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I bought a car from a used car in melon seeds, and the loan is tens of thousands more. How can I protect my rights?
when buying a second-hand car, the loan amount is tens of thousands of yuan. In this case, I suggest that you negotiate with the platform and the loan contract signed with you shall prevail. If the loan amount is tens of thousands of yuan, you can ask the customer service to refund the overcharged money to you.

loan to buy a car

loan consumption is becoming more and more common. What are the procedures for beginners to buy a car with a loan? First of all, you need to know the basic conditions for handling personal car loans:

citizens who are over 18 years old and have full capacity for civil conduct

have legal identity documents, local permanent residence or valid residence documents.

This is the basic condition for handling car loans. Let's take a look at what procedures are needed to get a car loan.

Secondly, the process of buying a car with a loan:

1. The borrower submits the loan application materials to the bank

2. The bank conducts a preliminary review of the application materials submitted by the borrower

3. The bank conducts credit investigation and customer evaluation on the borrower

3. The bank examines and approves the loan application that meets the loan conditions

4. If it passes the examination and approval, it will notify the borrower. If it fails to pass the examination and approval, it must be explained to the borrower

5: After the loan contract comes into effect, the handling bank will issue the loan. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.

finally, I need to know the information needed to buy a car with a loan

1: Application for Personal Loan

2: Personal valid ID. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan Province. If the borrower is married, he should provide the spouse's identity certificate

3: household registration certificate or long-term residence certificate

4: personal income certificate, and family income or property certificate if necessary

5: car purchase intention certificate issued by the car dealer

6: loan car purchase down payment certificate

7: if the car is secured by other means than mortgage, provide relevant materials for the guarantee. Including pledge right certificate, ownership certificate and appraisal certificate of mortgaged real estate, letter of intent guaranteed by a third party, 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 of the vehicle to the transportation fleet, etc.

9. If the vehicle purchased by the loan is a used car, it is also necessary to provide proof of intent to purchase the vehicle and a vehicle appraisal report issued by an appraisal agency recognized by China Construction Bank; Certificate of vehicle ownership of the vehicle seller, Motor Vehicle Registration Certificate of the traded vehicle, annual inspection certificate of the vehicle, etc.

The more common the loan consumption mode is, the more careful the novice should be when handling the loan to buy a car, and watch the formalities carefully. In order to avoid unnecessary troubles caused by the latter after the loan.