Used cars can be disposed of in stages. The following is the specific method: 1. Application Form: Fill in the application form for automobile consumption loan. 2. Proof of repayment: you need to provide your own running bill for three to six months. Note: Under normal circumstances, the contribution next month will not exceed 60% of the total disposable income of the family. 3. Personal information: hukou, guarantor's ID card, housing certificate and personal income certificate. All documents must be originals and copies. 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. One for the bank that signed the vehicle loan mortgage contract and one for the buyer; You also have to sign a car sales contract, one for the car sales company, one for the buyer and one for the bank. 5. Lending: The loan issued by the bank is directly transferred to the account of the automobile dealer. 6. Handling car pick-up procedures: the car buyer pays the down payment to the car dealership, and handles car pick-up procedures and licensing with the passbook and the car pick-up note issued by the bank.
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Second, how does Beijing apply for a car loan? I want to get a loan to buy a car
Basic introduction of automobile consumption loan
Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.
Edit paragraph 2. Apply for a car loan.
1, application conditions for automobile consumption loan
To apply for a car loan, in addition to buying cars within a limited range from a special dealer recognized by the bank, the car buyer applying for a car loan must also meet the following conditions: (1) The car buyer must be at least 18 years old and a China citizen with full civil capacity. (2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products. (3) During the loan application period, the car buyer will deposit the car purchase down payment lower than that stipulated by the bank into the account of the bank savings counter. (4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan. (5) Car buyers are willing to accept other conditions deemed necessary by the bank. If the applicant is an enterprise or institution with legal personality, it shall meet the following conditions: (1) It has the ability to repay bank loans; (2) During the loan application period, there is no less than the down payment for car purchase stipulated by the bank and deposited in the accounting department of the bank; (3) Providing recognized guarantees to banks; (4) Willing to accept other necessary conditions proposed by the bank. The special dealer referred to in the loan refers to the automobile dealer who is selected by the branches at all levels of the bank according to the financial strength, market share, credibility and other factors of the dealer, and then reported to the head office, and signed an automobile consumption loan cooperation agreement with each branch after confirmation by the head office.
2. Automobile consumption loan application process
1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time; 2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate; 3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract; 4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract; 5. loan settlement. Loan settlement includes normal settlement and early settlement. ① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment); ② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved. After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.
Edit paragraph 3. Four details to be paid attention to when applying for automobile consumption loan.
Detail 1: Interest-free car loans are subject to handling fees.
At present, many auto financing companies have launched interest-free car loans, but the regulations on handling fees are different, some need to be charged, and some don't. If the car you want to buy is interest-free and fee-free, it is still relatively affordable. If you need to charge a handling fee, you must carefully calculate and measure it. The handling fee of car loan is generally between 4% and 7% of the total car payment, and the handling fee is paid at the same time as the first month payment. If the handling fee is too high, consider other types of car loans.
Detail 2: Read the relevant insurance clauses carefully before applying for a car loan.
Buying a car with a loan is to mortgage the car to the bank. The car belongs to the bank before you pay off the bank loan. In order to reduce the risk, banks generally require you to buy some auto insurance as a loan condition in the car loan contract. The premium of these insurances may not fully meet your requirements, and may even be too high, so you must read the relevant insurance clauses carefully when applying for a car loan, and you can't ignore this cost.
Detail 3: There are many restrictions on buying a car with a zero-interest loan.
Many manufacturers and car loan agencies have introduced interest rate loans to buy cars, especially some high-end cars. However, there are two restrictions on buying a car with a general interest rate loan: first, you can't enjoy the cash discount for activities related to zero interest rate, and sometimes the amount of these cash discounts is quite large; Second, buying a car with interest rate loans is easily restricted by time, region and dealers, and it is not always a unified activity. If you want to buy a car with an interest rate loan, the above two aspects must be considered comprehensively.
Detail 4: seriously consider the floating car payment and loan interest rate.
Generally speaking, if it is an interest-free loan, the car price will always rise to a certain extent, and the price of cash car purchase and loan car purchase cannot be the same. In this case, you have to calculate how much the floating amount is, and whether it exceeds the total interest of buying a car with a commercial loan. If it exceeds, you may wish to apply for a commercial vehicle loan. If not, you can apply for an interest-free loan.
3. Can I apply for a two-year interest-free loan to buy a used car? Regular bank loans.
I can definitely answer you, no! Interest-free loans are only a means of marketing for manufacturers' finance, and also a marketing method for manufacturers and cooperative banks. To put it bluntly, your interest-free loan is only guaranteed by the manufacturer. At present, used cars have never been seen without interest, and even if there is, it is a way for you to repay interest from other places.