1, you go to the 4S shop to negotiate the car price. At this time, you ask for a loan, so the car price will generally be discounted by 5,000 yuan, but at the same time, you need to pay a handling fee of about 5,000 yuan (generally 3% of the loan amount, not 3% of the car price). We must pay attention to this.

2. If you are sure you want to take the loan process, then you should indicate on the car booking form that it is a loan to buy a car, and you should also indicate that if the loan application fails, the deposit will be refunded.

3. The 4S Mall will apply for a loan from the loan bank after your order takes effect and the deposit is recorded. The loan bank will generally check with you on the second working day and ask you to provide some materials, such as ID card and proof of income. These can be sent to them in the form of pictures.

In about 3 working days, this application will be approved, that is, the bank agrees to lend money.

5. After receiving the phone call that the bank agrees to lend money, you take the materials (that is, the pictures you sent to the bank) and go to the loan bank to apply for a savings card. This card has two functions. First, you must deposit money in it to repay the loan; Second, after the bank lends money, it will first transfer the money to your account, and then immediately transfer it to the 4S store.

The process of buying a car with a loan:

1, and conduct a preliminary examination of the application materials submitted by the borrower;

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

3. The bank passed the preliminary examination and credit investigation. To examine and approve loan applications that meet the loan conditions;

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

5. After the loan contract comes into effect, the handling bank will issue the loan. Using special loans, according to the loan contract, the handling bank will directly transfer the loans to the dealer account of the borrower's car purchase.

Information to be prepared when applying for a loan to buy a car:

1, personal loan application;

2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, passes for compatriots from Hong Kong, Macao and Taiwan, etc. If the borrower is married, the identity certificate of the spouse shall be provided;

3. Household registration certificate or long-term residence certificate;

4, personal income certificate, provide proof of family income or property when necessary;

5. Certificate of intention to buy a car issued by the car dealer;

6. Loan to buy a car down payment certificate;

7. If the purchased vehicle is secured by other means other than mortgage, the relevant materials of the guarantee shall be provided, including the pledge certificate, the ownership certificate and evaluation certificate of the mortgaged real estate, and the letter of intent for third-party guarantee, etc.

8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the vehicle's affiliation agreement with the transport fleet and the lease agreement;

9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by the Construction Bank; Vehicle ownership certificate of the vehicle seller, motor vehicle registration certificate of the traded vehicle, annual inspection certificate of the vehicle, etc.