How long does it take to buy a car with a loan? What are the procedures?

1. How long does it take to buy a car with a loan? What are the procedures?

Condition: 1. China citizens who have reached the age of 18 and have full capacity for civil conduct; 2. Have a permanent residence in this Municipality and a fixed residence within the administrative area of this Municipality; 3. The individual has a good reputation, has stable professional and economic income, and can repay the loan principal and interest on schedule; 4. During the loan application period, pay no less than the down payment for car purchase stipulated by the bank; 5. Willing to accept other conditions deemed necessary by the bank: the longest term of personal automobile consumption loan is five years (inclusive). The car price is less than 70,000 yuan (including 70,000 yuan), and the maximum term of personal car consumption loan is three years (including). Down payment: the maximum amount of personal automobile consumption loan shall not exceed 80% of the purchase price, that is, the down payment shall not be less than 20% of the purchase price. Insurance: During the loan period, the borrower must continuously take out motor vehicle loss insurance, third party liability insurance and theft insurance, and specify in the special insurance agreement column that when the motor vehicle insured during the loan period is stolen, totally lost or presumed totally lost, the loan handling bank is the first beneficiary of insurance compensation. Survey: (1) Pre-lending survey 1. The loan applicant carefully fills in the "Pre-loan Pre-examination Form -I" and submits it to the bank for preliminary examination. 2. The bank initially completed the loan qualification examination of the applicant through the "Pre-loan Pre-examination Form -I". For applicants who meet the bank loan standards, the bank informs the loan applicants to prepare personal loan application materials. 1) Customers applying for personal automobile consumption loans should provide the following materials: an application for personal automobile consumption loans; Copy of the original resident ID card and residence booklet (the married person should also provide a copy of the original spouse ID card and residence booklet); Certificate of permanent residence; Marriage certificate; Education certificate (bachelor degree or above required); Proof of the borrower's repayment ability recognized by the bank, including the salary certificate or other legal income certificate issued by the unit (referring to the comprehensive income of the family, all income certificates are required); Other relevant information deemed necessary by the handling bank; 2) If the loan applicant provides a personal salary income certificate, it shall be issued by the unit to which it belongs and stamped with the official seal; If proof of operating income is provided, business license, financial statements and tax payment certificate shall be provided; If proof of rental income is provided, the lease contract, proof of ownership of the leased property and proof of rental entry shall be provided; If you provide personal financial and non-monetary assets certificates, you need to provide relevant rights certificates. If the customer is a company legal person or a private owner, it should be required to provide business license, financial statements and other information according to the specific circumstances to further understand the company's operation and financial situation. 3) The residence certificate of the loan applicant includes the real estate license, the house lease or sales contract, and the customer residence certificate issued by the neighborhood committee or the police station. 4) If there is a guarantor, it is necessary to provide the guarantor's resident identity card, a copy of the original household registration book, income certificate, marriage certificate, academic certificate, professional title or professional qualification certificate. 3. Face-to-face signing 1) Before issuing the loan, the bank must appoint an account manager or business manager to meet with the borrower to find out his credit standing, and fill in the "Investigation on conversation record before Personal Automobile Consumption Loan of Bank Beijing Branch". 2) The applicant shall provide the loan application materials and fill in the Loan Application Form. The bank account manager or business handling personnel shall check the original and photocopy of the loan application materials, and after confirming that they are completely consistent, they shall affix the words "After verification, the original and photocopy are consistent" on the retained copy and affix their personal seals. 3) Witness the signature of the loan applicant on the loan contract, relevant vouchers and other legal documents, ensure the authenticity of the signature, and sign the witness statement of the account manager. 4. Home Visit Investigation For each individual car consumption loan, our staff must make a home visit investigation in person, form a home visit investigation report and sign it for confirmation.

Second, how long does it take to buy a car with a loan?

The loan to buy a car is usually half.

After the approval, the customer also needs to sign a loan contract at the business outlet of the financial company within the agreed time, handle the mortgage and other related procedures, and then enter the lending link. From car loan approval to loan release, complete.

If you don't receive the approval result of the car loan or don't lend money after the car loan is approved, the customer can take the initiative to call customer service.

Loan car purchase process

1. First, find financial institutions willing to provide loans. Many brands of cars have their own financial companies, and if there is no dealer, they will recommend them.

2. Find the financial proof materials to be provided, including: real estate license, work certificate, social security certificate, household registration book, ID card, personal credit certificate issued by the People's Bank of China, and personal account of the bank in the last three months.

3. The whole loan approval process takes about 15 working days. Some vehicles need to pay part of the down payment, so you need to prepare some cash.

At present, the price of vehicles is relatively cheap, and it is very common for many people to ignore the pressure of loan to buy a car, so the time spent is relatively short. However, for those who are not clear, you should carefully look at the content of this article to be more clear. If you have any other questions,

3. How long does it take to get a car with a loan?

How long does it take to buy a car with a loan? Procedures to be handled within two weeks: generally, you need to prepare some certificates, single certificate (marriage certificate), real estate license income certificate, etc., and then the guarantee company will review it. It usually takes 2-3 days, and then they will send the information to the bank, wait for 3-5 days, and then give the loan to the car dealership. Car dealers still have 2-3 days to apply for insurance. Guarantee companies and banks are closed on weekends. If you have a car, it may take three weeks to pick it up as soon as possible.

How long does it take to apply for a car loan to make a down payment? After the data is approved, the 4S shop will inform the customer to confirm and then release the vehicle. If there is no existing car, it will inform the manufacturer to leave the car and transport it to the 4S shop by truck. Now the bank loan policy is different from before. Now that the down payment has been completed, wait a few days to see. The quality of the car is the most important thing.

After paying the down payment, you can pick up the car and leave immediately (if you have a car)

How long does it take to buy a car with a loan mean that the borrower who applies for a car pays part of the down payment first, and the lender issues the loan to the car buyer in stages.

How long does it take to get a loan to buy a car? To apply for a personal loan at China Merchants Bank, if the application materials submitted are complete, the examination and approval will take about 15 working days. Because it involves evaluation, mortgage registration and other links, each customer's situation will be different. The specific lending time, review status, processing progress and other related information of the loan can be directly confirmed by contacting the handling outlets or loan account managers. In addition, if you have submitted a loan application at China Merchants Bank, you can also log in to mobile banking to check the loan approval progress: 1, Home-Loan-Loan Progress Query; 2. My loan-inquiry-loan progress inquiry; 3. Assistant-borrowing money to do business-loan progress inquiry.

How long does it take to buy a car with a loan from Tiggo 5? Hello; It usually takes about 15 days to apply for a car loan! I hope I can help you!

How long does it take to buy a car with a loan? Loans require ID cards, real estate licenses and household registration books. If you get married, you need a marriage certificate, proof of income (banks can make running bills) and a driver's license. Generally, the review can be completed within 3 working days after the application is submitted.

If the loan to buy a car is normal, it will take 3-5 working days, the shortest is 3 working days, and the longest is 5 working days, before the loan or car can be approved. The general process is preliminary review 1 day, reexamination 1 day, and total review 1 day (signature of bank president 1 day).

Under normal circumstances, you can pick up the car about 7- 15 days after the approval, depending on whether you want the full amount or a loan. There is a car buyer with zero down payment at present. I suggest you go to them and recommend Zhongbang Wealth in the form of renting and purchasing.

If you do it in CCB, if the information is complete, it will take no more than one week from application to delivery.