Information required for car loan:
① Original ID card, household registration book or other valid residence certificate, and provide its copy;
② proof of occupation and economic income, running list of personal account in the past 6 months;
③ car purchase agreement, contract or letter of intent signed with dealers;
④ other documents required by the cooperative organization.
car loan processing flow:
① First, the lender needs to prepare the ID card, residence certificate, work certificate, loan purpose certificate and other supporting materials, go to the bank once, fill out an application form and a contract.
② Then, wait for the pre-loan qualification investigation and approval of the bank. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill in some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract, a mortgage contract, and go through mortgage registration procedures; If the loan is unsecured, there is no need to sign such a contract.
③ secondly, banks issue loans to lenders. Generally, banks will issue loans within 2 to 3 weeks or 1 month after the approval, and the loan can be issued within 1 day at the earliest.
④ finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up slip issued by the bank.
note: in the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, a copy of household registration book, a copy of marriage certificate, income certificate, bank statement, a copy of real estate license and other procedures.