You can apply for a car loan, and the information needed for the car loan: the original ID card, household registration book or other valid proof of residence, and provide its copy; Proof of professional and economic income, running list of personal accounts in the past 6 months; The car purchase agreement, contract or letter of intent signed with the dealer; Other documents required by the Cooperation Organization.

When making a loan, the lender needs to prepare proof materials, go to the bank, fill out the application form and fill out the contract. Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms.

If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If the loan is unsecured, there is no need to sign such a contract. Finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

Extended data:

Optional loan methods: one-time principal and interest repayment method and installment repayment method (equal principal and interest, average principal).

One-time repayment of principal and interest: The borrower will not repay the principal and interest on a monthly basis during the loan period, but will repay the principal and interest once the loan expires. Recently, the People's Bank of China issued a personal housing loan with a term of 1 year (including 1 year), which adopted this method. The calculation formula of one-time repayment of principal and interest is as follows:

One-time repayment amount = loan principal ×[ 1+ annual interest rate (%)] (loan term is one year)

One-time repayment of principal and interest at maturity = loan principal ×[ 1+ monthly interest rate (‰ )× loan term (month)] (loan term is less than one year)

Monthly interest rate = annual interest rate12

Matching principal and interest: refers to the repayment of the same amount of loans (including principal and interest) every month during the repayment period.

Calculation of monthly repayment amount: [loan principal× monthly interest rate× (1+monthly interest rate )× repayment months ]≤[( 1+ monthly interest rate )× repayment months]

Average capital: At first, the lender was under great pressure to repay, but with the passage of time, the monthly repayment amount became less and less.

Monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.

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