What's the procedure for buying a car?

When buying a car, you need to bring your ID card, and the company should bring your organization code certificate and official seal.

1, apply. After you are optimistic about the vehicle to be purchased, fill in the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to the loan bank together with the relevant certificates of personal situation.

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

3. Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures.

4. The bank issues loans (the bank transfers money directly to the car dealer's account).

5. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

Extended data

Four iron laws for buying a new car

The first iron is to avoid vehicles with three-cylinder engines as much as possible. At present, when many car companies push a new car, they usually push three models with different engines. In many cases, they are designed to meet emission standards, not from the consumer's point of view. Many old drivers are well aware that one of the major defects of a three-cylinder engine is jitter.

It can be said that this engine is inherently deficient, and some car companies claim to have added a balance shaft. The jitter problem has been solved. The new car doesn't seem to shake as much as expected, but with the increase of car use time, the problem of shaking will become more and more obvious.

The second iron law is to avoid dual clutch models as much as possible. At present, many models are matched with dual clutches. Although the dual clutch has indeed developed for many years, it is technically much better than the beginning. Compared with at and CVT gearboxes, the failure rate of dual clutch models will be higher.

Novice drivers are not as good as old drivers in driving skills and driving methods, and are not good at grasping dual-clutch models. Various problems are prone to occur in the process of car use, which affects the car experience. If you have to choose dual clutch, try to choose wet dual clutch.

The third iron law is that novices should try not to buy high-end models when buying cars. The average consumer considers the cost performance when buying a car. Now that car companies release a new car, there will be low-equipped, medium-equipped and high-equipped models. To put it bluntly, high-profile models are more suitable for those consumers who have higher consumption levels and pay attention to the diversification of their own configurations.

If individuals pay more attention to the driving experience and some configurations, then it is enough to choose a mid-range model. As for the configuration in the high-profile models, although rich, many of them are actually not used.

The fourth iron law is that a large-displacement self-priming car is better than a small-displacement turbocharged car. If you have been to the used car market, you will find that many small-displacement turbocharged cars are piled up in the garage, and few people will buy them. Some old drivers describe two kinds of cars like this. Large-displacement self-priming is like a naturally strong person, and small-displacement turbocharged models are like a naturally weak person.

Baidu encyclopedia-loan car purchase