The materials required for car loans are as follows:
1. Valid ID card: the original and photocopy of the ID card of the lender and its spouse (if single, single certificate is required). If it is lost, invalid or cannot be produced under special circumstances, some banks or institutions that handle car loans can accept temporary identification.
2. Hukou Book: the first page of Hukou Book and the lender page.
3. Marriage certificate: marriage certificate or divorce certificate (divorce agreement or divorce judgment notarized by notary office). Generally, both husband and wife need to sign, and divorce requires property judgment.
4. Proof of residence: invoices for utilities or lease contracts or temporary residence permits in the last 3 to 6 months.
5. Work certificate: the work (and income) certificate stamped by the unit, and the original and photocopy of the business license provided by the enterprise legal person (it is generally difficult to make credit without employment, except personal mortgage and guarantee).
6. proof of income: information that can prove your monthly income, the bank needs to verify your repayment ability.
What documents do I need for a loan to buy a car?
Materials needed for personal loan to buy a car:
1. Personal loan application;
2. Personal valid identity documents. Including: resident identity card, household registration book, military officer's card, passport, Hong Kong and Macao compatriots' pass to and from Taiwan, etc. If the borrower is married, the identity certificate of the spouse shall be provided;
3. Household registration certificate or long-term residence certificate;
4. Personal income certificate, and provide family income or property certificate when necessary;
5. Certificate of intention to buy a car issued by the car dealer;
6. Proof of down payment for car purchase;
7. Guarantee by means other than mortgage of the purchased vehicle, and provide relevant materials for guarantee, including: certificate of pledge right, certificate of ownership of mortgaged real estate, appraisal certificate, letter of intent for third-party guarantee, etc. ;
8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the vehicle's affiliation agreement and lease agreement with the transport fleet;
9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a car purchase intention certificate and a vehicle evaluation report issued by a bank authorized institution; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.
1, the original ID card, residence booklet or other valid proof of residence, and provide its copy;
2 car purchase agreement, contract or letter of intent signed with the dealer;
3. Other documents required by the Cooperation Organization.
4. Proof of occupation and economic income, and mobile bank;
What are the procedures for a bank loan to buy a car?
1. Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures.
2. After optimistic about the vehicle to be purchased, fill in the Application Form for Automobile Consumption Loan and the Credit Investigation Form, and submit them to the loan bank together with the relevant certificates of personal circumstances.
3. The bank conducts pre-loan investigation and approval. After accepting the loan application, the bank will investigate the credit status of the borrower and guarantor. For those who meet the loan conditions, the bank will promptly notify the borrower to fill in various forms.
4. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.
Disclaimer: The content of the article cannot be used as a basis for investment, and investment is risky, so you should be cautious when entering the market.
What do you need for a loan to buy a car?
If you have limited financial conditions and want to buy a car, you can borrow money to buy a car. What materials do I need to submit for a loan to buy a car? Below, in order to help you better understand the relevant legal knowledge, I have compiled the following contents, hoping to help you.
I. Mortgage
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. 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.
Second, what do you need to buy a car with a loan?
The list of auto loan application materials is as follows:
1. Personal valid identity documents, including resident identity cards, household registration books or other valid identity documents. If the borrower is married, it is also necessary to provide proof of the identity of the spouse;
2. Proof of the borrower's repayment ability recognized by the loan bank, including proof of income and relevant assets;
3. Certificate of intention to buy a car issued by the dealership (if it is handled in the "direct passenger" mode, this item is not required when applying for a loan);
4. If the purchased vehicle is mortgaged or pledged in other ways, it is required to provide the ownership certificate of the mortgaged property or pledge right, the written certificate that the person who has the right to dispose of it (including the owner of the property) agrees to mortgage (pledge) (or the owner of the property can directly sign the loan contract and mortgage contract), and the collateral evaluation certificate issued by the examination and approval department of the loan bank;
5 package design guarantee, the guarantor shall issue a written commitment to provide guarantee, and provide proof materials that can prove the guarantor's guarantee ability;
6. Proof of down payment for car purchase;
7. If the vehicle purchased by the loan is a second-hand car, it is also necessary to provide a certificate of intention to buy a car, a vehicle evaluation report issued by an evaluation agency recognized by the loan bank, a vehicle property right certificate of the vehicle seller, a motor vehicle registration certificate of the traded vehicle and a vehicle annual inspection certificate.
8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the affiliation agreement and lease agreement for the vehicle to be affiliated with the transport fleet;
9. Other documents, certificates and materials required by the lending bank.
The bank acceptor shall conduct a preliminary examination of the loan application and application materials submitted by the loan applicant, mainly examining the main qualifications of the loan applicant and the completeness and standardization of the materials submitted by the loan applicant. After the preliminary examination meets the requirements, the handling bank will submit the loan application form and application materials to the pre-loan investigator for pre-loan investigation.
The above contents are related answers. If you want to buy a car with a loan, the materials submitted include your ID card, proof of your financial ability, proof of your taxes and fees, and the car purchase contract for this car, all of which need to be obtained from the bank. If you have other legal questions, you can consult the relevant lawyers.
What information do I need to bring to buy a car with a loan?
Now I'll give you some information about "what information do I need to carry when I buy a car with a loan?" For the related contents of, please refer to the following related contents:
Loan to buy a car needs to bring information:
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 principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract, and the loan is settled;
5. If the customer's account is not in this city, a temporary residence permit will be issued by the police station; For customers who have no real estate, they need a person with real estate as a guarantee; When the customer is in mortgage to buy a house, he should issue a copy of the purchase contract and a repayment passbook; Customers who have real estate but are still processing the property right certificate need a certificate from the relevant real estate company.
What documents do I need to buy a car loan?
Car loan requires the following documents: First, the ID card and household registration book of the car buyer are required; To buy a car by installment, you need to fill out a loan application form; Require the buyer to have a real estate license for fixed housing; Income certificate issued by the company (unit) where the car buyer works; Guarantor's ID card and household registration book.
To apply for a loan at CCB outlets, the required materials are:
① Individual: loan application; Valid identity documents; Proof of occupation and income and basic information of family; Car purchase contract or agreement; Certificates or documents required for the guarantee; Other conditions stipulated by the lender.
Legal person: loan application; Business license of enterprise legal person or business license of enterprise legal person; The legal representative and his supporting documents; A loan certificate issued by the People's Bank of China; The financial report of the previous year and the balance sheet, income statement and cash flow statement of the previous month audited by the accounting (auditing) firm; List of mortgaged property and pledged property, and proof of consent to mortgage and pledge. The mortgaged property must also submit the certificate of ownership or use right, appraisal and insurance documents, and the pledged property must also provide the certificate of right and the certificate that the guarantor agrees to guarantee; Other conditions stipulated by the lender. The borrower shall take full responsibility for the authenticity and legality of the materials provided.
What information do you need for a loan to buy a car?
What materials do I need to apply for a car loan?
1. Property buyers need to provide valid identification documents, and temporary id card can do the same.
2. If you are married, you need to provide a marriage certificate and a copy of your spouse's ID card.
3. proof of residence. You need to provide proof of residence in your permanent residence, such as the electricity bill for the last 6 months. If you have a real estate in your permanent residence, you need to provide a real estate license.
4. Proof of work and income. Provide proof of income stamped by the work unit. If you are currently unemployed, it is generally difficult to apply for a loan.
Extended information:
1. The procedures required for loan to buy a car are as follows:
1. When the buyer chooses a car model in a 4s shop, he must first understand the relevant parameter configuration of the car model, so as to better check the vehicle configuration information when renewing the contract;
2. The dealer will review the information provided by the buyer, and judge the lender's car purchase qualification (especially the manufacturer's financial institution) through the buyer's work, income, real estate and other factors when buying a car. If yes, the dealer will provide you with a letter of intent to buy a car and let you go to the bank for a loan. Pay attention to too many overdue records of personal credit information;
3. Go to the bank to apply for a loan with the letter of intent to buy a car and relevant information, and wait for the bank to approve the relevant information of the buyer. It usually takes about a week. If the buyer's loan institution is the financial institution of the car factory, the audit time will take about one day.
4. After the approval, the dealer will sign a car purchase contract with the buyer and notify the customer to pay the down payment for the vehicle. Generally speaking, the bank will not let your down payment exceed 50% of the car price, but the minimum down payment is 20%. At the same time, the dealer and the buyer will handle a bank account or credit card;
5. The dealer's chamber of commerce will handle the mortgage and insurance formalities with the buyer. After handling, the customer can pick up the car smoothly.
Secondly, there are the following points to note:
1. When signing a car purchase contract, you need to carefully check the relevant information on the contract, especially the vehicle configuration column. Secondly, it is necessary to confirm the total price of the vehicle and the number of repayments per period.
2. If the bank can't get the loan, you can try to go to the factory finance or finance company. However, when looking for a financial company, beware of being cheated. It's safer to shop around.
3. When choosing the vehicle model, do what you can. The main consideration is whether the monthly repayment will cause great pressure on yourself.
4. In the first year of insurance, try to insure the vehicle completely.
5. It should also be noted that if the debt exceeds 50% of the assessed value of the vehicle, the bank may not approve it.