1. Prepare materials, including husband and wife's ID card, household registration book, marriage certificate, real estate license, purchase contract or invoice, and bank statement of personal account for the last six months;

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials;

3, the borrower will mortgage property ownership certificate and insurance policy or securities to the bank custody;

4. The guarantors of both borrowers and borrowers sign the Housing Mortgage Loan Contract and notarize it;

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement;

Specific information required:

Loan application form (filled in according to bank standard format); The automobile consumption loan agreement signed with the automobile dealer; Household registration book and identity card; Marriage certificate or unmarried certificate; Proof of income; Utility bill; Real estate license; Academic certificate. You must pass the preliminary examination of the bank first.

note:

1, notarized. Mortgage customers who have passed the preliminary examination of the bank can go through the relevant procedures such as car purchase, licensing and vehicle insurance, and then go through the notarization on another day. Notarization requires carrying motor vehicle registration certificate, rubbing of vehicle engine and frame number, car purchase invoice, insurance policy, purchase tax invoice, down payment certificate, motor vehicle driving license, mortgagor's ID card and private seal.

Customers need to personally sign a formal loan contract and mortgage contract at the bank or notary office, which will be notarized on the spot.

2. After the formalities are complete, the bank will go to the vehicle management office to handle the vehicle mortgage formalities. Generally, the whole loan procedure can be completed within one week.

If you want to get a car faster and have a house, you can mortgage the property right to the bank and buy a car. As long as the repayment is made on time, it is more cost-effective.