What do I need to prepare for a car loan?

Materials to be prepared for loan to buy a car: If the buyer is married, the original and photocopy of the marriage certificate are required. Proof of residence or real estate license, when buying a car, you need to provide proof of local residence, a list of utilities, and a rental contract. If you have real estate in the place where you buy a car, you need to provide the original and copy of the real estate license. A valid personal ID card can also be used as a temporary id card. However, breakage and expiration are not acceptable. Proof of work income, it is necessary to provide proof of work income stamped with the official seal of the work unit. This certificate is very important and has a great influence on approval or not.

4s documents that must be given when handling car loan: car purchase invoice, certificate of conformity, vehicle registration certificate, three-guarantee certificate, vehicle manual, new car delivery confirmation form, etc. For details, please consult the 4s shop.

The process of buying a car with a 4s shop loan is as follows: Choose a 4s shop that suits your mind. If you want to test drive, you'd better call the 4s shop in advance to make an appointment. Determine the configuration and price of the model with sales. It's best to let the sales staff list the prices of all parts; Provide the information to the 4s store, and the 4s store will help you review the loan qualification first. If you choose the financial institution of the car factory itself, it will be very convenient to go through the formalities without running around. However, bank loans are generally recommended. After all, there are still a few car factories with financial institutions. After the relevant information is approved, the dealer will give you a letter of intent to buy a car. This letter of intent for car purchase must be kept well, and it needs to be used as proof of car purchase for subsequent bank loan procedures. After that, the relevant information will be submitted to the bank for further review. The general review time takes about 7 working days, so wait patiently. After the approval, you can sign a car purchase contract with the dealer, and the car purchase contract is in duplicate. When signing a contract, you should pay attention to whether the information such as car body color, configuration and discount is correct, and the items given with the car should also be written in the contract, which is a place that many people easily miss when signing a contract; Finally, the 4s shop will help you complete the insurance, mortgage and other procedures, and then you can pick up the car happily.