The car loan passed the preliminary examination. Will it be censored?

The car loan has passed the first instance, so how long will it take to get the final result?

How long does it take for the car loan to pass the preliminary examination and wait for the audit?

After the car loan is passed in the first instance, it will enter the review process immediately, without waiting too long. After the audit department sorts out the information, it will submit it to the superior for review.

If it is fast, the first trial will be completed on the same day, and the review can be carried out on the same day. Of course, sometimes the audit may be delayed, so customers can only wait patiently, and it may take several days to start the audit.

It usually takes about one to two weeks from the time when a customer submits an application for a car loan, to the time when the loan handling bank (auto consumption finance company) receives the customer's application for review, and then the final approval result comes out.

The car loan passed the preliminary examination and was rejected in the final examination?

The car loan approval process is divided into two steps: first, the personal loan information is preliminarily reviewed, and then the final review is conducted by telephone return visit or on-site follow-up interview.

Generally, as long as it is passed in the first instance, the final pass rate is very high, but it does not mean that the final approval can be passed. If the first trial is rejected, it is often because the bank found that there is something wrong with the applicant's information or credit when reviewing the information or calling back later, so it rejected the car loan application.

In order to improve the passing rate of the final audit, on the one hand, it is necessary to provide comprehensive and true personal identity data, information and asset proof; On the other hand, when you receive a call from the bank, don't panic, answer all kinds of questions raised by the customer service staff truthfully, and remember to match the ID card and information provided by the individual. Once there is any discrepancy, the customer service staff will think that the information is untrue, which will affect the passage of the loan.

In addition, the operation of car loan has three basic principles, namely, safety, liquidity and efficiency. It is generally understood that when the borrower applies for a vehicle loan to meet the safety of the loan, the borrower has the actual repayment ability, and the amount of the loan applied can provide the bank with interest income for continuous operation, there will be no problem in passing the loan.

After the first trial, the probability of rejecting the retrial

After the first trial, the probability of rejection is generally low.

The preliminary examination shows that the applicant's preliminary conditions have met the requirements of the platform. However, the probability of being rejected in the second interview ultimately depends on whether the first trial is strict and closely related. The stricter the preliminary examination, the lower the probability of rejection; On the other hand, the looser the preliminary examination, the higher the probability that the retrial will be rejected.

Users need to fill in relevant information when applying for loan products, and financial institutions and loan platforms will evaluate the applicants according to their actual conditions, and refuse to make the next payment for users who do not meet the application conditions; Eligible users will be given a certain amount according to the actual situation.

Interim Measures for the Administration of Personal Loans Article 11 An application for personal loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

The car loan passed the preliminary examination, and the final examination was ok?

The car loan approval process is divided into two steps: first, the personal loan information is preliminarily reviewed, and then the final review is conducted by telephone return visit or on-site follow-up interview. Generally, as long as it is passed in the first instance, the final pass rate is very high, but it does not mean that the final approval can be passed. If the first trial is rejected, it is often because the bank found that there is something wrong with the applicant's information or credit when reviewing the information or calling back later, so it rejected the car loan application.

The loan approver shall sign the approval opinions according to the review, and explain the reasons for refusing the loan if there is any objection; Where supplementary materials are needed before examination and approval, the name and contents of the supplementary materials shall be specified in detail; For the same or conditional loans, clear adjustment opinions should be put forward. After the loan approver signs the approval opinions, he shall return the approval form together with relevant materials to the business department. The loan approver should review the following contents: whether the loan applicant meets the loan conditions and has the repayment ability; Whether the loan purpose is in compliance; The completeness, validity and legality of the information provided by the borrower; Whether the amount and duration of the loan application comply with the relevant loan measures and regulations; The investigation opinions of the investigators before the loan, the evaluation and analysis of the borrower's credit status and whether the loan suggestions put forward are accurate and reasonable; Examining and approving whether the main risk points of loans and their risk anti-counterfeiting measures are compliant and effective; Other matters that need to be reviewed.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. The "three principles" of loans refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Commercial banks take safety, liquidity and efficiency as their operating principles, and the primary problems faced by commercial banks are self-management, self-risk, self-financing and self-disciplined loan security. Liquidity refers to the ability to recover the loan according to the predetermined time limit or realize it quickly without loss to meet the needs of customers to withdraw deposits at any time; Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

The loan to buy a car passed the preliminary examination of General Finance. Will it be rejected after the review?

This is possible because there will be a final review later. Generally, the first trial is about big data and credit reporting, which are the basic conditions for loan access, so don't worry about your overdue credit reporting. As long as it is within the controllable range, there should be no major problems in credit reporting.

Please note, however, that your short message contains the warmth of answering landline calls, which is what we often call telephone audit. Telephone audit will generally ask about your work income, so you must remember the information when filling out the form to avoid answering wrong.

First,? Bank car loan

No matter what brand or model the lender wants to buy, he can apply for a bank car loan, and the repayment method is more flexible. For specific application conditions and procedures, you can consult the bank that wants to apply for a loan. It is understood that the bank's car loan down payment is generally 30% or 50%.

Second,? Auto finance company loan

To apply for a loan from an auto financing company, the lender generally needs to provide copies of ID card, household registration book, marriage certificate, real estate license, residence certificate and income certificate. Auto financing companies usually do not need local accounts or guarantees for loans. Generally speaking, they can handle it in 4S stores. As mentioned earlier, the down payment for car loans of banks is generally 30% or 50%, and auto financing companies may be slightly lower, and some are 20%.

Third,? Buy a car by installment with a credit card

Different from bank auto loans and auto financing company loans, this method needs to pay interest, and there is no interest on buying a car with a credit card, but the lender needs to pay a certain installment fee. However, not all models of cars can be loaned in this way, and lenders can only choose several models that banks and car companies cooperate with.

Fourth,? Internet credit products

If the car amount is similar, such as the total car amount 1.5 million yuan, the difference is only 20,000 yuan, and you don't want to apply for car loan or car purchase by stages, then you can also choose to apply for formal internet credit products, such as borrowing treasure, micro-loan, and spending money on wealth management.

Borrowing is a personal consumption loan in Alipay, which can be used for personal daily consumption, decoration, tourism, medical care and so on. You can directly search for loans in Alipay, and after entering the page, you can try to open and check your own quota.