I. Bank personal loan process 1. Preparation of related procedures: The procedures to be submitted for general loans mainly include: loan application, customer ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse ID card and household registration book are also required). If it is a customer with a mortgage loan, it is necessary to issue a property certificate of the collateral; If you are a customer with unsecured loans, you need to provide a good credit record. 2. Apply to the bank: After preparing the relevant materials, the customer can submit the relevant materials to the bank or the law firm entrusted by the bank. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties. 3. Approval before bank lending: If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and explain the situation to the customer. 4. Go through other legal procedures: In addition to the contract, the customer also needs to go through some legal procedures. If it is the customer bank loan interest rate network of mortgage loan, the customer also needs to go to the relevant department to register the mortgage for future inquiry. 5. Bank Lending: After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account. II. Materials required for individuals to borrow from banks 1. The borrower's valid identity card and household registration book; 2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

2. What are the requirements for applying for a second-hand car loan?

1, a natural person with full capacity for civil conduct;

2. Good credit status;

3 records;

4. It is required to use the purchased second-hand car as collateral and handle vehicle insurance according to the requirements of the bank.

legal ground

Article 394 of the Civil Code

In order to ensure the performance of the debt, if the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property.

The property provided by the debtor or a third party as mentioned in the preceding paragraph is mortgaged property.

Third, the second-hand car loan process

For those who have just worked for a few years and have little savings, but want to own a car, buying a second-hand car is nothing more than the best way. If consumers want to handle the second-hand car loan business through the bank, besides paying the prescribed down payment and meeting the loan conditions, what procedures do they need to go through to get the loan? Tell you how to take the second-hand car loan process. Used car loan, you need to do this. The first step: car buyers go to the bank outlets for consultation, and the outlets recommend special dealers who have signed relevant agreements with the bank for users. Step 2: Go to the dealer and choose the used car you want to buy, and sign a car purchase agreement with the dealer to clarify the model, quantity and color. Step 3: Let the buyer apply for a loan at the bank outlet and submit the materials. Personal loan application, valid identity documents, proof of occupation and income, basic family information, car purchase agreement, documents required for guarantee and other conditions stipulated by the lender are generally required. Step 4: The bank checks the credit status of users. After the loan application is accepted, the bank will inform the car buyer. If the user does not meet the loan conditions, the bank will return the application materials to the applicant. If the loan conditions are met, the bank will sign relevant agreements with the borrower. The maximum loan amount for second-hand car consumption shall not exceed 50% of the purchase price, and the longest loan period shall not exceed three years. Step 5: Sign the loan and guarantee contract. If the applicant meets the loan conditions, the bank will sign a loan contract and related guarantee contract with him. Step 6: the bank issues loans, and the user handles vehicle insurance and takes the car. Step 7: The customer pays back the used car on time. How much should I prepare for the down payment of used cars? According to the provisions of the Measures for the Administration of Automobile Loans, the amount of self-use automobile loans granted by lenders shall not exceed 80% of the price of automobiles purchased by borrowers; The second-hand car loan amount shall not exceed 70% of the borrower's car purchase price, that is, the minimum down payment for new cars and used cars is 20% and 30% of the car purchase price respectively. This means that the minimum down payment for new energy vehicles, new cars and used cars is 65438+ 05%, 20% and 30% of the total car purchase price respectively.