First of all, answer directly.
4S shop loan car purchase process is as follows.
Second, the specific analysis
1. Choose a car in a 4S shop, and both parties sign a car purchase agreement.
2. Apply for a loan from a bank (auto consumption finance company) through a 4S shop, and submit the completed loan application form together with the car purchase agreement, identity certificate, household registration certificate, income certificate and other materials.
3. The bank (auto consumption finance company) conducts an audit to evaluate the value of the purchased vehicles.
4. After approval, give an evaluation of the loan amount, sign a loan contract at the outlet within the agreed time, pay the down payment at the same time, and handle the mortgage registration and other related procedures.
5. Banks (auto consumption finance companies) issue loan funds.
After the payment is received, you can go to the 4S shop to pick up the car and get the card.
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How many days can a 3.4s shop loan usually pick up the car?
4s shop loans to buy a car can usually pick up the car in 5 days.
4s shop loan to buy a car as long as the loan passes, you can pick up the car immediately if there is a car in the store.
When a user submits a loan application to buy a car in a 4S shop, the auto finance consumer company will immediately review it, and the approval will be completed within about one week. After approval, you can sign a loan contract, pay a down payment, go through the formalities of vehicle mortgage registration, and then the finance company can make a loan, after which you can pick up the car.
Of course, if there is no existing car, the time of picking up the car will be delayed, and the dealer will have to be consulted for the specific time of picking up the car.
4s shop mortgage car purchase process
The process of buying a car by mortgage in a 4s shop:
1. First, choose a 4s shop and choose a suitable model in the 4s shop. Before choosing a car, it is best to go to the major car websites to learn about the relevant configuration information and the transaction prices of local car owners. The owner's transaction price can give you a good price reference to avoid being fooled by sales.
2. Provide the relevant information of the buyer to the 4s store, and the 4s store will evaluate it according to the information provided by you, and put forward relevant loan suggestions together with you. Generally, if the 4s shop can pass the preliminary examination, the bank's audit is not a big problem;
3. At this time, the 4s shop will give you a letter of intent to buy a car. This letter of intent is the proof that you borrowed money from the bank to buy a car. With the letter of intent to buy a car, you can go to the bank to go through the relevant procedures. It usually takes about a week to get the results. In fact, there are many factors that affect the loan, among which occupation, income, real estate and personal credit information have great influence. Therefore, unemployed people are generally not approved by banks;
4. After receiving the notice from the bank, you can sign a car purchase agreement with the 4s shop. Be sure to check the information carefully before signing, especially the vehicle configuration and the goods or services given with the car. After that, you need to pay the down payment of the vehicle;
You can pick up the car after completing the formalities of insurance, mortgage and notarization. In fact, these procedures can be handled in 4s shops.
What is the procedure for an individual to go to a 4s shop for a loan to buy a car?
What is the procedure for an individual to go to a 4s shop for a loan to buy a car?
If you have seen the car you need to buy through the car dealer, you can confirm whether you have cooperation with China Merchants Bank through the car dealer. If not, you can try to contact the personal loan department at the counter of China Merchants Bank directly to apply for a loan for you. The handling bank needs to examine your situation in detail to determine whether it can be handled.
What are the procedures for buying a car with a 4S shop loan?
You just need to take the following information to deal with it.
1. I and my spouse's ID card (such as ID card, temporary residence permit, residence permit, passport, etc.). );
2. Personal and spouse's household registration book;
3, marriage certificate (married, provide a marriage certificate; Unmarried, provide single proof);
4. Motor vehicle driver's license (I or my spouse can);
5. Proof of property (such as real estate license, house purchase contract, loan contract, etc.). );
6. proof of residence (such as water and electricity bills);
7. proof of income (such as tax payment certificate, bank salary, etc.). );
8. Other material certificates and qualification certificates.
4s shop loan car purchase process
The process of buying a car with a loan
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.
What are the procedures for buying a car with a loan from Shanghai Volkswagen 4S shop?
Bring all documents (ID card, bank card/credit card, proof of income).
Sign an agreement with 4S, and then let 4S contact the bank staff to sign an agreement with you.
Deal with loan review,
After passing, take a credit card to the 4S shop to pick up the car.
What is the handling fee for buying a car in a 4S shop? What are the conditions for buying a car in a 4s shop?
Hello, some branches of our bank have launched "personal car consumption loans", which can be used to buy brand-new non-operating cars in my own name (at present, second-hand car loans are not supported, and the purchased cars are used as collateral, and the general minimum loan amount is 50,000 yuan). If you take a fancy to the model you need to buy at the dealership, you can confirm whether you have cooperation with China Merchants Bank through the dealership. If not, please contact the personal loan department of China Merchants Bank directly to apply for a loan. The handling bank needs to review before deciding whether it can be handled. Application materials generally required for loan application: 1. Identification information; 2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc. ; 3. Proof of local residence: fixed telephone bill for any three months in the past year, or public utility bill such as water and electricity bill, or other materials that can prove the address; 4. Guarantee certification materials; 5. Proof of use: provide the invoice for the full amount of car purchase before the loan is issued, or provide the car purchase agreement (contract) plus the down payment invoice (or the receipt stamped with the dealer's official seal). After the loan is issued, the full car purchase invoice (if not provided before the loan is issued) and the vehicle purchase tax payment certificate shall be provided; 6. Proof of repayment ability: our payroll customers can directly provide their payroll account flow; Social security account flow or personal tax bill, etc. ; If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.
The process of buying a car with a loan in a 4s shop
The general steps of buying a car with a loan are as follows:
Book a car first;
Handling loan procedures in 4S shop: including providing information and signing loan details;
Waiting for the loan agreement of the bank to give this loan to the 4S shop;
After obtaining the consent form, the general 4S shop will inform the customer to pay the down payment;
The customer picks up the car and gets the card;
After the card is completed, the information is mortgaged to the bank;
A few days after the mortgage (usually according to the bank's audit), the money will be paid to the 4S store.
What do you need for a 4S shop loan to buy a car?
It depends on who the buyer is. Bring your household registration book and ID card. If the married person still has a marriage certificate, the income certificate of your work unit is basically enough. Of course, you can bring the real estate license, which is enough to prove that you have the ability to repay! Forgot to adopt
4S shop loan car purchase fee
If the fee is unreasonable, you can apply for a loan from the bank yourself, saving this high handling fee.
Let the 4s shop handle the loan and car purchase procedures.
4S shop mortgage loan process is as follows:
First, the applicant applies for a loan;
Second, the dealer conducts a preliminary examination of the applicant's loan qualification and signs an opinion;
Third, the dealer examines the applicant's loan qualification and conducts the preliminary examination of the bank;
Four, the dealer signed a car purchase contract with the applicant after the audit;
Fifth, the applicant pays the down payment and fills in the vehicle acceptance handover form;
Sixth, handle mortgage, notarization, insurance and other procedures;
Seventh, bank lending;
Eighth, the applicant repays in full and on time.
When you buy a car by mortgage in a 4S shop, you should pay attention to one thing: when applying for a loan, you must prepare the materials needed for the loan, and provide effective financial certificates such as good income certificates as much as possible to ensure the smooth approval of the loan.
In addition, the borrower must make a repayment plan in advance to avoid bad credit records due to overdue.
What should I pay attention to when I borrow money to buy a car in a 4s shop?
Matters needing attention in buying a car with mortgage loan in 4s shop: 1, interest-free car loan ≠ free of handling fee. At present, some dealers introduce interest-free car loans to attract customers. The actual discount may not be as affordable as expected, because they will charge a certain handling fee while being interest-free, which may be similar to interest. When buying a car, you need to carefully screen it according to the actual situation; 2. If the price of the new car purchased is 200,000 yuan, the loan amount is half, and the handling fee is 5%, even if the interest is exempted, it needs to pay 5,000 yuan more than the full car purchase, which needs to be paid together with the down payment. If you buy interest-free and free of charge, it is relatively affordable; It is necessary to buy car insurance. Because the owner of the car is not entirely an individual consumer before the loan is settled, in order to reduce the risk, the dealer will generally put forward some car insurance that must be purchased as the loan condition in the car loan contract. Generally speaking, when buying a car with a loan, the dealer will at least ask consumers to buy four main insurances in the store. For a car of 200,000 yuan, the insurance cost is about 1 10,000 yuan. Brother Gang reminded us that when handling car loans, we must read the relevant insurance clauses carefully.
The introduction of 4s shop loan car purchase ends here.