Second-hand car loan, that is, second-hand car mortgage loan, refers to a loan issued by a commercial bank to individual borrowers to purchase and consume second-hand cars, and the purchased vehicles are used as collateral and mortgage for the loan. Although car loans have entered people's lives for a long time, for a long time, most of them are new car business, and rarely involve second-hand car loan business. With the deepening of people's values on used cars, some consumers began to choose loans to buy used cars. Therefore, the application conditions and procedures for second-hand car loans are particularly important.

First, the dealer consults about the loan.

When choosing your favorite car, you need to consult the car dealer first to determine the model and total amount of the car. In this way, we have a detailed understanding of the selected models, whether it is price, performance or after-sales service after buying a car, and we have a good idea after communicating with the car salesman.

Second, review the loan to buy a car information

Then it is necessary to submit the materials for applying for a loan to buy a car to the dealer for preliminary examination, including filling in bank loan materials such as application forms and contracts for automobile consumption loans, providing credit certificates such as ID cards, household registration books, income certificates, real estate licenses and marriage certificates of borrowers and spouses, and signing loan contracts and related documents by borrowers and spouses. This is to let banks, insurance companies and car dealers know about your situation. As long as the situation meets the loan conditions, the loan business can be handled smoothly.

Third, pay the down payment and sign a car purchase contract.

Pay the corresponding down payment according to the selected model, generally 20% of the total car price (some dealers will have zero down payment models). Then sign a car purchase contract with the dealer, and the insurance company will handle the corresponding auto insurance.

Four. Bank acceptance and audit

Submit the dealer information and the car purchase contract to the bank, and the bank will conduct a pre-loan investigation. When all this is done, the bank will decide to lend.

Verb (abbreviation of verb) The dealer delivers the vehicle.

After the bank lends money to the car dealer, the car dealer handles the intermediate procedures such as getting into the car, registration and auto insurance, and delivers the car to the buyer at the agreed time. At this point, the whole process of buying a car with consumer loans has been completed.

2. What are the procedures for second-hand car loans?

The materials to be prepared for applying for a loan include: the identity card of the car buyer; Household registration book; Housing certificate; Proof of income: the monthly income must be twice the monthly repayment amount; Two recent one-inch photos. If the buyer is married, marriage certificate and spouse certificate are required.

1. Car buyers go to the bank's business outlets for consultation, and the outlets recommend special dealers who have signed the Cooperation Agreement on Used Car Consumption Loan with the bank.

2. Go to the dealer to select the second-hand car to be purchased, and sign a car purchase agreement with the dealer to clarify the model, quantity and color.

3. Apply for a loan at a bank outlet. The necessary materials for applying for a loan at a bank outlet include: personal loan application, valid identity documents, proof of occupation and income, basic family information, car purchase agreement, supporting documents required for guarantee, and other conditions stipulated by the lender.

4. The bank shall review the user's credit, notify the car buyer within fifteen working days after accepting the loan application, and sign a loan contract for second-hand car consumption with the borrower who meets the loan conditions. The maximum loan amount for second-hand car consumption does not exceed 60%~80% of the car purchase price (different banks), and the longest loan period does not exceed three to five years (different banks, taking Beijing as an example, must make a down payment of 50% for second-hand car loans, and the longest loan period is three years).

1. The operating company fills in the Inquiry Form of Motor Vehicle Theft and Robbery, sends the vehicle to the vehicle inspection station in the market, checks the steel grades of the vehicle engine and frame, and tests the performance and emission status of the vehicle, which is signed and sealed by the resident police;

2. The operating company fills in the Power of Attorney for Appraisal and Evaluation, and submits it to the on-site vehicle appraisal and evaluation station for appraisal and evaluation, and issues appraisal and evaluation conclusions;

3. The market identification department conducts a comprehensive review of the third part of the appraisal conclusion, the fourth part of the vehicle inspection form (excluding private motorcycles), the old motor vehicle sales contract, the transaction invoice issued by the operating company and other required materials, and issues the "Shanghai Used Motor Vehicle Trading Market Circulation Certificate", which is uniformly registered;

4, by the operating company unified settlement to the market charge office;

5. On-site industrial and commercial personnel shall verify the materials required for the transaction, and affix the industrial and commercial verification seal on the circulation voucher, transaction invoice and transfer approval form respectively;

6. The personnel of the market accreditation department shall go to the resident institution of the public security vehicle management office to handle the transfer procedures of vehicle files and certificates.

3. What are the procedures for buying a used car with a loan?

First, loan qualification requirements;

1 port, ID card and fixed line.

2. Age requirements: Generally, citizens aged 20 to 60.

3, income requirements: have a stable job and a stable income, so as to ensure the ability to repay the principal and interest of the car on time.

4. Loan information: car buyer's ID card and household registration book.

5. Housing certificate: proof of income, the monthly income must be twice the monthly repayment.

6, two one-inch recent photos, if the car buyer is married, but also a marriage certificate and spouse certificate.

Second, the loan procedures;

1, and relevant materials are submitted to the brokerage company for preliminary examination;

Step 2 pay a down payment

3. Select the vehicle type;

4. Sign a car purchase agreement with the dealer.

5. Acceptance and approval of banks;

6. Vehicle-related procedures and vehicle delivery;

three

1, the first phase k of the car price j;

reach

3. Auto insurance fee;

4. Handling fees for deposits, credits and guarantees.

Fourth, the process of buying a car with a used car loan?

The second-hand car loan process is as follows:

1. Apply for a loan

When consumers decide to buy a car, they first need to go to the bank outlets for consultation. The special dealers recommended by the consultation outlets buy the models and the total amount of the car, fill in the materials for applying for a loan to buy a car and submit them to the dealers for preliminary examination, including loan contracts such as bank loan materials and automobile consumption loan application forms.

2. Pay the down payment and sign a car purchase contract.

The bank shall, within fifteen working days after accepting the loan application, notify the car buyers who meet the loan conditions to sign the second-hand car consumption loan contract. After the borrower pays the down payment, he signs a car purchase contract with the dealer, and the insurance company handles the corresponding auto insurance.

3. Loans will be issued after bank review.

After receiving the loan notice 15 days, the special dealer will hand over the customer's car purchase invoice, payment document and driving license (copy) to the bank. The bank issues loans to borrowers after customers have gone through the formalities of property insurance.

4. The dealer delivers the vehicle.

After the bank lends money to the car dealer, the car dealer will go through the intermediate procedures such as vehicle entering the factory, licensing and auto insurance, and deliver the car to the buyer at the agreed time.

Extended data:

Conditions for handling the transfer of used cars:

There are legal sources and procedures, no records of bank pledge and seizure, no records of traffic violations and accidents not handled, no records of arrears, and complete certificates.

Materials and certificates required for the transfer of used cars:

New owner's ID card, original/copy of vehicle driving license, motor vehicle registration certificate, motor vehicle inspection form and invoice. All of the above are required to provide the original. The specific required materials are mainly provided by the vehicle management office.