Legal analysis: car loan process: 1. Bring valid personal identity documents and vehicle driving licenses to banks or financial institutions to apply for vehicle mortgage loans; 2. Fill in the vehicle mortgage loan application form; 3. It takes about a week for the bank to review the borrower's qualification; 4. After approval, go through the mortgage registration formalities for Chemin yard eggplant vehicles; 5. Sign loan contracts and mortgage contracts with banks; 6. Bank loans, the borrower can repay according to the contract. In most car mortgages, you can mortgage the relevant documents of your riding to a lending institution to get a loan, and the car will be used as usual after GPS is installed.
Legal basis: Article 29 of the General Principles of Loans: All loans shall be signed by the lender and the borrower. The loan contract shall stipulate the loan type, loan purpose, amount, interest rate, loan term, repayment method, rights and obligations of both borrowers and borrowers, liabilities for breach of contract and other matters that both parties think need to be agreed. The guaranteed loan shall be signed by the guarantor and the lender, or the guarantor shall specify the guarantee terms agreed with the lender in the loan contract, affix the official seal of the guarantor as a legal person, and be signed by the legal representative of the guarantor or his authorized agent. The mortgagor, pledger and lender shall sign mortgage contract and pledge contract for mortgage loan. If registration is required, it shall be registered according to law.
Second, how to use online car loans?
Mode of online car loan: 1, micro-loan network; 2. CreditEase Car Loan; 3, 58 car loans, etc. Mortgage car is not a transaction relationship, but a creditor's right transfer relationship. After the vehicle is mortgaged, it is temporarily owned by the lending institution. Before the mortgage agreement is terminated, even if the vehicle is purchased, it is impossible to handle the transfer. So the buyer only has the right to use, not the ownership of the car. Online car loans are prone to unexpected risks. Mortgage car can also buy regular auto insurance, but the buyer does not own the car, only the right to use the car, so if there is a traffic accident, it will be more troublesome. The interest of vehicle mortgage loan is different, because there are two kinds of bidding for vehicle mortgage, one is bank loan and the other is private loan. Generally, the interest rate for applying for a vehicle mortgage loan in a bank is the bank's interest rate for the same period, while the interest rate for private loans is about one point, and bank loans are higher. Moreover, there are two kinds of vehicle mortgage loans: automobile mortgage and non-automobile mortgage. The interest rate in automobile mortgage is lower than that in automobile mortgage.
3. What does the owner loan mean among good owners?
As the name implies, the owner's loan is a loan to the owner.
Owner's loan generally refers to automobile mortgage. At present, there are two common ways, bank mortgage and offline platform mortgage. In order to get the car mortgage more conveniently and quickly, more customers still choose the relevant car loan platform for related loans. Of course, the choice of car loan platform should consider the loan interest rate and service process.
4. How to apply for a car loan online?
Now, some auto financing companies and banks have opened online application platforms, which simplifies the process of lending to buy a car, so that people who want to apply for auto loans can submit their applications while sitting at home. At present, the main companies that can directly apply for car loans online are: SAIC General Motors Finance, Toyota Motor Finance, Dongfeng Nissan Motor Finance, Bank of Communications, China CITIC Bank Loan and Ping An Bank. As shown below, the online loan car purchase process generally has five major steps:
Take SAIC General Finance as an example. Log in to official website, and you can find the down payment ratio, loan term and monthly payment price of each package on the "Car Loan Package" page. You can choose a package that suits you better and click "Apply Now". You can also apply through the "Latest Activities" page, or directly click "Car Loan Application" to enter the application page.
Second, fill in the pre-application online.
1, select the brand first, and then select the specific model under the brand;
2. Choose provinces and cities;
3. Fill in name, age, contact information, etc.
4. Submit materials and complete the application;
Third, submit the application materials
Within 24 hours after submitting the application online, you will receive a phone call from the customer service staff of the website to confirm the application information of car loan (what procedures are needed to buy a car with a loan); After that, the local car loan specialist will calculate the monthly payment according to the local actual car purchase price, and formally submit the application materials such as ID card, household registration book, income certificate and driving license after determining the package.
Fourth, wait for approval.
It usually takes about 3 working days to wait for the audit results of the auto credit approval department.
Five, pick up the car
After approval, apply for local car license and mortgage registration.