1, you have to pay the down payment at the car sales point.
2. The auto sales company will inform the guarantee company to make an investigation for you (that is, to see what your job is, where your home is, and take photos), collect your relevant information (ID card, household registration book, copy of marriage certificate, real estate license, and even take photos at your work place), and fill in the income certificate for you. The monthly income on the general income certificate is twice that of your car. (If it's too much trouble, you mainly need to find a company seal.
3. After all the information is complete, there will be a few days of bank audit time, during which the guarantee company will tell you to pay attention to the bank calling you (in fact, it will not call you). After the audit time, you will become the original of the relevant information and pay the guarantee fee to the guarantee company. The guarantee fee depends on your loan amount. I also paid an extra deposit of 1000, saying that I would return it after I finished it.
4. The formalities of the guarantee company have been completed (I forgot to tell you that the employees of the automobile sales company will accompany you all the way). Take the original materials to the bank to sign the loan contract, and the procedures are complete.
In 5, 3-5 days, the bank will remit the money to the car company. You can choose the license plate number first (of course, you have to buy auto insurance, and the mortgage is all-insurance, about 5,000 yuan). After choosing, go to the door and bring about 8000.
This is the process, many words, please forgive me!