If you already have a mortgage, you can still apply for a car loan (credit card installment). The two have no impact on each other, as long as you have sufficient financial resources and repayment ability.

Process of bank credit card installment car purchase:

1. Submit an application. First take a good look at the vehicle you want to buy. Fill out the automobile consumer loan application form and credit status survey form, and submit them to the lending bank together with relevant certificates of personal circumstances.

2. Investigation and approval. The bank conducts pre-loan investigation and approval. If the bank meets the loan conditions, it will promptly notify the borrower to fill in various forms.

3. Sign various contracts. Notify the borrower to sign a loan contract, guarantee contract, mortgage contract, and handle mortgage registration and insurance procedures.

4. Grant loans. The bank issues a loan (directly transferred from the bank to the car dealer's account).

5. Pick up the car. The borrower pays the down payment to the car dealer and goes through the procedures for picking up the car with the passbook and the car pick-up note issued by the bank.

Note:

① According to bank regulations, the lender should pre-deposit the installment principal and interest in the settlement account in advance. Otherwise, the bank will charge a certain late fee.

② If funds allow, car buyers may consider repaying the loan in advance.