The secondary mortgage loans car process can be divided into the following steps

The first step is the need to purchase a car to the bank outlets for consultation, outlets for user recommendation has been signed with the banks "second-hand car consumption loans cooperation agreement" and our distributors.

The second step is to choose to buy second-hand car dealer, and with the signing of agreement and purchase a car dealers, car number, color, clear.

The third step is to purchase a car to the bank applying for the loan, and submit the data, these data is proposed in the purchase a car loan applications to banks, is responsible for the work of the staff will tell you, generally need to provide personal loan application, valid identity certificate and proof of income, occupation and family status, guarantee agreement, purchase a car documents required, other conditions provided by the lender.

The fourth step is to bank auditing user credit, the bank will inform the borrower in the loan purchase a car the admissibility of the application within fifteen working days, if the user does not meet the conditions of the loan, the bank will return the application materials to the applicants. If compliance with loan conditions, the bank will sign the "second-hand automobile consumption loan contract and comply with the conditions of the loan borrowers". The second-hand car consumption loans does not exceed the maximum amount of purchase a car section of the 60%~80% (the bank loans are different), the longest period of the loan shall not exceed three ~ five years (the bank loans vary).

The fifth step is signed loan and guarantee contract, if the applicant is in line with the loan conditions, the bank signed loan contract and the contract of guarantee, the guarantee mode and the corresponding procedures. The specific content is listed below, you can a watch.

(1) provide third party joint liability guarantee way (except the bank, the insurance company), the guarantor and the bank signed a guarantee contract, also can be provided by insurance companies, joint liability guarantee provided by a bank guarantee or. 　　

(2) the user to mortgage or pledge form should be signed guarantee, mortgage or pledge contract with the bank. To housing as collateral, must be approved by the designated assessment agencies assessment confirmed, by bank mortgage to the District Housing real estate registration office to apply for mortgage registration, made of the effective date of the contract. To pledge collateral, pledge contract in right handed over to the entry into force of the contract after the bank voucher. 　　

(3) the above formalities complete, the bank shall promptly give notice to the special dealer loan. 　　

(4) to purchase second-hand car as collateral, the bank shall promptly give notice to the special dealer loans, and in the purchase of second-hand car registration by the bank after the unification to the management of vehicles for mortgage registration. 　　

The sixth step is to bank loans, insurance, car users. In general, distributors in 15 days as of the receipt of the notice of the customers purchase a car loan, invoice, payment receipts and driving license (copy) to the bank. Here need to remind people to purchase a car, the bank is for the property insurance procedures on customer loans after. Categories include: loss of vehicle insurance, third party liability insurance, and the risk of spontaneous combustion, pilfer. All kinds of insurance period shall not be in the short term loans. 　　

The seventh step is to customers on time repayment. Customer monthly or quarterly matching loans.