Automobile consumption loansRefers to the lenders to individuals or enterprises, enterprise legal person issued for the purchase of automobile consumption loans, consumers purchase a car from the dealer to pay part of the first paragraph, the remaining by bank loans for auto loans. In theSmall loansSurveyAutomobile consumption loansNow purchase a car has become more fashionable, popular among young people favor. But there are many car owners do not know how to apply for theAutomobile consumption loans, also do not know to apply forAutomobile consumption loansProcess andAutomobile consumption loansThe application conditions. Peng small loan unsecured credit to individualsAutomobile consumption loansSum up, I hope to help you apply for a car loan.

(1) for automobile consumption loans should prepare data:
Peng Xiao - answer:
1, the loan application approval form;
2, my spouse and valid identity certificate and a copy of the;
3, residential address proof (receipt booklet or nearly 3 months rent, water, electricity, gas charges);
4, occupation and income proof (job Id original and photocopy; a bank to pay wages passbook, etc.);
5, to provide no less than the prescribed proportion of the first payment voucher;

(2) apply for a car loan application process
Peng Xiao - answer:
1, customer application:Consumption in theEasy credit China official websiteFill out the online application, easy credit China will according to the actual situation of consumers, recommend the local cooperative lending institutions;
2, the signing of the contract:Contact the consumer lending institutions, submitted by the applicants information through the audit of loan applications, the two sides signed a loan contract, the guarantee contract, as the case for the relevant notarization, mortgage registration procedures;
3, loans:By lending institutions approved loans, complete all formalities, the lending institution according to the contract of automobile dealers directly into ways to transfer accounts;
4, the repayment schedule:Loan applicants according to the loan contract agreed repayment plan, loan principal repayment methods;
5, the loan settlement:Loan settlement including normal settlement and early settlement of two.
Normal settlement: in the loan maturity (one-time repayment of principal and interest class) or loan last period (amortization class) loan settlement;
The early settlement: before the maturity date of a loan, the loan applicant as early as part or all of the settlement of loans, according to the loan contract agreement, to apply to the lenders, the examination and approval by the lenders for repayment.
Loans to settle, legal documentation loans settlement vouchers to reclaim the loan applicant should I hold valid identity documents and lending agencies issued by lenders custody and related documents, and the loan settlement vouchers to go through the formalities for deregistration mortgage the mortgage registration department.

(3) for some problems we should pay attention to the automobile consumption loans
Small loans to remind friends:
First, in the enjoyment of the "zero interest free loan business", whether can also enjoy preferential prices;
Second, the current marketAutomobile consumption loansCharges in the 4%~7.5% range, is not raised interest charges;
Third, the general purchase a car interest rate is charged according to bank benchmark interest rate, whether from fees, interest on bank benchmark interest rate basis broke surface. At the same time, because of the choiceAutomobile consumption loansThe new car insurance, must be "full", will have a greater premium expenditure. 　　

Purchase a car easy loans-- credit purchase a car loan for lack of funds to purchase a car. Line: 5000 yuan -50 yuan
The application form to fill out the address: Http://www.loanchina.com/activity/product/carloan-gp327998627.html
If you need to apply for other types of loans, you can choose to apply for loans in the fast channel
Apply for loans fast channel-- fast solves the small and medium-sized enterprises and personal financial problems. Loan amount: 0.5-500 yuan
The application form to fill out the address:Http://www.loanchina.com/QuickLoan/dashi-gp327998627-index.html

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