About car loans.
Loan consumption is becoming more and more common. What are the procedures for a novice to apply for a loan to buy a car? First of all, you need to know the basic conditions for handling personal car loans:
/kloc-citizens over 0/8 years old with full capacity for civil conduct.
Have legal identity documents, local permanent residence or valid residence certificates.
This is the basic condition for handling car loans. Let's take a look at what procedures are needed to buy a car with a loan.
Secondly, the process of loan to buy a car:
1: The borrower submits the loan application materials to the bank.
2. The bank conducts a preliminary examination of the application materials submitted by the borrower.
3. The bank conducts credit investigation and customer evaluation on the borrower.
3. The bank examines and approves the loan application that meets the loan conditions through preliminary examination and credit investigation.
4. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall be explained to the borrower.
5. After the loan contract comes into effect, the handling bank will issue loans. 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.
Finally, I need to know the information I need to buy a car with a loan.
1: personal loan application
2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, proof of spouse's identity shall be provided.
3. Household registration certificate or long-term residence certificate
4. Personal income certificate, family income or property certificate when necessary.
5. Certificate of intention to buy a car issued by the car dealer.
6. Loan to buy a car down payment certificate
7: If the purchased vehicle is secured by other means than mortgage, the relevant materials of the guarantee shall be provided, including the pledge certificate, the ownership certificate and evaluation certificate of the mortgaged real estate, and the letter of intent for third-party guarantee, etc.
8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the affiliation agreement and lease agreement for the vehicle to be affiliated with the transport fleet.
9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by CCB; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.
The more common the loan consumption pattern is, the more cautious the novice should be when handling the loan to buy a car, and look at the formalities carefully. In order to avoid unnecessary troubles caused by the latter after the loan.