1, select the product that needs car loan;

2. Apply for universal car loan packages and services on the spot according to your own situation;

3, the staff of the loan review and approval;

4. The store signed a contract to pick up the car.

Application requirements

The second-hand car loan business provided by banks has higher requirements for borrowers. Generally, borrowers are required to have a proper occupation, stable income, the ability to repay on time and good personal credit. If you can prove that you own a local property, the borrower's loan application will be more secure.

Take Beijing as an example. Applicants must have Beijing hukou, ID card and permanent residence. /kloc-citizens aged 0/8 to 60; Need to have a stable job and a stable income.

The materials to be prepared for applying for a loan include: the identity card of the car buyer; Household registration book; Housing certificate; Proof of income: the monthly income must be twice the monthly repayment amount; Two recent one-inch photos. If the buyer is married, marriage certificate and spouse certificate are required.

Extended data:

Repayment method

Waiting amount for debt service

When calculating, the interest generated by the monthly loan balance is calculated first, and the repayment principal of the current month is formed after deducting the interest payable from the equal repayment amount.

At the initial stage of repayment, due to the large loan balance, interest accounts for a large proportion in monthly repayment, and the repayment speed of principal is relatively slow. With the passage of time, the loan balance gradually decreased, the proportion of interest gradually decreased, and the proportion of principal gradually increased. This repayment method is more suitable for people with fixed year-end bonus or fixed annual income.

matching principal repayments

The average capital of car loan refers to the repayment method selected by the borrower in the average capital after the car loan. During the repayment period, the total loan amount is divided into equal parts, and the same amount of principal and interest generated by the remaining loan in the month are repaid every month. Because the monthly repayment amount is fixed and the interest is getting less and less, the lender is under great pressure to repay at first, but with the passage of time, the monthly repayment amount is getting less and less. ?

Calculation formula of average capital loan: monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.

Wisdom repayment

This repayment method is a new way of automobile repayment, that is, the loan is divided into two parts, which are repaid in the first and last installment respectively. After the smart balance payment expires, there are three different repayment schemes to choose from:

Option 1: Return the balance in one lump sum at maturity;

Option 2: Refinancing the balance and applying for loan extension 12 months;

Option 3: Return the balance through vehicle replacement.

Baidu encyclopedia-car loan process