Loan to buy a car what procedures?First introduce the object of personal auto loan: at least 18 years of age, with full civil capacity of the citizen; with valid identity certificate, a local resident accounts or valid residence documents. This is the basic condition below to have a look, to loan to buy a car what are the specific needs and need to pay attention to.

 Apply for loans to buy a car program

 The borrower to submit application materials;

The handling bank to the borrower to submit the application materials for the trial, credit investigation and customer evaluation of the borrower;

③ through examination and investigation of the credit, in accordance with the conditions of the loan loan applications for approval;

Through the examination and approval, notify the borrower for the signing of the contract, loan, mortgage or pledge and other related procedures; without approval, shall be explained to the borrower;

The loan contract in force behind, the handling bank loans. To take special loan, according to the loan contract, the bank will loan the borrower directly into purchase a car dealer account.

Loan to buy a car pay attention to details

1. Details: interest free car loan not fee
   Now a lot of auto finance companies have launched free car loan, but the charges but with different rules, and some need to charge a fee, some do not charge a fee. If you want to buy the car is free and fee free, so is relatively affordable, if need to charge a fee, you must carefully calculated measure. The car loan fees are generally the car a total of 4%-7%, and in turn the first monthly and one-time paid the fee, if the fees are too high, then consider other car loan types.
2. Details of the two: for car loans before carefully read the relevant insurance clause
   Loans to purchase a car means that you are in the absence of any bank loans, your car is mortgaged to the bank, is a bank. In order to reduce the risk of the bank, usually in the car loan contract requires you to buy some insurance as loan conditions. The insurance premium is not fully meet your requirements, and may be too high, so must apply for a car loan, carefully read the relevant insurance clause, can not ignore the spending.
3. Details of the three: zero interest loan purchase a car restriction
   Many manufacturers and car loan agency launched interest loan purchase a car, especially some high-grade car. But the general interest rate loan purchase a car car has two limitations: one is the zero interest rate purchase a car can't enjoy the related activities cash discount, and sometimes the cash discount amount is very big; two is the interest rate loan purchase a car easily subject to time and geographical constraints and dealers, and not every time are unified in activities. If you want to purchase a car loan interest rate, these two aspects must be considered.
4. Details of the four: consider floating cars and loan interest rates
   In general, if you are interest free loans, then the car will have a certain proportion of floating cash purchase a car loan purchase a car, and the price is not the same. In this case, you need to calculate floating amount is much, Is it right? Exceed the total purchase a car commercial loan interest, if exceeded, may apply for commercial car loans, no more than, can apply for interest free loans.
   

To apply for a loan of essential information