The procedures for handling personal automobile consumption loans are as follows:
1, customers go to the bank outlets for consultation, and the outlets recommend special dealers who sign cooperation agreements on automobile consumption loans for users;
2. Go to the dealer to choose the car to buy and sign a car purchase contract or agreement with the dealer;
3. To apply for a loan at a bank outlet, the materials required are:
① Individual: loan application; Valid identity documents; Occupation and income certificate and basic family information (single divorced people can go to the local civil affairs bureau to open a single certificate); Car purchase contract or agreement; Certificates or documents required for the guarantee; Other conditions stipulated by the lender.
Legal person: loan application; Business license of enterprise legal person or business license of enterprise legal person; The legal representative and his supporting documents; A loan certificate issued by the People's Bank of China; The financial report of the previous year and the balance sheet, income statement and cash flow statement of the previous month audited by the accounting (auditing) firm; List of mortgaged property and pledged property, and proof of consent to mortgage and pledge. The mortgaged property must also submit the certificate of ownership or use right, appraisal and insurance documents, and the pledged property must also provide the certificate of right and the certificate that the guarantor agrees to guarantee; Other conditions stipulated by the lender.
4. The borrower shall take full responsibility for the authenticity and legality of the materials provided.
5. After accepting the loan application, the bank has the right to investigate the credit status of the borrower and guarantor. If the loan conditions are not met, the bank will notify the borrower within 15 working days after accepting the loan application; For those who meet the loan conditions, the bank will put forward specific opinions such as loan amount, term and interest rate, promptly notify the borrower to go through the loan guarantee procedures, and sign the Automobile Consumption Loan Contract.
6. The borrower shall arrange collateral insurance in advance in the insurance company designated by the bank, and indicate in the insurance policy that the first beneficiary is China Construction Bank, and the insurance period shall not be shorter than the loan period.
7. The bank issues a notice of automobile consumption loan to the dealer, and the borrower also pays the dealer the down payment for car purchase. 8. After receiving the notice of automobile consumption loan and the receipt voucher, the dealer shall assist the borrower to go through the formalities of payment and license obtaining in the relevant departments, and directly hand over the purchase invoice, the original payment voucher and the copy of the driving license to CCB.
9. If the borrower takes the purchased car as collateral, its insurance policy, car purchase invoice and other documents shall be kept by CCB during the loan period. During the contract period, the bank has the right to supervise the borrower's income and collateral, and supervise the guarantor's reputation and compensatory ability, and the borrower and guarantor should provide assistance.
What are the procedures for buying a car with a loan after marriage?
Step 1: the lender submits the application materials for loan to buy a car to the bank;
Step 2: the bank conducts a preliminary examination of the materials submitted by the lender;
Step 3: the bank conducts credit investigation and customer evaluation on the lender;
Step 4: The bank examines and approves the loan application that meets the loan conditions through preliminary examination and credit investigation;
Step 5: After approval, notify the borrower to go through relevant procedures such as contract signing, loan issuance, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower;
Step 6: After the loan contract comes into effect, the handling bank issues the loan. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.
What are the procedures for the woman to buy a house with a loan after divorce?
The basic process of mortgage loan is as follows:
On-site inspection:
Loan officers, intermediaries, appraisers, buyers and sellers go to the housing site to apply for mortgage loans to conduct on-site investigation of the housing;
Property right verification;
The property owner and the * * * owner (seller) bring the original ID card and the original real estate license to the Housing Authority for verification and go through the relevant formalities;
Sign the contract:
The bank carefully checks and verifies the original information of customers, identifies the authenticity of all signatories, supervises the signature of customers, collects the original property certificate and deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to handle accounts in the bank;
Fill in the contract:
The bank arranges the information according to the relevant information provided by the customer and fills in the contract;
Payment obligation:
After the bank's fee is pre-approved, it will inform the customer to pay;
Transfer of property rights:
With the help of the Housing Authority, the buyer and the seller go through the formalities of property right transfer; The Lender prepares relevant materials to go through the mortgage formalities at the bank;
Bank loan.
What is the procedure for opening a single certificate after divorce?
1, how to apply for a single certificate?
I need to bring my ID card, the original household registration book or household registration certificate and two two-inch photos, and issue them directly at the local matchmaking agency.
2. Can I entrust a single certificate?
The client needs to write a power of attorney and notarize it at the notary office in the city where the client is located (the power of attorney needs to explain the marital status of the client, such as unmarried \ divorced), and the client comes to handle it with the original power of attorney, the client's ID card, the household registration book, two 2-inch photos, the client's ID card and the household registration book. (One ***6 things)
What are the procedures for foreign loans to buy a car?
(China Merchants Bank) car installment (car purchase) business only charges a handling fee, and cardholders can enjoy interest-free service when they repay in full and on time every month, and the handling fee is shared. Due to different brands and cooperation modes, the number of installments, handling fee rate and down payment ratio will be different. For details, please refer to the credit card website for more preferential activities. Click here: cmbchina。 /fincredib/common/calculator。 Aspx to calculate the monthly payment and interest rate of car installment.
Conditions for buying a car by mortgage:
1,18-a natural person aged 65;
2. Can provide a fixed and detailed address certificate;
3. Have a stable occupation and income, and have the ability to repay the principal and interest;
4. Personal social credit is good and there is no bad credit record;
5. Holding a car purchase contract or agreement approved by the bank;
6. Other conditions stipulated by the bank.
What is the procedure for Huzhou loan to buy a car?
Identity card (non-temporary residence permit required by the city), household registration book, marriage certificate, real estate certificate and income certificate. It is best to provide proof of income such as bank running water.
What are the procedures for Pujiang loan to buy a car?
Loan to buy a car
The following conditions and procedures need to be provided:
1, proof of salary income in recent 3 months.
2. Find a friend with a real estate to guarantee you (no need to mortgage anything).
3. Go to the place of residence and issue a residence certificate.
Choose the car you want to buy, and then borrow money from the dealer. There are generally two ways for dealer loans: bank loans and finance company loans. The interest rate of bank loans is low, but the approval is troublesome and difficult to pass; Finance companies have high loan interest rates, but the approval process is simple and the loan conditions are loose.
then
Provide the lender's ID card, household registration book, salary certificate, bank card starting with 6222, guarantor's ID card, real estate license and income certificate.
The dealer is responsible for applying for your loan, and the lender will review your conditions. Then, the dealer will be informed of your approval result.
After the dealer informs you to sign the loan contract, you can pick up the car bill.
Additional: 39 1 yuan, purchase tax (65,438+10,000 vehicles) 6,450 yuan, travel tax 420 yuan *( 12- the current month), and all risks are about 5,000 yuan.
After the vehicle is completed, the dealer will handle the mortgage formalities for your car with the grade certificate (Great Green Paper).
At this point, the vehicle loan procedures have been completed. After the bank/finance company notifies the lender, you can repay the loan monthly.
Attach your loan conditions: down payment = 30%; The longest loan period is 36 months. As for the financial service fee, it depends on the local or dealer policies. (
This information was also consulted by my friend in Yin Ji Online, an online loan company. It seems to be working with the bank. Everything is synchronized with the bank, regardless of interest, repayment method and term. It is also an online financial platform recognized by the China Banking Regulatory Commission. There are many products on loan, and the service industry is good. At the same time, as long as your information meets the requirements of the bank, you can put the styles within 7 working days. They will not charge any extra fees in any name before the bank formally lends money to users (this is the biggest difference from ordinary private lending institutions). Personally, I feel good. At the same time, their business faces the whole country, which is quite formal. I suggest you try something that may have the loan information you want, hoping it will help you.
What are the procedures for teachers to borrow money to buy a car?
Id card, work permit, salary flow, credit report, residence certificate