4s shop loan car purchase process
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.
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The expected annualized interest rate of the loan is higher than that of the bank, and the specific floating interest rate should be determined according to the applicant's personal credit situation. Auto financing companies in different regions also have different interest standards. For specific data, please go to the 4s shop for consultation.
4s shop loan car purchase fee
Loans in 4S stores require certain procedures, mainly including:
1. When handling, the loan fee (charged by the 4S store, ranging from1000 to 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).