Second, there is no service charge for buying a car with a loan. Because the loan to buy a car is only an additional service provided by the seller to facilitate the transaction, the loan itself will generate certain interest, so there is no need to pay additional service fees for the loan to buy a car. The bank. Generally speaking, car shops can directly act as guarantors to provide loan guarantees to banks for buyers without charging any service fees. But some private car shops are not qualified for guarantee. These car shops must find a third party as a guarantor, and the service fee is generated.
Third, the vehicle loan conditions:
1. The lender shall be at least eighteen years old and have full capacity for civil conduct.
2. Lenders need stable jobs and economic income.
3. During the loan application period, the car buyer shall deposit no less than the down payment stipulated by the bank in the account handled by the bank savings counter.
4. Guarantee that needs the approval of the lending institution. If the lender's account is not local, it shall provide joint and several liability guarantee.
5. The lender may accept other conditions stipulated by the lending institution.
Four. Automobile loan process:
1, identification materials.
2. Proof of the marital status of the borrower, such as marriage certificate, divorce certificate, single certificate, etc.
3. Local residence certificate.
4. Guarantee certification materials.
5. The car purchase agreement and deposit invoice shall be provided before the loan is issued.
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Loan purchase and recovery process:
1. Book a car first, then go through the loan procedures, determine the specific preferential policies, including car price concessions, gifts or other expenses, and then sign a car purchase contract. Because it is a loan to buy a car, so read the terms of the contract carefully, ask if you don't understand;
2. There are generally two kinds of materials for loan procedures. The first type of required materials include ID card, driver's license, marriage certificate, real estate license, income certificate, bank running water (6 months, stamped with the official seal of the bank); The second is to launch a quick loan plan for car companies or individual brands with a high down payment ratio. This method is relatively simple. Generally, only one ID card is needed. Note: if you apply for a car loan in a bank, you generally need the first method, and the second method is generally applicable to the finance companies of most car companies;
3. Wait for the approval of the materials. Regardless of the loan method, the qualifications of loan applicants are generally recognized. Approval is generally divided into online or offline. If it is online, the general practice is to call the applicant to ask about things related to car purchase and personal work, and then decide whether to pass. Those with very good qualifications (such as civil servants, employees of public institutions and individuals with good credit records) can pass the examination and approval directly. Offline approval is generally a home visit, but this is mainly for applicants with poor qualifications. In fact, the staff of financial companies will go to the applicant's home or workplace to conduct on-the-spot investigations to understand the specific situation;
4. Pay the down payment. After the loan is approved, we need to pay the down payment to the 4S shop first, then the 4S shop will issue a receipt for the down payment, and finally hand it over to the bank or finance company to wait for the loan;
5. After paying the down payment, the bank or finance company will make a loan or apply for a loan from the 4S shop, so that we can issue an insurance invoice and pick up the car normally.