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.
How to apply for a car loan?
Three different channel loan processes
I. Bank auto loans
1. Go to the bank credit department to fill out the application form for bank auto loan and provide relevant materials to prove it.
2. Bank pre-lending investigation and qualification examination.
3. The bank informs the lender to sign the loan contract, mortgage contract and guarantee contract, and handle the mortgage registration and insurance and other related procedures.
4. Issue loans.
5. The lender pays the down payment to the car dealer, and goes through the formalities of picking up the car with the bank documents.
Second, credit card installment car purchase
1. Get a bank credit card and go to the bank to increase the loan amount.
2. Go to the cooperative distribution office designated by the bank and choose your favorite model.
3. Fill in the credit card installment shopping application form.
4. Pay down payment, car purchase tax and insurance.
5. Vehicle registration and vehicle mortgage procedures.
6. Pick up the car and repay it according to the contract.
Three. Auto finance company loan
1. Fill in the loan application form of auto financing company and provide relevant materials.
2. Qualification examination and approval of auto financing companies and home visits.
3. Sign car purchase contracts and car loan contracts, and pay down payment and vehicle purchase tax.
4. Go through the relevant procedures for new car registration.
5. Pick up the car and repay it on schedule.
Postal savings bank car loan processing process is very simple, the first step is very important!
In the era of rapid economic development in China, many people have the ability to buy private cars. However, when buying a car, many people are not willing to pay the car price in one lump sum, but will choose a loan. Someone is consulting the car loan processing process of the Postal Savings Bank. Today I will introduce the specific content for you.
Postal savings bank car loan has the characteristics of fast payment and transparent service, and the loan review results can be obtained in two days at the earliest. There are only six steps to apply for a loan.
1. Submit a loan application
Generally speaking, the car loan of the Postal Savings Bank requires everyone to go to the business outlets of the Postal Savings Bank and cannot be handled by others. When you apply for a car loan, you need to fill out a car loan application form completely.
2. Bank investigation and approval
After receiving the loan application provided by everyone, the bank will conduct a loan investigation according to the borrower's information and data in the system to judge whether the borrower meets the loan conditions and determine the loan amount.
3. Sign a loan contract
After the loan is approved, everyone can go to the Postal Savings Bank outlet to sign a loan contract.
4. Implement the loan conditions
After the loan contract is formally signed, the Postal Savings Bank will also review the car loan before issuing it. Generally speaking, as long as everyone's personal credit does not suddenly deteriorate, there is no problem.
5. Banks issue loans.
The bank will directly transfer the car purchase money to the car dealer's account, and everyone can pick up the car directly after receiving the next notice.
6. The borrower repays the loan on schedule.
In the days to come, all you have to do is repay the money according to the contract. The automobile loan of Postal Savings Bank adopts the form of automatic deduction.
How to apply for a car loan form
Hello, there are many platforms available now, and the amount is basically between 5 million and 300,000. You can apply through banks and online loans. Compared with other loans, although the amount is low, it is very popular because of its fast lending and flexible borrowing. As long as you choose a regular big platform, and the security of funds and information is guaranteed, you can use it with confidence.
It is recommended to use rich flowers, which is a credit brand of Xiaoman Finance. Provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click on the official calculation). Consumer loans with money to spend, with a daily interest rate as low as 0.02%, have the characteristics of simple application, low interest rate, quick lending, flexible loan repayment, transparent interest rate and strong security.
I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.
Information requirements: You need to provide your second-generation ID card and your debit card during the application process.
Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.
What are the application materials for car loan? Be sure to get ready!
At present, there are many channels to borrow money to buy a car, such as banks, credit cards, auto finance and loan companies. As long as you provide the application materials, you can get a loan after examination. So what do you need to prepare for the application materials? Let's briefly introduce it today.
1. What are the application materials for car loan?
1. Application Form: It is very important to fill out the application form for automobile consumption loan. Generally speaking, important information in the form, such as age and repayment ability, will be an important condition for your successful loan application.
2. Personal data: household registration book, guarantor's ID card, housing certificate and personal income certificate. All documents must be original and photocopy, and generally two copies need to be prepared.
3. Proof of repayment: To buy a car by stages, you must have a stable source of income and need to provide your own running bill for three to six months. Note: In general, the monthly contribution will not exceed 60% of the total disposable income of the family.
4. The third-party natural person shall provide guarantee for repayment of loan principal and interest. Note: Husband and wife cannot guarantee each other.
5. Other conditions stipulated by the bank.
Second, the car loan application process
Bank loan:
1, prequalification, customers need to go to the bank first to see if they meet the qualification conditions;
2. For the qualification of bank approval, you need to submit personal information, bank account, etc. ;
3. Sign a car purchase contract, pass the preliminary examination, pay a deposit, and sign a contract;
4. Submit a loan application, and submit a car purchase application in stages according to the car purchase contract, indicators and bank flow;
5. The next payment will be received, usually within one week. Remarks: The bank audit time is relatively long.
Finance company loan:
1. Apply for a loan, understand the loan scheme and go through the loan application procedures;
2. Submission of materials. Different loan schemes need to submit different materials;
3. After passing the examination and approval, the finance company will conduct the examination and approval.
4. Sign the contract, pass the examination, sign the auto financing contract and pay;
The introduction of the car loan application form ends here.