2. Sichuan Tengming is a car loan company in the name of loan, so the loan needs to be cautious. If you need a loan, please choose a reliable and big-name brand or bank loan.
3. Materials to be prepared for loan to buy a car:
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: Under normal circumstances, the monthly payment will not exceed 60% of the total disposable income of the family.
4) A third-party natural person provides a guarantee for repayment of the loan principal and interest. Note: Husband and wife cannot guarantee each other.
(5) Other conditions stipulated by the bank.
4. The process of buying a car by loan is generally divided into bank loans and financial company loans. The specific process is as follows:
1) Bank loan: 1. Pre-qualification, 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 grant amount is generally within one week. Remarks: The bank's audit time is relatively long.
2) 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 the approval, it will be approved by the finance company (Shanxi Tiansheng can make the payment in ten minutes after approval, please consult for details) 4. Sign the contract, pass the examination, sign the auto financing contract and pay;
Precautions for buying a car with a loan: If the user fails to mortgage for 3-6 months, the car will be seized and the car will be bought with a mortgage. What most people care about before buying a car: application conditions, interest rate, years, handling fees, etc. In fact, there are many disputes after buying a car. There are two most common disputes: 1, if the repayment is not made on time in a certain month, the liquidated damages will be paid even if it is made up in time afterwards; 2. If the repayment is not made in the 3rd-6th installment, the guarantee company will directly detain the vehicle. If the owner wants to get the vehicle back, he can only pay off the loan, liquidated damages and various expenses incurred by the guarantee company in the process of detaining the vehicle.