1. Choose a car at a special bank dealer and sign a car purchase agreement or contract; .

2. Sign the contract with the consent of the investigation; .

3. Lenders (banks) handle loans.

4. Go through the formalities of notarization and mortgage of automobiles; 、

Second, the conditions to be met:

1, the person who college students can borrow money to buy a car must be a natural person with full capacity for civil conduct, and also need to have a local permanent residence and valid residence status and a fixed residence address.

2. They must also have a stable occupation and the ability to repay the principal and interest of the loan on time, and have a good personal social reputation, and can provide collateral recognized by the lender, or an individual or unit with sufficient compensation ability can provide an irrevocable joint liability guarantee for a third party.

3. In addition, it is necessary to be able to pay the down payment for car purchase limited by the bank and meet other conditions stipulated by the lender.

Extended data:

Application conditions

To apply for a car loan, you must buy a limited range of cars at a special dealer recognized by the bank and apply for a car loan.

Loan buyers must also meet the following conditions:

(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.

(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.

(3) During the loan application period, the car buyer shall deposit no less than the down payment stipulated by the bank in the account of the bank savings counter.

(4) Providing 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.

If the applicant is an enterprise or institution with legal personality, it shall meet the following conditions:

(1) has the ability to repay bank loans;

(2) During the loan application period, there is no less than the down payment for car purchase stipulated by the bank and deposited in the accounting department of the bank;

(3) Providing recognized guarantees to banks;

(4) Willing to accept other necessary conditions proposed by the bank.

The special dealer referred to in the loan refers to the automobile dealer who is selected by the branches at all levels of the bank according to the financial strength, market share, credibility and other factors of the dealer, and then reported to the head office, and signed an automobile consumption loan cooperation agreement with each branch after confirmation by the head office.

information needed

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, the identity certificate of the spouse 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 other 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.

Baidu encyclopedia-loan to buy a car