The following is the basic knowledge of the auto loan industry, not my company loan policy:

1Automobile consumption credit, what is?
To apply for the purchase of vehicles, the borrower RMB secured loans: banks and car dealers to enough of a car
Of the funds required to pay for the car to provide loan guarantees, and insurance, notary public notary to purchase a car makers to provide insurance and.
2What, is the mortgage? What are the property as collateral?
Mortgage lenders to "guarantee law" provisions of the mortgage to the borrower or the third party's property as collateral loans loan
Paragraph. As collateral property including:
1The mortgagor has the right to independently control the property and other fixed objects on the land.
②The use right of state-owned land mortgage according to law.
③Other property lender approved.
The lender signed mortgage contract and the mortgage people, both parties must be in accordance with the relevant legal provisions for the registration of mortgaged property. The mortgage contract shall come into force as of the date of registration of the mortgaged property to the lender, repaid all loans to terminate. All can prove the ownership of mortgage documents (original) and mortgage insurance documents (original) etc., are maintained by the lender and bear the responsibility of keeping the.
3What, is the loan, what can make the pledge?
Mortgage refers to the lenders under the "security law" provisions of the pledge to the borrower or the third party's immovable property or rights as collateral loans.
As a matter of pledge includes: Treasury, state key construction bonds,AAACorporate bonds, certificates of deposit and other securities. The pledger shall the right documents and the lender, the pledge contract from the date of delivery of the document of title. Personal certificates of deposit pledge, shall provide proof of identification bank and stop payment certificate.
4What is the guarantee, loan, the guarantor negative what responsibility?
Guaranteed loans refer to loans according to "guarantee law" provisions of the guarantee to third people promise to repay the loans the borrower cannot
Interest, in accordance with the regulations shall bear joint and several liability and loans. The guarantor to provide loans in loan guarantees for irreversible full guarantee jointly and severally liable, but also means that the provisions of the loan contract in the loan principal and interest and related costs caused by the loan contract. The guarantor shall bear joint and several liability caused by all of the loan contract.
5Installment purchase a car, whether can spot a car?
Installment purchase a car, dealers and banks need to have a credit investigation process, therefore, generally can't spot the car. Again
Person, car is different from other commodities, still need to be insured, the license and vehicle licensing examination procedures more complex, in general, the application3-5Working days to be completed.
6Installment payment, customer address migration, why should immediately notify the dealer?
In the past no complete payment of installment payment, the customer has only the right to use the car, Zhan Youquan, but the ownership of silver
Bank or dealer, so banks and dealers have the right to know the actual vehicle use.
7Consumer credit purchase a car, the applicant must have what conditions?
1With the area resident accounts, have a fixed residence.
②With full capacity for civil conduct18Years of age to55Natural persons under the age of.
③Credit good, and have the ability to repay the principal and interest.
④Willing to accept the sales side think other necessary conditions.
8Purchase a car, people in general should provide what information?
1Resident identity card, account book, housing permits, marriage certificate, proof of income and a copy of the original.
②Work units and unit address, telephone.
③Residential address and telephone, cell phone number.
④An inch of my recent bareheaded photo two.
5The spouse or common purchase a car person Id and work units, contact telephone number.
⑥Guarantor ID, account of this, the original housing certificate and a copy.
⑦Current work unit labor department, contact telephone.
⑧Other certificates as required by the customer.
9Consumer credit purchase a car, what is the process?
1Customer distribution network consulting, delivery and the information to be provided to the dealer.
②Purchase a car dealer trial and signed contracts with clients.
③The dealer to recommend to customers the qualification examination qualified after the bank.
④Customers in the bank account and deposit payment.
5The bank's customers approval and loan formalities.
⑥The bank will amount to the dealer account.
⑦Mortgage registration procedures and all kinds of insurance business and customers.
⑧Undertake notarization to contract agreement.
⑨For vehicle licensing procedures, such as commercial vehicle should apply for the operating procedures and installationGPSLeave the car, to the customer.
⑩The customer payment.
10, the loan interest is how to calculate?
The loan amount for the base, according to the contract when the bank pay a tribute to interest rates, the repayment period such as bank interest rates change, with the interest rate adjustment, a year.
11Consumer credit purchase a car, how to handle the vehicle insurance?
Installment payment period insurance premium shall be dealt with in the dealer designated by the insurance company. Insurance: automobile physical damage insurance, third party liability insurance, pilfer rush to deal with an emergency, do not remember the franchise risk, risk, risk of spontaneous combustion of passengers. General requirements for a year, insurance procedures by the dealer agent.
12Purchase a car needs, whether consumer credit guarantee?
To guarantee flexible and diverse forms, but. First, purchase a car people spouse must be as common people to purchase a car purchase a car handling procedures, secondly, the purchase of the vehicle to be used as collateral. Third, if necessary, may require customers to provide real estate certificate or other valid documents and securities as collateral. Fourth, the natural or legal persons by the dealer as collateral.
13The loan purchase a car, how to divide the period?
According to one month for a period, the length of not more than60Months (5Years), is generally determined according to the user and models and use. The purchase of vehicles used for business purposes in taxi, car rental, the longest period of not more than24Months (2Years).
14Loans to purchase a car, whether early repayment?
Yes, the repayment period if the user the remaining cars in a lump sum can be. But should notice the loan to the bank in advance, self paid month next month after the interest is not in charge.
If any one period loans due and unpaid, and the bank or dealer two written urged still no report, the bank has the right to total debt outstanding contracts on the user, to the jurisdiction of the people's court for compulsory execution, the vehicle back auction, auction sales is not sufficient to pay the arrears and necessary expenses the user must pay the debt.
15Before the loans outstanding, how to deal with, the vehicle quality problems occur?
Such as vehicle quality problems occur, the user to the manufacturers authorized repair service center to deal with. In the meantime, the user may not be as money as an excuse to stop or postpone the payment of each should repay all outstanding fees and other.
16What are the common people, purchase a car? Negative what responsibility jointly purchase a car?
To purchase a car people refers to the natural person has a spouse or lineal relatives and purchase a car people, its are willing to assume risk responsibility in the purchase a car purchase a car consumer credit activities, agreed the terms of the contract, to pay arrears. In the purchase a car people problems unable to repay their cars, it has not shirk the responsibility of repayment of arrears.
17Loans to purchase a car, can use the property or negotiable securities as collateral?
Can, real estate certificates shall be issued by the national specialized management institutions housing ownership certificates, users provide the original original and signed mortgage contracts, mortgage registration and notarization can. If the user provides the treasury or other securities as collateral, only need to provide the arrears60%, you can handle the.
18The basic procedures, purchase a car users with complete, also need a mortgage?
According to the user's different conditions, such as the need to think, can require the user to mortgage.
19Purchase a car, as do the similar models of price adjustment?
In the payment period in the case of the purchased vehicle price adjustment, whether up or down, will not affect the original price, customers purchase a car according to the original contract price standard payment at.
20Consumer credit purchase a car, why people have to be willing to sell that other conditions necessary?
The other conditions, mainly refers to provide collateral, collateral and eligible guarantors. Because the purchase a car people conditions differ, if go to check with one standard, which is relatively rigid, not conducive to sales. Some customers in one aspect of the condition is worse, the propose necessary other requirements, as it can meet the conditions can also purchase a car. This additional condition is necessary.
21In the local purchase a car, can be used, in the field?
Before the car is not completely clear, can only be used in the local area, prohibited the use of long-term to the field.
22In addition, insurance, also need to have what conditions dealer warranty?
1To purchase a car dealer to provide guarantee.
②Before the contract signed purchase a car, to be a one-time payment guarantee fee.
③Loans to vehicles as collateral, the lenders accidents and to repay the debt, according to the length of the loan price depreciation ratio to guarantee the dealer.
④Signed the purchase a car when the contract, the borrower is required to provide a common purchase a car and a shared the debtor or the second debtor.