The general process is: signing the bill (customer 4S), sending the bill for review (working in the guarantee company), home visiting to evaluate the loan (inside the guarantee company), informing the customer of the loan review result, submitting supplementary materials for review (bank guarantee), approving the loan by the bank, collecting post-loan data, returning the contract, handling the vehicle mortgage, and canceling the mortgage after the loan is settled.
According to the current car loan market, the premise of lending is that the down payment has been paid, and the proportion of lending is generally 70% of the fare. The loan time depends on whether the applicant has a local property. If you have, you can stay for 3 years, if you don't have a loan, you can borrow for 2 years. Generally, it will be compulsory for more than one year (13 months) (the bank loan system requires that the loan must exceed 1 year), and prepayment is generally not accepted, except for CCB loans.
In terms of fees, the specific guarantee companies are different. The standard varies according to whether you have real estate, whether you are a foreigner, whether you have a guarantee (in general), and whether the loan exceeds 20W. Anyway, the average person's car loan will be less than 20W, and the charge is generally 1800 yuan/pen -3500 yuan/pen.
The above is the basic content of car loan, even if you understand it, you will enter the door. There are many other details, such as how to fill in the form, how to sign the contract (whether there is a spouse or not is different), the applicant for driving license and the owner must be the same person, the auto insurance of the loan vehicle should be fully guaranteed, and the beneficiary of the loan should go to the loan bank. .
There are too many details. There are no existing books. General guarantee companies have business manuals. I don't know whether the above answers are in line with the main purpose of your book, but I hope that things will get better.