1. Customer application. The customer applies to the bank, fills in the application form in writing, and submits relevant information;
2. Sign the contract. After the bank has reviewed and approved the application materials submitted by the borrower, the two parties will sign a loan contract and a guarantee contract, and handle relevant notarization and mortgage registration procedures as appropriate;
3. Grant the loan. After the loan is approved by the bank and all procedures are completed, the bank will transfer it directly to the car dealer's account according to the contract;
4. Repay the loan on schedule. The borrower repays the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract;
5. The loan is settled. Loan settlement includes normal settlement and early settlement.
After the loan is settled, the borrower should present his valid identity document and the loan settlement certificate issued by the bank to receive the legal certificate and relevant supporting documents collected by the bank, and present the loan settlement certificate to the original mortgage The registration department handles the mortgage registration and cancellation procedures.
Extended information:
Minsheng Credit Card?
1. Ordinary Card: Limit 3,000-10,000. Annual fee 100. Use once in the first year to waive the current year and the following year. Annuity card will be waived if you swipe it 8 times: the limit is 10,000-50,000 years
2. The fee is 300. The first-year annual fee is waived when you open the card. If you swipe the card 8 times in the same year, the annual fee of the next year will be waived regardless of the amount?
3. Standard Platinum Card: 50,000-100,000 annual fee of 600 is waived for 8 times with no limit on the amount in the first year, and the annual fee is waived when spending 50,000 or more in the following year?
4. Luxury Platinum Card: Annual fee of RMB 100,000-200,000 for 3,600 times and annual fee of RMB 960,000 is waived?
5. Diamond Card: Annual fee of RMB 200,000-1,000,000 for 10,000 times of annual payment and RMB 2.7 million is waived? Fee?
Baidu Encyclopedia-China Minsheng Bank Credit Card Center