There is no need to sign a sales contract for car mortgage loans. If a sales contract is signed, the property right will be transferred. At present, there are two kinds of automobile mortgage contracts in the market: one is a loan contract signed by a bank and a company, and the other is a lease contract of an automobile financing leasing company. Auto financing leasing company is a financing channel approved by national financial institutions, and it is a way to sign a contract to solve the capital demand by means of sale and leaseback. However, vehicles need to go to the vehicle management office for mortgage procedures. Once the contract is terminated or terminated in advance, it is understood that the delayed vehicle is still owned by the owner himself. At present, a licensed enterprise similar to Shanghai Anmeitu Automobile Finance Leasing Company in the automobile mortgage market has its unique advantages in the automobile industry, such as specialty, convenient operation and fast loan, and is favored by car owners who urgently need to use cars to solve problems. Need money badly? Find a safe way! You can get a loan if you have a car!
Want to know more about car mortgage, it is recommended to consult Anmeitu car loan. You should choose a regular company for car loan. Anmeitu is headquartered in Shanghai, backed by the strong financial strength of Anmeitu Group, and you can borrow if you have a car. It is a professional one-on-one service with reasonable and transparent fees and clearly marked prices. Relieved and reliable, the mortgaged vehicle is stored in an all-weather safe closed room. You can do it without a car, and you can manage it if you get the money. Generally, loans can be made on the same day. The maximum loan amount is 8- 10%.
Is the loan to buy a car a financial lease contract?
Buying a car by loan is not necessarily a financial lease contract, but also a mortgage contract. The party asking for a loan to buy a car should verify it according to the actual situation.
I gave the car loan not to the bank installment contract, but to the lease contract.
1, indicating that the other party purchased the car by rent, and the car is likely to be in the company's account, and it will be transferred after you pay back the money for 3 years. The first transfer requires the cooperation of the other party, which may not be smooth, and the second transfer becomes a used car. You can terminate the transaction without signing a contract.
2. Car loan is not a lease contract. First of all, it should be clear that the car loan contract and the lease contract are not the same contract. The lease contract is that the lessor rents the goods to the lessee for use. In this process, the lessee should have the right to use the goods rather than the ownership. A car loan contract is a document that proves that you have a loan relationship with a lending institution.
3. When we make a loan, we should be careful that the loan contract becomes a lease contract. Generally speaking, when we go to the bank for a loan, we all sign a loan contract. There is no lease relationship between you and the bank. If you encounter such a contract, you must not sign it. It may be a staff mistake.
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First, when signing a loan contract, we should pay attention to the following points:
1. Check the loan contents (including loan amount, currency, interest rate, number of installments, repayment method, etc.) for errors. ).
2. Check the bank information and loan payment method.
3. After signing the contract, the bank will hold the contract with you. Sometimes, the bank may not give you the contract, so we must ask the staff to get it.
4. Don't sign a blank contract.
Second, financing lease to buy a car
To put it bluntly, it is actually "purchasing by rent and paying by installment" to buy a car. At present, the mode of "13" is usually adopted to buy a car through financial leasing. Consumers rent a car with low down payment 1 year, during which the ownership of the car belongs to the car sales platform. After 1 year, users can choose to pay in one lump sum, or apply for up to 36 installments, or return the car, or continue to lease it.
Third, there are some differences between buying a car by financial leasing and buying a car by loan.
The biggest advantage of financial leasing to buy a car is that the down payment is low and the business itself is legal and compliant. However, in practice, it often happens that dealers fail to explain the nature of their business to consumers, and even refer to "financial leasing" as "loan to buy a car" in some cases, which is misleading to consumers and the source of disputes and contradictions.
Do you still need a contract to buy a car loan?
Need.
information needed
1, personal loan application;
2. Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;
3. Household registration certificate or long-term residence certificate;
4, personal income certificate, provide proof of family income or property when necessary;
5. Certificate of intention to buy a car issued by the car dealer;
6. Loan to buy a car down payment certificate;
7. If the purchased vehicle is secured by other means other than mortgage, the relevant materials of the guarantee shall be provided, including the pledge certificate, the ownership certificate and evaluation certificate of the mortgaged real estate, and the letter of intent for third-party guarantee, etc.
8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the vehicle's affiliation agreement and lease agreement with the transport fleet;
9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by the Construction Bank; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.
Extended data:
Loan buyers must also meet the following conditions:
(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.
(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.
(3) During the loan application period, the car buyer shall deposit no less than the down payment stipulated by the bank in the account of the bank savings counter.
(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.
(5) Car buyers are willing to accept other conditions deemed necessary by the bank.
If the applicant is an enterprise or institution with legal personality, it shall meet the following conditions:
(1) has the ability to repay bank loans;
(2) During the loan application period, there is no less than the down payment for car purchase stipulated by the bank and deposited in the accounting department of the bank;
(3) Providing recognized guarantees to banks;
(4) Willing to accept other necessary conditions proposed by the bank.
The special dealer referred to in the loan refers to the automobile dealer who is selected by the branches at all levels of the bank according to the financial strength, market share, credibility and other factors of the dealer, and then reported to the head office, and signed an automobile consumption loan cooperation agreement with each branch after confirmation by the head office.
Loan to buy a car mode and specific process
1, choose the mode of buying a car by loan.
Mode 1: the customer directly applies for a loan to buy a car at a bank outlet. After the guarantee procedures are implemented, customers can choose dealers to buy cars they are satisfied with.
Mode 2: buy a car in a 4S shop that cooperates with the bank, sign a car purchase contract or agreement with the dealer, and then apply for a loan from the bank through the 4S shop.
Mode 3: apply for unsecured personal credit loan, and the bank directly lends full amount to the 4S shop to buy a car. Choosing a loan to buy a car carefully is the most important step in the process of buying a car with a loan.
Mode 4: The customer applies for a loan to buy a car through the financial outsourcing website, the financial institution handles the intermediate process, and the bank approves the loan, which is a direct car loan.
2. Banks issue loans.
No matter which mode of bank loan is used to buy a car, the ultimate lender is the bank. In the second mode, money is directly transferred from the bank to the car dealer's account.
Step 3 pick up the car
The borrower pays the car dealer the down payment or the full amount. There are two situations here: Mode 1 and Mode 2. When customers pay the down payment, they need to go through the formalities of picking up the car with the passbook and the car pick-up slip issued by the bank, and give the car a license.
After completing the license, hand over the vehicle production certificate, invoice, insurance policy, driving license, ID card and household registration book to the bank. After the mortgage, the bank will return the driving license and ID card account book.
If you use the model 3 loan to buy a car, the customer only needs to withdraw the loan issued by the bank and go directly to the 4S shop to pick up the car. The driving license and ID card account book after the card is licensed do not need to be mortgaged to the bank.
In addition, when choosing a loan bank, different banks will have different interest rate concessions, loan quotas and repayment periods, and loan applicants can learn directly from the loan pages of major banks they cooperate with.