With the domesticUsed carIndustry gradually normal and perfect, now there are more and more financial institutions set up second-hand car loan service, but the second-hand car loan is different from the new car, this also let many consumer feel headache. Today the Central South automobile education network editor here to introduce the second-hand car loan process, hope for consumers to help. For more information please login download Central South automobile Education Network

　　The second-hand car loan application materials

1, identity card, residence booklet or other valid residence documents, and provide the copies of;

2, occupation and income proof;

3, two photos, purchase a car people if married, but the marriage certificate and certificate of spouse;

4, and signed the purchase a car dealer agreement, contract or letter of intent to purchase a car;

Other materials required 5, banks or lending institutions.

　　Car loans need to handle the formalities

1, the general is the use of 3 into a down payment, loan 7 ways used car loans.

2, the general loan period of 1 to 3 years, up to 5 years.

3, the loan amount from 40000 to 5000000 range, and can meet the requirements of brand credit.

4, the lender must be greater than 18 years of age, and the age of the borrower and the loan period of not more than 70 years of age.

5, customer types must be self-employed, standard salary, liberals, good occupation etc..

In 5 years of age, driving the carMileageNumbers within 80000 kilometers of the second-hand car, free of evaluation in the loan, but need 5 into a down payment, and take the matching way of repayment for.

　　The second-hand car loan process

1, purchase a car to the bank outlets for consultation, outlets for user recommendation has been signed with the banks "second-handThe carConsumer loan cooperation agreement "and our distributors.

2, to the dealership to buy second-hand car selected, signed the agreement and purchase a car dealers, car number, color, clear.

3, to the bank applying for the loan, the bank loan application required information: personal loan application, valid identity certificate and proof of income, occupation and family status, purchase a car agreement, guarantee the required supporting documents provided by the lender, the conditions.

4, the bank audit user credit, bank borrowers in the loan purchase a car the admissibility of the application within fifteen working days after signing, "second-hand automobile consumption loan contract and comply with the conditions of the loan borrowers". Central South automobile education network editor to remind you of 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, taking Beijing city as an example, the second-hand car loans must Shoufu 50%, the longest period of the loan is three years).

5, 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. Guarantee mode and the corresponding procedures:

(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.

6, bank loans, insurance, car users. 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. Bank 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.