The owner personally signed the card. Car owners go to dmv to go through the licensing procedures, fill in the application form and submit the licensing information. And drive the car to the inspection area of the vehicle management office, and the staff will inspect, take photos and print the frame number of the car. After completion, the owner can choose the number and pay the fee.
In fact, the mortgage car does not necessarily need to be licensed in the 4s shop, but it is recommended that the owner be licensed in the 4S shop. This is because the owner can save the owner's time when he is at 4 o'clock, and the 4S shop is familiar with the permission and makes mistakes, which leads to being caught by the traffic police.
In addition, some people will say that the authorization fee of 4S stores is relatively high, usually ranging from 1000 yuan to several thousand yuan, and the owner can negotiate the price with 4S stores. Under normal circumstances, as long as the owner talks about the price with the 4S shop, the 4S shop is still willing.
Secondly, whether the loan to buy a car is to borrow from the bank or directly to the 4s shop.
Both will do.
Generally speaking, there are additional conditions for loans in 4S stores, such as: you must buy auto insurance from the company designated by 4S stores and specify the purchase period; In bank loan, the procedure is relatively complicated but relatively economical, so we can make comprehensive consideration and finally make a decision.
4s shop loan to buy a car process:
1. Details of the loan application materials submitted by the lender 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 auto lenders;
4. If it passes the preliminary examination and credit investigation of the bank, the loan application is approved;
5. After the customer's qualification and information are approved, you can sign a contract, go through mortgage registration and insurance procedures, sign a vehicle loan mortgage contract, one for the bank and the customer, and also sign an automobile sales contract, one for the automobile dealer, one for the customer and one for the bank; If it fails to pass the examination and approval, the bank will explain to the borrower;
6. After the loan contract comes into effect, the handling bank will issue the loan, and the whole approval process will take 3-5 working days. The bank will adopt the method of earmarking, that is, according to the contract, the handling bank will directly transfer the loan to the 4S shop account purchased by the borrower;
7. Handling car pick-up procedures: After the borrower pays the down payment to the car dealer, he will handle the car pick-up procedures with the car pick-up form issued by the bank, put on a license to pick up the car, and submit the car license, invoice, insurance policy, driving license, ID card and household registration book to the bank. After the mortgage, the bank will return the driving license, ID card and household registration book.
3. Can I apply for a car loan directly in the 4s shop?
4S stores can really apply for car loans. After all, the 4S shop has cooperative relations with many banks and auto consumption finance companies, so customers who intend to borrow money to buy a car can fill in the loan application form through the staff of the 4S shop and then provide the application materials.
The staff of the 4S shop will help to sort out the information and submit it to the auditor of the bank (auto consumption finance company). After that, the bank (auto consumer finance company) will conduct an audit. After the approval, the customer will be informed to sign a loan contract at the outlet, handle the mortgage and other related procedures, and then lend money.
However, customers don't have to do it in 4S stores, they can also go to banks and auto consumer finance companies themselves. Of course, there is usually a discount on car loans in 4S stores, but there may be a certain handling fee.
No matter where it is handled, customers must remember to repay the car loan on time to avoid overdue. Remember to get back the vehicle registration certificate after paying off the car loan and go to the vehicle management office to understand the charging procedures.
Can a 4.4s shop borrow money to buy a car?
China Merchants Bank.
(For business consultation://Forum, you can only buy this brand-new non-operating car.
If you have seen the model you need to buy through the car dealer, if not? from = b & amplog in CMU = 0“target =“_ blank“& gt； /cmu/icslogin？ from = b & amplog in CMU = 0 . aspx . com/CMU/ics log in . aspx . CMB China？
At present, China Merchants Bank handles auto loans. You can try to contact the personal loan department at the counter of China Merchants Bank directly to process your loan application: //forum. You can confirm whether you have cooperation with China Merchants Bank through a car dealer, and you can consult "customer service" online.
This answer was adopted by netizens.