The general process of buying a car with a loan!
1, choose the mode of buying a car by loan.
Mode 1: the customer directly applies for a loan to buy a car at a bank outlet. After the guarantee procedures are implemented, customers can choose dealers to buy cars they are satisfied with.
Mode 2: buy a car in a 4S shop that cooperates with the bank, sign a car purchase contract or agreement with the dealer, and then apply for a loan from the bank through the 4S shop.
Mode 3: apply for unsecured personal credit loan, and the bank directly lends full amount to the 4S shop to buy a car. Choosing a loan to buy a car carefully is the most important step in the process of buying a car with a loan.
Mode 4: The customer applies for a loan to buy a car through the financial outsourcing website, the financial institution handles the intermediate process, and the bank approves the loan, which is a direct car loan.
The general process of buying a car with a loan!
2. Banks issue loans.
No matter which mode of bank loan is used to buy a car, the ultimate lender is the bank. In the second mode, money is directly transferred from the bank to the car dealer's account.
Step 3 pick up the car
The borrower pays the car dealer the down payment or the full amount. There are two situations here: Mode 1 and Mode 2. When customers pay the down payment, they need to go through the formalities of picking up the car with the passbook and the car pick-up slip issued by the bank, and give the car a license. After completing the license, hand over the vehicle production certificate, invoice, insurance policy, driving license, ID card and household registration book to the bank. After the mortgage, the bank will return the driving license and ID card account book. If you use the model 3 loan to buy a car, the customer only needs to withdraw the loan issued by the bank and go directly to the 4S shop to pick up the car. The driving license and ID card account book after the card is licensed do not need to be mortgaged to the bank.
In addition, when choosing a loan bank, different banks will have different interest rate concessions, loan quotas and repayment periods, and loan applicants can learn directly from the loan pages of major banks they cooperate with.
How to get a loan from the bank for a full car
The full car can be borrowed from the bank. The materials required to apply for a car loan from the bank include personal loan application, valid identity certificates of myself and my spouse, income certificates of myself and my spouse, marriage certificate and household registration book, ID card and its copy, car purchase agreement, contract or letter of intent signed with the dealer, proof of deposit or down payment, documents or materials required for guarantee, and other documents and materials required by the cooperative organization.
Loan terms:
1. Car buyers must be at least 18 years old and be China citizens with full civil capacity.
2. Car buyers must have a relatively stable job, a relatively stable economic income or assets that are easy to realize, in order to repay the loan principal and interest on schedule.
3. During the loan application period, the car buyer will deposit the down payment for car purchase lower than that stipulated by the bank into the account of the bank savings counter.
4. Provide banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.
5. Car buyers are willing to accept other conditions deemed necessary by the bank.
Handling process of automobile loan:
1. customer application: the customer applies to the bank, fills in the application form in writing and submits relevant materials at the same time.
2. Signing a contract: After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate.
3. Lending: The loan granted with the approval of the bank will be directly transferred to the account of the automobile dealer by the bank according to the contract after all the formalities are completed.
4. Repayment on schedule: The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract.
5. loan settlement.
How to get a loan from the bank to buy a car? What are the procedures?
The process of handling car loan in the bank is:
1, prepare materials. The borrower needs to prepare his own ID card, work certificate, income certificate, residence certificate, loan use certificate and other materials;
2. apply. Bring materials to the bank to fill in the loan application form and submit materials;
3. Bank approval. The bank will investigate and approve the materials;
4. handle the guarantee. The borrower needs to go through mortgage guarantee and other procedures;
5. Sign a loan contract. If the borrower is approved, it can sign a contract with the bank;
6. loans. After signing the contract, the bank is ready to lend money.
Pay attention to buying a car and bank loans.
After the loan is completed, the bank will transfer the loan amount to the personal bank card. At this point, you need to pick up the car at the 4S shop and then pay the remaining 30% down payment. At this time, all expenses have been paid, and various taxes and fees need to be paid (of course, the 4S shop will assist individuals to complete all procedures).
After all formalities are completed, the vehicle registration certificate must be mortgaged in the bank, and individuals should take good tax payment certificates, invoices, vehicle driving licenses and other valid documents. After the vehicle loan is paid off, the 4S shop or the bank will notify the individual to go to the vehicle management office to go through the formalities of putting the car. At this time, the vehicle registration certificate will be considered as "own" car.
What are the procedures for buying a car in full?
Question 1: What are the procedures for buying a car? Novice car purchase process 12 steps
For many friends who buy a car for the first time, they don't know much about the procedures needed to buy a car. The following are the procedures for buying a car, hoping to help.
The first step is to choose a car.
Choose the right car and a good sales company according to your own needs.
The second step is to pay for the car.
A. Full car purchase: voucher: ID card is required for car purchase payment. Car dealers provide: Automobile Sales Invoice, Vehicle Warranty Manual and Vehicle Instruction Manual.
B, deposit car purchase: pay the deposit-sign the house purchase contract-pay the full amount. Note: if the car is returned after the deposit is paid, the car dealer will not refund the deposit; If the car dealer is unwilling to pick up the car or can't pick up the car according to the time stipulated in the car purchase contract, he can ask the car dealer to return the deposit or make compensation according to the contract (please pay attention to the car purchase contract for details). After completing the deposit procedure, you need to pay all the car money before picking up the car.
C. Mortgage car purchase: down payment-signing contract-bank approval-bank loan-license application-documents required for loan repayment procedures: ID card, household registration book, housing certificate, income certificate and two one-inch photos. (Married: spouse ID card, marriage certificate).
The third step is the industrial and commercial verification of invoices.
Invoice industrial and commercial verification: the automobile purchase invoice is stamped with the industrial and commercial verification seal at the motor vehicle market management office of each district industrial and commercial bureau or the agency of the automobile trading market. Need to provide: car purchase invoice, car factory certificate (certificate), unit code certificate or personal ID card (imported vehicles must provide customs certificate and commodity inspection certificate).
The fourth step is to apply for insurance.
Apply for insurance: you must apply for insurance before obtaining the license. The automobile trading market is represented by insurance companies. When you buy a car, you can complete the insurance formalities together, which will save you trouble in the future. New cars must be handled: compulsory insurance.
Reminder: When buying a car in a 4S shop, there will generally be an insurance company that has a cooperative relationship with the car dealership to send an agent for new car insurance. It is recommended to go to the garage to buy insurance. Because there is usually such a cooperative relationship, the car dealership can provide more comprehensive after-sales service. If you are in danger, you can entrust the car dealership to settle claims.
The fifth step is to pay the vehicle purchase surcharge.
Payment of vehicle purchase surcharge: it is handled in the vehicle purchase surcharge collection management office of the Municipal Transportation Bureau, and the general automobile trading market has its office. Domestic cars are 10% of the car price, and imported cars are 10% of the duty-paid price. Personal vehicles can be paid in cash, and unit vehicles can be paid by bank check. Calculation formula of purchase surcharge: charge amount = purchase price/1. 17× 10%.
Reminder: buying a car in a 4S shop is usually handled by a car dealership. You just need to give the money to the car dealership.
Step 6 Vehicle and Vessel Use Tax
Vehicle and vessel use tax: after filing at the surcharge collection office, pay the vehicle and vessel use tax at the local taxation bureau and get the "tax" card.
Reminder: buying a car in a 4S shop is usually handled by a car dealer.
Step 7: Apply for a temporary license
Apply for a temporary license plate: Before obtaining a formal license plate, only vehicles with mobile license plates can drive on the road, and all new cars must go to the inspection site to check the vehicles and apply for a temporary license plate before being allowed to drive on the road. A temporary license plate is attached to the front windshield of the new car.
Venue: It shall be handled at the traffic brigade of each district or county or its institution located in the automobile trading market. Provide: owner's certificate or personal identification certificate, vehicle origin certificate. Process: application → business leadership post approval → motor vehicle inspection post inspection → charging → license management post issuing temporary license plate and mobile license plate.
Step 8: Check the car.
Car inspection: A new car can only be licensed after passing the on-site inspection. The vehicle inspection field is designated by the vehicle management office. After passing the inspection, the motor vehicle registration form signed by the resident police will be issued. Inspection items include appearance inspection and automobile exhaust inspection.
It is carried out in the motor vehicle inspection factory designated by the traffic brigade of each district and county. Need to bring: owner's personal ID card, car purchase invoice stamped with industrial and commercial verification stamp, vehicle certificate, ID card, etc. (Imported cars also need to show the commodity inspection certificate, import bill and quasi-inspection bill issued by the vehicle management office)
Note: When you go to the designated automobile inspection field for inspection, you should add oil and water to the new car, do a good job of inspection before driving to ensure the normal driving of the new car, and at the same time pay attention to the running-in state of the first driving, and don't drive at high speed.
Step 9: Get a license
License plate: get a license plate from the vehicle management office of each district and county within 5 working days after vehicle inspection. At the same time, get the driving license agent certificate. Take photos and get a driver's license. Get the license plate, temporary driving license and "inspection" card.
Private car license must be delivered by the owner in person, and no one else can get it. Provide: original and copy of car purchase invoice, bus supplier code. ......
Question 2: What are the procedures for buying a car? Please tell me the process. Just need your own ID card.
First of all, you have to find an insurance company you trust to buy insurance.
2. Pay the vehicle purchase tax at the vehicle purchase office (copy of vehicle certificate, original invoice tax return, copy of ID card and vehicle tax return are required). After paying the vehicle purchase tax, obtain the tax payment certificate.
Three, to dmv (need the original vehicle certificate, invoice registration certificate, car purchase tax payment certificate, insurance card and ID card copy see the original).
License plates are issued after the vehicle management office has passed the acceptance, and these procedures can generally be completed in half a day.
After getting the driving license, don't forget to go to the vehicle management office to get the positive tax payment certificate. This certificate should be carried with the car.
Question 3: What kind of car do you need to buy in full? There are two situations when I buy in full: one is with indicators and the other is without indicators. If there are indicators, you only need to bring your ID card (if you are local, you need to bring your temporary residence permit). If there is no indicator, we can only see who still has a car stall, and then bring an ID card (if you are a local, you need to bring a temporary residence permit) and go to the store to buy a car. If it's the full amount, you don't need any documents, just bring your ID card. If you are in Beijing or Shanghai, you should also bring your household registration book or temporary residence permit and tax payment certificate.
Question 4: What procedures and documents do you need to buy a car in full? I want nothing. Id card. You'd better take your household registration book with you. It might be useful. Nothing else is needed,
Question 5: What are the vehicle factory certificate, vehicle certificate, maintenance manual and user manual obtained by the owner after handling all the procedures for buying a car in the 4s shop?
After the vehicle is registered, there are driving license, vehicle registration certificate and insurance policy!
Question 6: What are the costs of buying a car in full? Do you need to pay naked car price, purchase tax, travel tax, compulsory insurance, licensing fee and commercial insurance fee?
To buy a car in full, you only need to provide your ID card to realize cash or credit card. Although there is no limit to credit card swiping, there is a handling fee for swiping two cards. At present, the standard is that two cards charge 50 yuan handling fee, three cards charge 100 yuan handling fee, and so on (the specific charging standards are different, subject to the actual situation).
Buying a car with a deposit, paying a deposit and returning the car, the car dealer does not refund the deposit; If the car dealer can't deliver the car according to the time stipulated in the car purchase contract, the consumer can ask the car dealer to double the deposit. After completing the deposit procedure, you need to pay all the car money before picking up the car.
Question 7: What certificate, ID card, driver's license, etc. Do you need to take the full amount to the 4S store to buy a car?
Select the model-pay the money-read the delivery documents-go through the relevant formalities.
Question 8: 20 15 what documents do people need to pay the full price for a car? Just use your ID card.
Question 9: What are the procedures for buying a car? What is the charge? I can't tell you the price of the car, because you didn't say what brand and model you want to buy. The price varies greatly.
In terms of procedures, it consists of four types: car price, purchase tax, insurance and licensing. Generally speaking, mortgage loans can take a few percent of the car price, up to 70 percent depending on no one's qualifications! The current loan interest rate is 6.665438+May interest rate. Insurance needs to be done for three years and three months, and other purchase taxes and licensing fees remain unchanged. If you want a Shanghai license, foreigners can only go to Hangzhou. The materials to be provided for the loan include: real estate license, marriage certificate or unmarried certificate, personal income certificate, water and electricity bills for the last three months, and car purchase contract. If the loan is successful, the bank will inform you to notarize it at the expense of 300 yuan. You can add me as a friend if you have any questions!
Question 10: What are the procedures for buying a car with a full loan? Car loan processing flow: 1. Customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time; 2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate; 3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract; 4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract; 5. loan settlement.
The conditions for applying for car loan are as follows: 1. Car buyers must be at least 18 years old and China citizens with full capacity for civil conduct. 2. Car buyers must have a relatively stable job, a relatively stable economic income or assets that are easy to realize, in order to repay the loan principal and interest on schedule. 3. During the loan application period, the car buyer will deposit the down payment for car purchase lower than that stipulated by the bank into the account of the bank savings counter. 4. Provide banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan. 5. Car buyers are willing to accept other conditions deemed necessary by the bank.
This concludes the introduction of the process of buying a car with full bank loan and finding a bank loan to buy a car with full bank loan. I wonder if you have found the information you need?