1. Car buyers go to the bank's business outlets for consultation, and the outlets will recommend special dealers who have signed a cooperation agreement with the bank for second-hand car consumption loans;
2. Then go to the dealer to select the used car to be purchased, determine the model, quantity and color, and sign a car purchase agreement with the dealer;
3. Submit a loan application to the bank, provide the above application materials, and the bank will review and accept it, and notify the car buyers within five working days. For those who meet the requirements, sign a cooperation agreement on second-hand car consumption loans;
Finally, when the bank issues loans, the user can pick up the car after going through the insurance procedures (generally including vehicle loss insurance, third party liability insurance, burglary insurance, spontaneous combustion insurance, etc.). ). The special dealer shall hand over the customer's car purchase invoice, payment document and driving license (copy) to the bank within 0/5 days after receiving the loan notice;
5. The maximum loan amount for second-hand car consumption shall not exceed 60%-80% of the purchase price (different loan banks), and the longest loan period shall not exceed 3-5 years. However, some 4S stores or guarantee companies charge for various reasons. Because consumers themselves don't understand the business process and contract agreement of second-hand car loans, they can't find reasons for refusing, which leads to their "dumb loss".
Million car purchase subsidy