How long does it take for a bank loan to buy a car? How long will it take for ordinary banks to pass the examination and approval?

How long does it usually take to approve a car loan?

Car loans can generally be approved in about 7 working days. If you choose the manufacturer's finance when buying a car, the audit speed will be faster, and it will usually be completed on the same day.

Car loans are generally easier to pass than other loans, because the loan amount of car loans is relatively lower than other loans (housing loans), and people with fixed jobs and incomes can generally afford it, unless you are too capricious when choosing a car, which is beyond your tolerance.

But the audit speed will also be affected by many factors. For example, if the information you provide is incorrect, it will delay a lot of time. Secondly, Bank of China will call you to pay a return visit to the car loan. If there are mistakes in the return visit, it will also affect the approval speed and even the audit results.

If the car loan bank does not approve it, it may be caused by several reasons.

1. The loan amount is too large, and the bank thinks you can't repay it.

2. Poor credit information. If you have ever defaulted on your credit card for more than two times in five years, the bank has a good chance to refuse your loan.

3. The spouse's credit information is poor, and the credit information of the married spouse is also one of the factors considered by the bank.

4. There are too many debts. If you owe too much, the bank may refuse your loan, and even if you don't refuse, it may reduce the loan amount.

Monthly repayment accounts for more than 50% of your monthly income.

When buying a car, you must first understand the relevant car loan policy in advance. If the car loan fails unfortunately, you should reflect on your possible problems. If the bank loan is not enough, you can also choose car dealer finance or car loan company. The repayment mechanism of car loan companies is more flexible than that of banks, but the rate will increase accordingly.

Supplementary knowledge about buying a car with a loan;

First, the process of applying for a loan to buy a car:

1. The borrower submits the loan application materials to the bank;

2. The bank conducts a preliminary examination of the application materials submitted by the borrower;

3. The bank conducts credit investigation and customer evaluation on the borrower;

4. The bank examines and approves the loan application that meets the loan conditions through preliminary examination and credit investigation;

5. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower;

6. After the loan contract comes into effect, the handling bank will issue loans. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.

Two, the basic conditions for applying for automobile mortgage are as follows:

1./kloc-citizens over 0/8 years old with full capacity for civil conduct.

2. Have legal identity documents, local permanent residence or valid residence certificates.

3 loan individuals should have stable professional and economic income or assets that are easy to realize, enough to repay the loan principal and interest on schedule.

4. The lender's own funds are sufficient to pay the down payment for car purchase stipulated by the Construction Bank.

5. The lender must provide a guarantee recognized by the bank.

6. The lender is willing to accept other conditions deemed necessary by the bank.

How long does it take for the car loan bank to lend money?

Car loans generally take about 5 working days. Lending process after approval of auto loan application:

1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time.

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate.

3. issue loans. The loan approved by the bank will be directly transferred to the car dealer's account by transfer according to the contract after all formalities are completed.

4. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.

5. loan settlement. Loan settlement includes normal settlement and early settlement.

① Normal settlement: the loan shall be settled on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment repayment).

② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.

How long does it take to buy a car with a loan?

It usually takes half a month to buy a car with a loan.

After the approval, the customer also needs to sign a loan contract at the business outlet of the bank (auto consumption finance company) within the agreed time, handle the mortgage and other related procedures, and then enter the lending process. It usually takes three to seven working days from car loan approval to loan release.

If the car loan approval result is delayed or the loan is delayed after the car loan approval, the customer can take the initiative to call the handling bank (auto consumption finance company) to consult the customer service.

Loan car purchase process

1. First, find financial institutions willing to provide loans. Many brands of cars have their own financial companies, and if there is no dealer, they will recommend them.

2. Find the financial institution that provides the loan, and then prepare the financial proof materials, including: real estate license, work certificate, social security certificate, household registration book, ID card, personal credit certificate issued by the People's Bank of China, and personal account of the bank in the last three months.

3. The whole loan approval process takes about 15 working days. Some vehicles need to pay part of the down payment, so you need to prepare some cash.

Now the price of vehicles is relatively cheap, and many people have little pressure to borrow money to buy cars, so it is very common to handle them, so it takes a short time. However, for those who are not clear, you should carefully look at the content of this article to be more clear. Please consult a professional lawyer if you have any other questions.

How long does the car loan last?

Question 1: It's too easy for you to get a car loan for a few days. The finance of the 4s shop is still directly borrowed from the bank. Every bank is different. Do you need notarization and mortgage? No matter where the loan is made, it is basically 34 days, so it will be fine. All of the above are your qualifications.

Question 2: How long does it take to buy a car with a loan? First of all, approval: as long as your information is complete and meets the basic approval conditions of China Bank, approval can be completed within 3 working days.

Let's talk about loans first: At present, there are two forms of BOC car loans, one is ordinary consumer loans, and the other is card installment. If it is a card installment, it generally does not occupy the quota of the branch, which is about three working days, but personal consumption loans are not necessarily. This depends on whether the bank has a quota. If there is, the loan can be released the next day after approval. If not, we will have to wait for the quota. This year, the credit policy is tight and lending is generally slow!

Question 3: CCB car loan usually takes 3-5 working days, but it may be a little tight at the end of the year. I suggest the landlord can wait patiently for a few days. If the bank approves the quota for you, it will inform you by SMS and tell you that the special installment quota has been adjusted. Then you can swipe your card at the 4S store to get the car.

Question 4: How long can a car loan bank get a good loan? If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures;

If so, there is no need to sign such a contract. Finally, the bank issues loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.

Question 5: How many days does it take for ICBC to apply for a car loan? Hello, the bank doesn't lend money on Saturday. How can I put it? It is very inefficient to use only the bank where you apply for a car loan. The application has passed-your car loan contract is ready, your card has been processed, your car has been licensed-your car has been registered in the bank mortgage. After staying in China for three days, the bank still didn't lend money, which was really inefficient. You can rush them.

For example, we handle car loans in Quzhou, and we are also ICBC. We all lend money within 2 days after mortgage, sometimes in the morning and afternoon.

You have to wait for Monday now, and the loan department of ICBC will not go to work on weekends, hehe.

Question 6: When is the loan date of CCB car loan? The basic process of applying for car purchase by installment with Longka credit card is:

(1) The customer first selects a car at the dealer and tests it, and negotiates with the dealer to determine the purchase price;

(2) Show your credit card and ID card, and fill in the installment payment application form;

(3) Distributor submits customer application materials to CCB;

(4) After the application is approved, the customer pays the down payment to the dealer and goes through the relevant formalities;

⑤ After receiving the dealer's notice to pick up the car, pay the final payment by credit card and pick up the car;

⑥ Repay by monthly installments through Longka credit card.

After submitting the information, you need some time to pay the down payment. After the down payment is completed, it will take some time for the credit card exclusive quota to arrive. As far as I know, it will take about two weeks. Because there are many loans to buy a car now, the bank's monthly loan amount is not enough, so the loan time will be slightly two days later. If the exclusive quota is in place, I will inform you by SMS. After receiving the text message, you can take your credit card to the 4S store and swipe your card to take the car home.

Question 7: What is the process of car loan for several days? Solve the problem of bank car loan. The audit procedures for bank car loans and credit cards by stages are relatively complicated, which generally takes five working days or a week, and the requirements for the lender's occupation, income and credit are relatively high.

Loan car purchase process;

Consultation → Deciding to buy → Preparing materials, filling out forms → Submitting materials → Preliminary examination → Submitting to the bank for approval → Paying down payment → Selecting a car → Signing a car purchase contract → Picking up the car → Handling relevant formalities → Driving home → Repaying monthly.

Question 8: How long does it take for CCB to issue car loans? Generally speaking, it takes about 1~2 working days for users with cards to reply.

It takes a little longer to get a card. If the materials are complete, it will take 5-7 working days to reply, but it will be needed when the card arrives. The loan amount will be used when it is finally repaid by credit card, so it will take about 65,438+00 days in the end. Of course, it depends on whether there is a car. )

But now that CCB has an accident, it is temporarily unable to get the loan (the specific recovery time is uncertain, that is, when you can get on the bus is uncertain), so consider other financial institutions.

Question 9: How many days does ICBC usually lend car loans? After a week's review, it was approved, and the money was released after the green capital was pressed.

Question 10: How long does it take to buy a car with a bank loan? If you want to apply for a car loan, the premise is that you must pay the down payment first, so the situation you are talking about is not a problem, and the 4S shop will not give you a chance, so wait until the down payment and the upfront car purchase expenses are collected.

How long does it take to approve the auto bank loan?

It takes about 15 working days to approve the car loan at the bank. The reasons are as follows: 1. Because it involves evaluation, mortgage registration and other links, the situation of each customer will be different; 2. The specific lending time, review and processing progress of the loan can be directly confirmed by contacting the handling outlets or loan account managers; 3. The borrower must be at least eighteen years old and a citizen with full capacity for civil conduct.