What are the procedures for an auto financing company to borrow money to buy a car?
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.
Application conditions
1, over 18 years old and under 60 years old;
2. Residents with permanent residence in the local area have fixed residences in the local area;
3, have the ability to repay the loan principal and interest, stable income, monthly payment does not exceed 60% of the total disposable family;
4. A "one card" account has been opened;
5. The guarantee must naturally be provided by a third party, but the husband and wife cannot guarantee each other;
6. During the loan period, the insurance company recognized by the bank must insure the motor vehicle consumption loan guarantee insurance at one time and continuously insure the motor vehicle insurance;
7. Other conditions stipulated by the Cooperation Organization.
There are several links in the process of buying a car with a 4S shop loan:
1. Select 4S stores for car purchase consultation and application;
2. The automobile dealer shall conduct preliminary qualification examination on the applicant's loan to buy a car and sign opinions;
3. The automobile dealer shall examine the qualifications of the applicant and conduct the preliminary examination by the bank;
4. After the approval, the dealer signs a car purchase contract with the applicant, notifies the customer to pay the down payment for the car purchase, handles the bank account and bank credit card for the customer, and the customer fills in the vehicle acceptance receipt;
5, mortgage, notarization, insurance and other related procedures;
6. Bank loans.
Note: Because each 4s shop has different requirements for loan to buy a car, the specific situation should be subject to the regulations of the 4S shop you choose!
4S shop loan car purchase process
There are two main ways to buy a car with a 4s shop loan. One is
finance company
Process, the other is
General guarantee company
Loan process for buying a car:
The advantages of finance company's car loan process are high interest, simple procedures and fast loan. The specific process is as follows:
1. Fill in the loan application form at the 4s store first, and then the finance company will pay a return visit (whether the information filled in is true or not);
2. If the return visit is successful, confirm whether there is an application for approval (that is, your work unit, salary, etc.). Have the ability to repay) and wait for the approval result;
3. After the approval, prepare materials (ID card, household registration book, marriage certificate or single certificate, bank running water or income certificate, house property certificate or residence certificate, repayment bank card in your name (some 4S stores have restrictions on repayment banks, so you need to consult the sales staff first));
4. Confirm the purchase of the vehicle, pay the down payment and hand in the prepared loan materials;
5. Confirmation information of the financial company. Generally speaking, as long as you communicate well with the sales consultant in the early stage, you can basically get the loan. Wait for the notice of the sales staff of the 4S shop, and prepare to pick up the car when the financial company informs the 4S shop that the funds are in a state of waiting to be released;
6. After receiving the notice, go to the 4S shop to communicate with the sales consultant, then pay the purchase tax, buy insurance, pick up the car, and get your repayment details by the way.
The loan business scope of general guarantee companies is complex, but the loan interest is low. Some need to find a guarantor, and some don't. They can wait for the bus or take a bus. Many procedures, long time. The specific process is as follows:
1. Different from the first one, the guarantee company needs to conduct on-site inspection;
2. You buy a car in the garage in full, but you only need to pay back the money you borrowed from the loan company every month. The first one is that you call a financial company through a bank card.
3, 4S shop sales staff commission is less, the service attitude is not necessarily the first kind of good, they have to work more, but not necessarily make more money;
4. The others are similar.
Driving in a 4S store requires some procedures, mainly including:
1, loan fee (charged by 4S stores,1000-3,000 yuan);
2. After approval, the loan service fee (vehicle mortgage or mortgage cancellation fee. Charged by 4S stores or loan providers (100-500).
Pay attention to three points in 4S shop loan to buy a car
Many times, in order to save time, consumers want to give the information directly to the 4S shop, but there will be many problems in this process, such as the increase of charging items and the increase of car purchase cost, which need to be considered. Therefore, when applying for a 4S shop loan to buy a car, we should pay attention to the following three points:
First, in the process of assisting the mortgage of automobile consumption loans, fees without legal basis are charged, such as financial investigation fees, mortgage investigation fees, credit card handling fees, etc.
Second, in the vehicle sales contract, it is unilaterally agreed that "the contract will take effect from the date of signing, and the deposit will not be refunded" and "if Party A entrusts Party B to handle the driving on the license, Party B will only be responsible for vehicle maintenance and will not make any other compensation", which will exempt itself from responsibility, increase the responsibility of the car buyer and exclude the rights of the car buyer;
Third, some automobile 4S shops engage in automobile maintenance business activities without a license without obtaining the corresponding automobile maintenance business license according to law.