For the convenience of their own life now more and more people buy cars, but forCar loansThe procedure you Is it right? Know? In order to let everyone have fully prepared in a loan to buy a car, do the following with the introduction of the auto loan program.

Car loan program:

1, the customer to a bank outlets for consultation, outlets for user recommendation has been signed with the banks "auto loan cooperation agreement" and our distributors;

2, to the dealership to buy auto selected, signed the contract or agreement and purchase a car dealer;

3, to the bank applying for the loan, the necessary information:

The man: loan application; effective identity documents; occupation and income proof and the basic situation of the family; purchase a car contract or agreement; a certificate or document guarantee required lenders under other conditions.

The legal person: loan application; the business license of enterprise legal person or the business license; documents to prove the legal representative, the legal representative; the people's Bank issued "loan certificate"; the accounting (AUDIT) on an annual financial report audit firm and the last months of the balance sheet, income statement and cash flow table; collateral, pledge list and the disposition right agree that mortgage, pledge, pledge must submit the ownership or use right certificate, appraisal, insurance documents, pledge must provide the right documents, the guarantor agree to ensure that documents; other conditions provided by the lender;

4, the borrower shall assume full responsibility for the authenticity and legitimacy of the materials provided by;

5, banks have the right to investigate the credit of borrowers and the guarantor of the receiving loan application, do not meet the conditions of the loan, the bank informed the borrowers in the loan application accepted after fifteen working days; to meet the conditions of the loan, the bank will make loans, period, interest rates and other specific advice, timely notice to the borrower loan security procedures, signed the "loan contract" car consumption;

6, borrowers do mortgage insurance in the lending bank designated by the insurance company, and in the policy clear first beneficiary bank loans, the insurance period shall not be shorter than the duration of the loan;

7, bank loans to dealers "notice" issued by the automobile consumption loans, the borrower will also purchase a car payment paid to dealers;

8, dealers in the received notice "and" car consumption loans receipts, assist the borrower to pay for and licensing procedures related departments, and will purchase a car invoices, various payment certificate and driving license copy directly transferred to the bank loans;

9, the borrower to purchase the car as collateral, the insurance policy, purchase a car invoice vouchers in the period of the loan by loan bank custody. During the contract period, lenders have the right to supervise the borrower income status, collateral, to supervise the guarantor's reputation and compensatory ability, the borrower and the guarantor shall provide assistance.

10, the loan in accordance with the contract terms of loans.

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