(turn) car loans procedures 5 steps

Whether from dealing with the bank management mode, auto loans are divided into "- type" and "straight type". Because recently many insurance companies stop for the insurance with the borrower in nature, so the bank for more major is the mortgage plus guaranteed loans, the borrower will auto mortgage, and to find a bank approved the guarantor (civil servants, doctors, financial staff) guarantee.

As for the loan procedures, should according to "go to the banks for car" mode of management. Now many car dealers to sell vehicles, to purchase a car makers to make help for the bank loan commitment, in this case, purchase a car will feel shy to bargain or other conditions. In fact, to purchase a car makers to help mainly is the insurance company salesman, they in order to sell insurance, the general will take the initiative to help purchase a car makers to fill in forms or for specific procedures and so on, therefore, purchase a car can from dealers optimistic about the vehicle, to the bank for the "direct - type" loans, and then with "money to buy a car," so that we can justifiably and dealers bargain or enjoy preferential. Specific procedures are as follows:

1 apply. Optimistic about the quasi purchase of vehicles, fill in the automobile consumption loan application, credit situation questionnaire, and related certificates along with the personal information submitted loan bank.

2 bank credit investigation before and approval. The bank accepts the loan application, carries on the investigation to the credit of borrowers and the guarantor, to meet the conditions of the loan, the bank will inform the borrower to fill in forms.

3 notice to the borrower signed loan contracts, guarantee contract, mortgage contract, and mortgage registration and insurance procedures.

4 bank loans (by the bank directly to the dealer account).

5 the borrower will be the first payment to the car dealers, and by issuing bank passbook and car carrying single for carrying vehicle procedures.
● operating procedures

-- first by the customer to the car dealers make mortgage applications, then the Guarantee Corporation in accordance with the relevant provisions of customer requirements for personal data. These data include: ID card, proof of income, marriage certificate, proof of residence (hukou or temporary residence certificate, etc.), a copy of the housing property permits, driver's license of the six documents, if the owner is a state-owned enterprise workers, also need to prepare work certificate, if the owner is a body private households, a copy should issue documents related to the business license, tax registration certificate, certificate of organization code. Of course, also need a local sponsor. Data preparation is complete, the Guarantee Corporation will do a door-to-door survey, in case report after the bank confirmation. Finally, the bank signed a loan contract with the customer.

-- the guarantee fee

-- a Guarantee Corporation disclosed to reporters the charges: door-to-door survey cost for the 3rd Ring Rd within 300 yuan, 500 yuan outside the 3rd Ring Rd; archives management fees according to the loan period, an annual fee of 200 yuan; the customer and the bank signed the loan contract to the Guarantee Corporation to guarantee fees, security costs depends on the amount of loans and loan service at present, Chengdu City car loans loans generally within 5 years, the loan guarantee fees for one year, 1.4% of the loan amount, loan guarantee costs 1.6%; two years, 1.8% of the loan amount - 2%; loan guarantee fee for three years, 2.5% of the loan amount. The owner of choice for the majority of three years of the loan period at the present stage of the loan to buy a car.

-- the matters needing attention

-- in addition to the necessary data, there are some problems need attention: if the customer's account is not in the city, to the police station out to prove temporary; for there was no real customers, need a real people do guarantee; copy of the mortgage to buy a house purchase contract and loan customers to provide a passbook; real estate property card is dealt with in the customer, it is required by the relevant certificate issued by the Real Estate Company.

-- in addition, if customers can produce certificates, certificates of deposit, water and electrical payment vouchers, loan applications can more easily through the.

-- loan purchase a car is also involved in auto insurance. At present, automobile insurance categories, only the third party liability insurance is a compulsory insurance. But if the Guarantee Corporation mortgage to buy a car, in addition to buy the third party liability insurance, also need to buy the whole vehicle pilfer, Che Sunxian and non deductible special risks.

The calculation function in accordance with the provisions of relevant state laws and Chinese loan, guarantee people's Bank "auto loan management approach" and set. among loans interest rates over the same period the current bank Chinese people in accordance with the provisions of the loan interest rate. In actual operation, because the business car consumption loans dealers and commercial banks, lending rates may be legitimate in the interest rate stipulated by the people's Bank of China based on floating (about 10%~20%), the specific operation procedure and guarantee insurance will vary. Vehicle license fees according to the provisions of payment of city, so the calculation results for users reference.
Using the calculation function only in the "cash purchase a car price" column to fill in the amount, and the corresponding selection according to the repayment period, click the "calculate". In addition "notary fees", "parking fees" to fill in.

Payment options amount remark
Cash purchase a car prices (unit: yuan)
The total cost of the loan purchase a car loans car = the first payment and monthly payment * loan period
The down payment of a total payment amount = first payment + insurance + license fee
The first payment payment = cash purchase a car price x 30%
Loan amount loan amount = cash purchase a car price - the first payment

Monthly payment repayment period of 6 months
Year
A year and a half
Two years
Three years
Vehicle insurance premium car caustic danger 240 + new car to purchase price × 1.2%
The third party liability insurance
Limit of 50000
Limit of 100000 limit of 50000 pay 1040, limit of 100000 pay 1300
Whole vehicle pilfer car purchase price x 1.1%
Non deductible special risks loss of vehicle insurance and third party insurance costs and 20%
Credit insurance premiums for 6 months
Year
A year and a half
Two years
Two and a half years
Three years of credit insurance premium = less car * (6 months in a year: 0.6%: 1%: 1.5% in a year and a half to two years: 2%, two and a half years: 2.5% to three years: 3%)
Guarantee fees for one year
Two years
Three years of the guarantee fee = loan amount x (year two years: 1%: 2%: 3% three years)
Purchase a car payment * 10% surcharge
Notary fees 100-300 yuan
Vehicle and vessel usage tax, travel tax for 200 yuan a year
Maintenance car every months 110 yuan, 1320 yuan a year
Licensing fees for ordinary card 154 yuan for vehicle camera two (front side of a total of 20 yuan)
Examination fee 63 yuan

What is the automobile consumption credit?

That is to apply for the purchase of cars the borrower RMB secured loans, banks and car dealers to purchase a car required a one-time payment of the car of funds to provide loan guarantees, and insurance companies to provide the corresponding credit insurance to purchase a car.

How to purchase a car loan interest calculation?

With the initial loans as the base, according to the contract when the bank loan rates, the repayment period such as bank interest rates change, with the interest rate adjustment, a year.

How to calculate the monthly repayment loan purchase a car? Auto dealers generally using monthly matching repayment method, calculation formula is:

The monthly repayment amount = loan principal * monthly interest rate and loan principal * monthly interest rate, loan purchase a car loan period?

In a month for a period, the current loan purchase a car for the longest period of not more than 60 period (5 years), but should be determined according to the user and models and use. If the purchase of vehicles used for business purposes in car rental, car rental, generally the longest period of not more than 36 period (3 years).

Loans to purchase a car whether early repayment?

Can, in the payment period such as user the remaining cars ahead of a lump sum can be. But should notice the loan to the bank in advance, self paid month next month interest rates no longer charge.

Loans to purchase a car during the bank lending rates is what?

The contract when the bank loan rate. Interest rates over the same period refers to the same period of the loan interest rate.

Loans to purchase a car during such as how to do the similar models of price adjustment?

In the payment period in the case of the purchased vehicle price adjustment, whether up or down, will not affect the original price, the customer still according to purchase a car when the original contract price standard payment.

Loans to purchase a car need to pay what cost?

One, the insurance cost

1, the vehicle damage insurance:

Six the following passenger car = amount * 1.2% + 240 yuan

Six the following passenger car = amount * 1.2% + 600 yuan

2, the third party liability insurance:

Six the following passenger cars: the 50000 to 936 yuan, and 100000 over 1170 yuan.

Six above passenger car: the 50000 to 1053 yuan, and 100000 over 1314 yuan.

3, the pilfer:

Six the following passenger rate was 1%; the rate of 0.8% for six seats or more passenger.

Santana series models rate is 1.1%.

Formula: should pay the premium = amount * premium rate

4, non deductible insurance:

(car damage insurance premium + Third) * 20%

5, credit insurance: the loan amount for the base, according to age count:

A term of 1% years until five year period 2.2%.

Two, security costs

The loan amount for the base, according to age count

A term of 1% years until five year period 3.5%

Three, the bank loan interest rate (announced in 2002 the people's Bank of Chinese)

1-12 months at an annual interest rate of 4.78% a month 0.44%24 months at an annual interest rate of 4.94% monthly interest 0.4575%

13-36 months at an annual interest rate of 4.941% a month 0.4575%37-48 months at an annual interest rate of 5.022% a month 0.465%49-60 months at an annual interest rate of 5.002% monthly interest 0.465%

Four, vehicle purchase tax (before the implementation of the new regulations)

Tax (car) = cars (including tax) / 1.17 × 10%

Five, the vehicle license fee

Vehicle licensing examination fees ranging from 300-500 yuan

Six, the use of tax of about 200 yuan / year, road maintenance fees (5 cars) 1320 yuan / year