First of all, answer directly.
Handling a new car loan requires the following procedures.
Second, the specific analysis
1. Choose a car in a 4S shop and sign a car purchase contract agreement with the car dealer.
2. Prepare personal ID card, local household registration book or temporary residence permit, proof of economic income, car purchase contract agreement and other materials to apply for a loan from a bank (auto consumption finance company), get an application form, fill it out, and submit the form together with the materials.
3. The bank (auto consumption finance company) conducts an audit, evaluates the value of the vehicle, verifies the loan amount after examination and approval and notifies it.
4. After receiving the approval notice, sign the loan contract at the outlet, pay the down payment/deposit, and handle the mortgage and other related procedures.
5. Banks (auto consumption finance companies) issue loan funds.
6. go to the 4S shop to pick up the car.
It can be seen that the procedure is not complicated, and after submitting the application, the audit can be completed in one to two weeks, and then the loan can be received in one or two months.
So the overall time spent is about two or three months.
If you don't know your online loan application, you can try to get a big data report on "Beijian Quick Check", check your detailed loan records, and then confirm that you borrowed the money yourself. At this time, you should pay off all the money you owe, and then contact the customer service of the corresponding platform to let them handle it and see if the blacklist of online loans can be eliminated.
Third, I can't afford the car loan. The car was towed away. Do you still owe the bank money?
If you take the car away because the car loan is not paid, whether you still owe it to the bank depends on the specific situation.
If the proceeds from the car auction are enough to compensate for the loan, or even there is a surplus, then after paying off, there will naturally be no money owed to the car loan handling bank, and the surplus after the auction funds compensate for the car loan will be returned.
If the proceeds from the car auction are not enough to cover the loan, naturally you still owe money to the car loan handling bank, and you have to bear the repayment responsibility of the remaining outstanding loans.
In this case, it is recommended to pay off as soon as possible. If not, you can take the initiative to contact the bank's customer service to negotiate and try to apply for an extension of the repayment period and repay the arrears in installments.
Don't continue to evade repayment, or you may be included in the list of untrustworthy people if you refuse to repay after being judged by the bank. Don't say that the credit business is blocked, and daily consumption and travel will be affected.
Second, the Harvard financial car loan process?
1, application
Select vehicle models and financial products, and submit loan applications.
Step 2 agree
Loan review and approval, after receiving the application, we will communicate with customers by telephone according to their credit status and information provided, and give approval opinions.
Step 3 sign a contract
Pay the down payment and sign the contract; Register for insurance and mortgage. Signing includes loan contract, mortgage contract, transfer authorization, etc. Pay the down payment, go through the vehicle-related formalities, and assist in the vehicle mortgage registration.
Step 4 pick up the car
Enjoy a car and pay back monthly.
3. What is the procedure for buying a car with a loan?
1. The borrower submits the application materials;
2. The handling bank conducts preliminary examination on the application materials submitted by the borrower, and conducts credit investigation and customer evaluation on the borrower;
3 through the preliminary examination and credit investigation, examination and approval of loan applications that meet the loan conditions;
4. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower;
5. After the loan contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase. /Hui You /xinyidaiwmcar.shtml
4. What is the process of buying a car with a bank loan?
1. Select the loan car purchase mode. Apply for a loan to buy a car. After the guarantee procedures are implemented, customers can choose dealers to buy their own satisfactory vehicles. Mode 2 selects the car to be purchased, signs a car purchase contract or agreement with the dealer, and then applies for a loan through the dealer. Choosing a loan to buy a car carefully is the most important step in the process of buying a car with a loan. 2. Application: read the application form and the credit status questionnaire, and submit them to the loan bank together with the relevant certificates of personal situation and vehicle information parameters of the vehicle (provided by the seller). Write it. They'll check it. 3. After accepting the loan application, the bank will investigate the credit status of the borrower and guarantor. For those who meet the loan conditions, the bank will promptly notify the borrower to fill in various forms. 4. Contract signing: notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures. Contract, one for the bank and one for you; You have to sign a car sale contract, one for the car dealer, one for you and one for the bank. 5. The issuing bank directly transfers the money to the account of the automobile dealer. 6. Handling car pick-up procedures: The borrower will hand over the down payment to the car dealership to handle the car pick-up procedures and give the car a license. After completing the license plate, the vehicle production certificate, invoice, insurance policy, driving license, ID card and household registration book are handed over to the bank. After the mortgage, the bank will put the driving license and ID card account book in pingan.com/youhui/xinyshtml..