Was the second-hand car mortgage successful after the first trial?

1. Is the second-hand car mortgage successful after the first trial?

Looks like I called you after I passed the preliminary examination. Basically, I passed it all. I'm just calling to get some information, just based on the information you submitted.

Did the car loan pass the preliminary examination?

1. Generally, the final approval rate is over 90%, and the final loan is over 99%.

1. Generally, the loan will be successful as long as the bank calls to inform that it has passed the preliminary examination. After the car is picked up and paid, the bank can lend to the 4S shop.

2. The "three principles" of car loan refer to safety, liquidity and efficiency, and are the fundamental principles of loan operation of commercial banks. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves in accordance with the principles of safety, liquidity and efficiency."

1) loan security is the primary problem faced by commercial banks;

2) Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3) 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.

2. Generally, the bank that passed the preliminary examination refers to the bank staff who found out after finishing the information you provided:

1) Not bad.

2) It can be submitted for further approval, but it does not mean that it is finally approved. Even if the final approval is passed, it does not mean that the loan has been successfully handled, and the successful handling is marked by the final issuance of the loan. Submitting information after the preliminary examination of car loan is business acceptance, and telephone return visit is background pre-loan investigation, which are both necessary workflows for handling business. The general steps of buying a car with a loan are as follows: book a car first; Handling loan procedures in 4S shop: including providing information, signing loan details and calling back; Waiting for the loan agreement of the bank to give this loan to the 4S shop; After obtaining the consent form, the general 4S shop will inform the customer to pay the down payment; The customer picks up the car and gets the card; After the card is completed, the information is mortgaged to the bank; A few days after the mortgage (usually according to the bank's audit), the money will be paid to the 4S store.

Second, is the second-hand car loan the same day?

The vehicle loan will not be issued on the day the user applies. Users need to wait for the approval of the bank after submitting the loan application. After the approval, the bank will contact the user to go to the bank to sign the loan agreement, and then immediately lend money to the designated account. Usually, the bank audit takes 5 days, and the loan will be released immediately after signing the contract, usually on the same day. After the car loan is approved, it may not be released on the same day, because the bank needs to inform the customer after the approval result comes out. If it is approved, it is necessary to sign a loan contract with the customer and go through the formalities of insurance and vehicle mortgage registration. The bank will only lend money after the customer signs the contract and completes the relevant procedures. Therefore, it may take several days from car loan approval to bank loan. If it is short, it may take three or five days; If it is long, it will be more than a week. Of course, there are some efficient ones, which may be approved on the same day, and they can sign the contract and go through the formalities on the same day, and they can lend money on the same day. In short, customers just follow the bank's procedures. When the loan arrives, the bank will generally send a text message to inform the customer. When the customer received the SMS notification, the car loan funds he applied for had already arrived on his behalf. The loan funds will be used to pay the remaining balance of the car to the dealer, and then the customer can repay the car on time according to the agreed repayment plan. The vehicle loan will not be issued on the day the user applies. Users need to wait for the approval of the bank after submitting the loan application. After the approval, the bank will contact the user to go to the bank to sign the loan agreement, and then immediately lend money to the designated account. Usually, the bank audit takes 5 days, and the loan will be released immediately after signing the contract, usually on the same day. The reason why the car loan is not approved is that the company does not transfer money on holidays: because banks do not handle company business on holidays, financial institutions generally do not lend money on holidays; The loan institutions are short of funds: it may be that the loan institutions have no money to lend due to the sharp increase in business, which will also lead to the phenomenon that the loan audit results have been loaned but not yet received; Second audit failed: generally, the second audit will be conducted after the first audit. If the audit result is found to be wrong or a large amount of debt is increased, it may lead to the failure of the second audit, thus affecting the loan; In addition to the above reasons, it is not excluded that there are other reasons that lead to the inability to borrow money. In this case, it is suggested that the owner can consult the relevant personnel first to find out what causes the loan to be unavailable.

3. What does it mean that the car loan has been approved at the initial stage?

Hello! This means that your loan is successful.

I want to buy a used car, but can I mortgage that car after the mortgage date?

Under normal circumstances, some banks within three years have failed to start second-hand car mortgage business considering the risk of second-hand car mortgage, and some banks are not harsh on borrowers' application conditions. In addition, the second-hand car mortgage has all requirements for the mortgage price of the vehicle. If the amount is too low, it will generally not be approved, so consumers need to know the mortgage situation of used cars clearly at the lender.