Yes, it is very convenient and easy to handle.
Required documents: generally speaking, you need to provide ID card, driver's license, salary bank running water lamp, and personal 4S shop also needs income certificate.
Automobile installment payment requirements:
1. There is a bank credit card. At present, there are mainly two kinds of credit cards, China Merchants Bank and China Construction Bank. It may take some time, and it cannot be a new card. The bank's approval application is mainly based on the credit record of the credit card.
2, and then loan for several years, several years of insurance to buy together, but also theft and rescue.
Finally, it is possible that the bank will demand that the property right of the car be mortgaged to the bank. Remember to deposit the money in the passbook. The bank will deduct money regularly, and the details of deduction will be sent to the lender.
2. What are the procedures for applying for a car loan?
1, car buyers go to bank outlets for consultation;
2. Select the car to be purchased at the dealer and sign a car purchase agreement with the dealer;
3. Apply for a loan at a bank outlet;
4. The bank reviews the user's credit;
5. Sign loan and guarantee contracts;
6, bank loans, users for vehicle insurance, car purchase;
7. The customer repays the loan on time.
Note: Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car, also called auto mortgage.
Object of loan: The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.
Loan conditions: the borrower has a stable job, the ability to repay the principal and interest of the loan, and good credit; Can provide recognized assets as collateral or pledge, or a third person with sufficient compensatory ability as a guarantor to repay the principal and interest of the loan and bear joint liability.
Loan amount: The maximum loan amount generally does not exceed 80% of the price of the purchased car.
Loan Term: The loan term for automobile consumption is generally 1-3 years, and the longest is no more than 5 years.
3. What are the procedures for handling car loans?
The procedure for applying for a car loan is: 1. Submit an application: the borrower submits an application for car loan to the lending institution, and submits personal information as required, such as income certificate and work certificate. 2. Review of lending institutions: The lending institutions review the application materials submitted by the borrower, conduct credit investigation on the borrower himself, and notify the borrower to pass the review after meeting the requirements. 3. Signing a loan contract: After approval, the lending institution and the borrower negotiate the loan amount, loan interest rate and repayment period, and sign a loan contract. 4. Go through the mortgage registration formalities: The borrower needs to go through the mortgage registration formalities at the local vehicle management office with the loan contract, car purchase contract and other materials to obtain the vehicle ownership certificate. 5. Lending: The borrower submits the mortgage registration procedures and certificates to the lending institution, and the loan will be directly transferred to the dealer's account of the borrower's car purchase according to the time agreed in the contract after it is verified by the staff. 6. Pick up the car: After completing the above procedures, the borrower can directly go to the car dealer to handle the vehicle handover procedures and drive the car home. Interim Measures for Personal Loans Article 12 Interim Measures for Personal Loans Article 13
4. What are the procedures for getting a car loan?
The procedure for applying for a car loan is: 1. Submit an application: the borrower submits an application for car loan to the lending institution, and submits personal information as required, such as income certificate and work certificate. 2. Review of lending institutions: The lending institutions review the application materials submitted by the borrower, conduct credit investigation on the borrower himself, and notify the borrower to pass the review after meeting the requirements. 3. Signing a loan contract: After approval, the lending institution and the borrower negotiate the loan amount, loan interest rate and repayment period, and sign a loan contract. 4. Go through the mortgage registration formalities: The borrower needs to go through the mortgage registration formalities at the local vehicle management office with the loan contract, car purchase contract and other materials to obtain the vehicle ownership certificate. 5. Lending: The borrower submits the mortgage registration procedures and certificates to the lending institution, and the loan will be directly transferred to the dealer's account of the borrower's car purchase according to the time agreed in the contract after it is verified by the staff. 6. Pick up the car: After completing the above procedures, the borrower can directly go to the car dealer to handle the vehicle handover procedures and drive the car home.