With the continuous improvement of living standards, no matter in Chengdu or in which city, more and more people begin to choose their own cars. When we can't pay off all the money at once, we often choose loans to ease our financial pressure.
First of all, the most important thing for us is to know what automobile consumption credit is. In short, automobile consumption credit is a RMB-guaranteed loan issued to borrowers who apply for car purchase. It is a guarantee loan provided by banks and car dealers to the car buyers for one-time payment, and insurance companies provide corresponding credit insurance for car buyers. The loan period for buying a car is three years, but it cannot exceed five years. Then let's take a look at the process of handling car loans in Chengdu:
(1) The customer submits a mortgage application to the automobile dealer.
(2) The guarantee company requires customers to prepare personal data according to relevant regulations, mainly including copies of ID card, income certificate, marriage certificate and residence certificate (household registration book or temporary residence permit, etc.). ), real estate license, driver's license, etc.
(3) If the owner is an employee of a state-owned enterprise, a copy of the work permit is also required. If the owner is an individual and private household, a copy of business license, tax registration certificate, organization code certificate and other relevant documents is required. However, you also need a guarantor with a Chengdu account.
(4) After the materials are fully prepared, the guarantee company will make a door-to-door investigation and report it to the bank after confirming that the situation is true. Finally, banks sign loan contracts with customers.
(5) Buying a car by loan involves auto insurance. If you buy a car by mortgage from a guarantee company, you should not only buy third-party liability insurance, but also buy auto insurance, car damage insurance and special insurance without deductible.
The main expenses of personal automobile mortgage include insurance premium, guarantee fee, expected annualized interest rate of bank loan, vehicle inspection and licensing fee, vehicle purchase surcharge, etc. At the same time, we are also more concerned about the monthly repayment. Car dealers generally use the equal monthly repayment method, and the calculation formula is: monthly repayment amount = expected annualized interest rate of loan principal/loan period of loan car purchase.
Chengdu automobile mortgage process
1, consult a regular auto mortgage company for loan amount and interest;
2. Submit the materials required for Chengdu automobile mortgage to the company; Information generally includes: motor vehicle registration certificate, vehicle driving license, bank account number (some companies' WeChat and Alipay accounts are valid), credit report, vehicle insurance policy and spare key.
3. The company evaluates the current value of the vehicle;
4. Determine the loan amount, term, interest rate and repayment method (the loan amount is generally 70-80% of the vehicle appraisal price).
5. Formally sign a loan contract with the company, handle vehicle mortgage registration and install GPS.
6. Bank account where the company lends money to the applicant.
Matters needing attention in Chengdu automobile mortgage:
1, interest problem
Generally speaking, the interest on car loans in the market is higher than that on mortgage loans. Generally speaking, most bank loans are between 0.6%- 1%, while the interest of auto mortgage companies is between 0.8%- 1.5%. We see many advertisements with lower interest rates than the market. After signing the contract, I found that the repayment was not the same as advertised. Therefore, when handling automobile mortgage, you must read the contract carefully before signing it.
2. The contract amount is inconsistent with the amount actually received.
The applicant actually received 80,000 yuan, and the contract amount was 654.38+10,000 yuan, which was 20,000 yuan higher. The company will inform us that the money is a deposit, and if there is any overdue record, the money will not be deducted or refunded. This is charging high interest in disguise.
What procedures and certificates are needed to buy a car and mortgage in Chengdu?
1, personal loan application form
2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan.
3. Household registration certificate or long-term residence certificate.
4. Personal income certificate, family income or property certificate when necessary.
5. Certificate of intention to buy a car issued by the car dealer.
6, loan to buy a car down payment certificate
Buying a car by mortgage means that the borrower who applies for buying a car pays part of the down payment first, and the lender issues loans to the buyer in installments for the rest.
Application conditions
1. has valid identification and full capacity for civil conduct.
2. Can provide fixed and detailed proof of address.
3. Have a stable occupation and the ability to repay the loan principal and interest on schedule.
4. Personal social credit is good.