Bank approval is generally divided into the following two types:
The first one is credit loan, but it is not exactly the same as the fastest reply. After the bank approves, the buyer pays the down payment, and the bank will help the buyer pay off the remaining money to the 4s shop, so the buyer can pick up the car. The period of this loan is 4-5 working days.
The second is mortgage loan. After the buyer pays the down payment, the 4s shop issues an invoice. After the buyer takes the invoice, insurance policy, certificate of approval, ID card and other information on the card, he gives the information to the 4s shop, and the bank lends the money to the 4s shop after completing the mortgage procedure. The term of such loans varies from 5- 12 working days.
The term of each bank is different. Please consult the car loan bank for details.
Second, how long does it take to mortgage the car?
Automobile mortgage is very convenient to handle. Generally, you can apply on the same day, apply on the same day, and lend on the same day. For car mortgage, you can consult Anmeitu Automobile and get a loan for the materials he needs. This company can have a car or not. The procedure is simple, and the loan on the same day is trustworthy. Need money badly? Find a safe way! You can get a loan if you have a car! Handling process of automobile mortgage: 1, and the lending institution will evaluate the vehicle free of charge; 2. The lending institution will grant the loan amount according to the value of the vehicle and the actual situation of the customer; 3. Lenders choose loan products according to their own needs (loan cycle, parking, etc.). ); 4. Both parties sign a formal contract and go through the corresponding formalities; 5. Loans from lending institutions. Want to know more about car mortgage, I recommend consulting Amway car loan. Anmeitu Group was established in 2005. Backed by the strong financial strength of Anmeitu Group, the loan interest rate is relatively advantageous in the industry, and the fees are open and transparent. There are direct stores in Shanghai, Chengdu, Xi, Wuhan, Shenzhen, Chongqing, Beijing, Kunming, Guangzhou and Shihezi, Xinjiang. The service is very professional and has a good brand awareness in the automobile mortgage industry. Customers have many product choices, flexible operation and standardized process, and have a good reputation among old customers.
Third, do you need an evaluation fee to buy a car with a loan?
An appraisal fee is required for a loan to buy a car or a house. The appraisal fee for buying a car is 2% of the car price, and the mortgage fee is 100 yuan, which is collected by the vehicle management office, and the ownership of the car is mortgaged to the bank.
The guarantee fee is 65438+ loan amount multiplied by 0% of the loan term. For example, the loan is 6,543,800 yuan, and the three-year guarantee fee is 3,000 yuan.
4. How long does it take to evaluate the vehicle loan?
You can also get a loan to buy a used car. The valuation of this car is between 800,000 and 800,000. There are requirements for buying a used car loan. The longest loan period for a used car is three years, and the car is not more than seven years. Moreover, the borrower must pay more than 50% down payment. Material formalities: ID card, household registration book, housing certificate, income certificate (monthly income must be twice the monthly repayment amount), two one-inch recent photos, marriage certificate and spouse certificate if the car buyer is married. You can go directly to the bank.