it to the account of the car dealer 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 before the loan expires, the borrower has to apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.

How long does it take for a bank to lend money to a 4s shop?

First of all, answer directly.

Generally speaking, auto loan banks will not spend more than a week lending to 4S stores. Relatively speaking, the car loan review does not take long. As long as the loan information is fully prepared, the lender can wait patiently for the loan and pick up the car after the loan is issued.

Second, the specific analysis

Under normal circumstances, when a lender applies for a car loan, the lending institution will review the credit information, income and work information to see whether the lender's credit is good or not and whether it has sufficient repayment ability. If the loan conditions are met, the loan application is naturally no problem.

After the loan is issued, the lender shall repay the loan on time according to the requirements of the loan contract to avoid the influence of overdue credit. At the same time, if the overdue times reach the limit, the lending institution may terminate the loan contract in advance.

General car loans can be repaid in advance. If the lender's economy permits, he can apply for early repayment of the car loan. After paying off the car loan, he must get back the motor vehicle registration certificate in time, and then go to the vehicle management office to go through the formalities of dropping off the car.

Pay attention to personal credit at ordinary times, and don't blindly apply for loans. Otherwise, once big data is spent and you want to apply for loans, you will be refused loans because of insufficient comprehensive scores. You can get a big data report in Beijian and clearly know your situation in online lending big data. The database cooperates with more than 2,000 online lending platforms, and the queried data is relatively accurate and comprehensive.

3. What should I do if the 4s does not give the Green Paper after the car loan is paid off?

After the car loan is paid off, the 4S shop needs to return the user's car green paper and go through the mortgage cancellation procedures.

If the 4S store does not return the green copy, then you can choose to complain to the relevant department.

Generally speaking, after paying off the car loan, users can't get a green copy of the car on the same day. Usually, after a few days, the 4S store will inform the user to go to the store to get the green copy, or the 4S store will send the green copy directly to the user.

Therefore, there is a situation that 4S stores do not give green copies and users can complain directly. This situation will not happen in regular 4S stores.

How long can the 4s car loan be approved _ 4S the pass rate of 4S car loan high?

How long will it take for 4s to get a car loan? It usually takes about half a month. As for the pass rate of car loan in the 4s shop, because the 4S shop definitely wants to promote the sales of cars, if the borrower applies for a loan through the 4S shop, the staff will definitely cooperate actively. According to the users who have handled it, the approval rate is generally good. But generally speaking, it can only save the borrower some trivial matters, and whether it can finally pass depends on the borrower's own actual situation.

The process of buying a car with a loan:

1. The borrower submits the loan application materials to the bank;

2. The bank conducts a preliminary examination of the application materials submitted by the borrower;

3. The bank conducts credit investigation and customer evaluation on the borrower;

4. The bank examines and approves the loan application that meets the loan conditions through preliminary examination and credit investigation;

5. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower;

6. After the loan contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.

The basic requirements for applying for automobile mortgage are as follows:

1./kloc-citizens over 0/8 years old with full capacity for civil conduct.

2. Have legal identity documents, local permanent residence or valid residence certificates.

3 loan individuals should have stable professional and economic income or assets that are easy to realize, enough to repay the loan principal and interest on schedule.

4. The lender's own funds are sufficient to pay the down payment for car purchase stipulated by the Construction Bank.

5. The lender must provide a guarantee recognized by the bank.

6. The lender is willing to accept other conditions deemed necessary by the bank. @20 19

How many days does it take to get a car from a 4S shop?

4-5 days.

When a customer borrows money to buy a car in a 4S shop and submits a loan application to an auto consumption finance company, the other party will immediately review it and complete the examination and approval within one week. After the examination and approval, customers who pass the examination and approval can sign a loan contract, pay the down payment, go through the formalities of vehicle mortgage registration, and then the auto consumption finance company will lend money. This process takes about four or five days.

Matters needing attention in buying a car with a loan in a 4S shop

1. Do you charge fees without legal basis, such as financial investigation fees, mortgage investigation fees and credit card handling fees?

Before signing the contract, consumers must read every clause clearly. The terms in this contract may be more inclined to the seller's side, which is conducive to avoiding the seller's risks.

3. Whether there is unreasonable loan interest rate.

How long does it take to approve the car loan in 4s shop? How long will it take for the 4s shop to get the car loan?

Now many consumers choose to borrow money to buy a car. Many people are anxious to know how long it will take for the 4s shop car loan to be approved and how long it will take for the 4s shop car loan to be completed. Generally speaking, it takes 1-3 working days for fast bank loans, and half a month for slow loans at most. If it is an auto financing company, the loan approval will be faster.

The process for ordinary consumers to apply for car loans is as follows:

1. The consumer signs a car purchase contract with the car dealer;

2. The borrower applies to the lending institution for auto loan business;

3. The lender signs a contract with the borrower after investigation;

4. The borrower shall go through the formalities of notarization and mortgage of automobiles;

5. The loan shall be made immediately after the approval of the lending institution;

6. The borrower pays off the debt within a time limit, and the bank cancels the pledge certificate and returns it to the customer.

In the following cases, the approval may not pass:

First, individuals have bad credit information. If they get married, one of them may have too many bad credit records and may not be approved.

Second, there are too many debts at present, and there is a great chance that the general debt will not be approved if it exceeds 50% of the car payment;

Three, raise the price of false information or fill in false information.

Because banks and credit cards have higher threshold for installment loans, loan investigation and review will be stricter, so the time for issuing auto loans will be slightly longer. The review requirements of auto financing companies are slightly relaxed, so the approval should be faster. As for whether you can pick up the car on the day of mortgage down payment, it is generally impossible, because it takes 2-3 working days to review the information, and it can be completed within one week at the longest. Of course, it is also possible to pick up the car on the day of full purchase.