Car loan process picture

Flowchart of buying a car with provident fund loan

Flowchart of provident fund loan

1. Loan application: Employees apply for loans to the entrusted bank according to different types of houses they buy.

ii. loan acceptance

(1) the provident fund center or the entrusted bank shall conduct a preliminary examination on the authenticity and compliance of the applicant's loan conditions, application materials, application amount and other contents;

(2) If the loan is passed in the first instance, the entrusting bank invites the applicant to conduct an interview to further understand the loan purpose, repayment willingness and repayment ability of the applicant, and establish interview records;

(3) If both the preliminary examination and the interview meet the requirements, the lending bank will accept the loan application.

iii. loan approval

(1) if the employee loan application is accepted by the entrusted bank, the entrusted bank shall submit it to the provident fund center for approval in time.

(2) the provident fund center shall complete the loan approval within 7 working days from the date when the loan is accepted or the materials submitted by the entrusted bank are received. Provident fund portfolio loans need to be approved by the economic commission loan bank for commercial loans.

(3) If the examination and approval cannot be completed within 7 working days due to special circumstances, it may be extended by 5 working days with the approval of the person in charge of the provident fund center, and the provident fund center or the entrusted bank shall inform the applicant of the reasons for the extension.

(4) If the employee loan application is not approved, the provident fund center or the entrusted bank shall inform the applicant of the reasons.

iv. signing the contract

if the employee loan application is approved, the entrusted bank will notify the borrower to go through the signing procedures. The borrower, his spouse, the owner of the house property, the guarantor, the entrusted bank and the provident fund center shall * * sign the Hangzhou Provident Fund Personal Housing Guarantee Loan Contract (hereinafter referred to as the "Guarantee Loan Contract"). The borrower also signs a loan receipt.

v. loan review

the center will review the loan after receiving the mortgage certificate of the house, and the loan conditions are as follows:

(1) For the loan of forward-selling commercial housing (affordable housing), the loan conditions are as follows: the Advance Registration Certificate has been completed and received, and the property it belongs to has been declared to be closed.

(2) in the case of existing commercial housing (affordable housing) loans, the loan conditions are: the Property Ownership Certificate has been completed and taken over, and the property to which it belongs has been declared to be closed.

(3) In the case of other loans such as second-hand houses and housing reform houses, the loan conditions are as follows: the Property Ownership Certificate is completed and collected.

VI. Loan Issuance

The entrusted bank shall issue the loan according to the loan conditions agreed in the Guaranteed Loan Contract after verification, and the loan funds shall be transferred to the account agreed in the contract.

(1) If applying for commercial housing loans (including affordable housing), the loan funds will be directly transferred to the designated special supervision account for pre-sale funds of commercial housing.

(2) When applying for a second-hand housing loan, the loan funds will be transferred to the supervision and payment account of the real estate agency in the entrusted bank in the name of the borrower.

(3) In case of applying for housing reform loans or resettlement housing loans, the loan funds shall be transferred to the borrower's bank deposit account.

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buying a car with a loan from Bank of China?

Bank of China can borrow money to buy a car in the following ways:

First, customers can directly go to the bank to borrow money before buying a car;

second, the customer first looks after the car at the car dealer, and then applies for a car loan through the dealer (what are the procedures for getting a car loan);

thirdly, credit card purchase by installment and so on. However, each loan method has its advantages and disadvantages, so consumers should make choices according to their own actual situation when making choices.

China's new car loan model "Car Loan Link"

"Car Loan Link" is a new car loan model that Bank of China grants credit card with a large amount of special installment quota according to the applicant's credit status to meet the applicant's demand for car purchase. Car loan has the advantages of no minimum repayment amount, that is, the minimum repayment amount, monthly repayment of arrears according to the requirements of credit bills, and no vehicle type restrictions.

Flow chart of China Auto Loan Link: down payment of more than 3% of the car payment → application for Bank of China Auto Loan Link → bank review → vehicle mortgage and credit card installment transaction → car driving home.

Second, the application process of China loan to buy a car:

First, fill in the application form with the bank where you work, and then prepare the second-generation ID card, the front and back copies of the ID card, and the work certificate issued by the company in the past month. The certificate should be embodied in 32313133532363134313323136353333333333333333333333333333933, any document with the borrower's name in the current residence within the last 6 days, and the bank payroll and loan use certificate in my name for the last 6 months. It mainly includes the car purchase contract (the seller's driving license must be provided at the same time for used cars), the real estate license of renovation contract and the renovated real estate, the certificate of studying abroad, the purchase and sale contract of enterprises, etc., and the debit card of Momo Bank and its copy are also required. Finally, submit the application, and then someone will contact

What is the processing flow in automobile mortgage, Taiyuan

Flowchart for automobile mortgage

1. The lending institution receives the information provided by the applicant;

2. conduct home visits, surveys and estimate the value of the vehicle to the applicant;

3. The lending institution preliminarily reserves the loan amount;

4. handle the entrustment notarization and loan notarization;

5. The lending institution accepts the relevant documents of the applicant;

6. Go through the mortgage registration formalities;

7. Lending money.

automobile mortgage service requirements and materials:

1. Have a stable occupation, The applicant has the ownership of the local mortgaged vehicle

2. The business is to live and work in the city for a long time

3. Motor vehicle registration certificate, driving license, purchase of additional tax certificate (original), car purchase invoice

4. Insurance policy, vehicle and vessel tax, tax certificate for imported vehicles

5. ID card (temporary residence permit or residence permit provided by non-local registered customers)

4s shop loan. Then the car price will generally be discounted by another 5, yuan, but at the same time you need to pay a handling fee of about 5, yuan (generally 3% of the loan amount, not 3% of the car price). We must pay attention to this.

once the loan process is decided, it should be indicated on the car booking list that it is a loan to buy a car, and it should be indicated that if the loan application fails, the deposit will be refunded.

the p>4S store will apply to the loan bank after your order takes effect and the deposit is credited. The loan bank will generally check with you on the second working day and ask you to provide some materials, such as ID card and income certificate. These can be sent to them in the form of pictures.

in about 3 working days, this application will be approved, that is, the bank agrees to lend money.

after receiving the phone call from the bank agreeing to lend money, you take the materials (that is, those you sent pictures to the bank) to the lending bank to set up a savings card. This card has two functions. First, you have to transfer money into it to repay the loan. Second, after the bank lends money, it will first put the money into your account and then transfer it to the 4S shop immediately.

after completing the card, go to their credit department and sign a formal loan contract in duplicate. At the same time, they will give you a loan agreement and other banking materials, which are used when you go to the 4S shop to handle the payment procedures.

when waiting for the bus, the 4S shop will inform you that the bus arrives at the shop. You can go to the 4S shop to pay the down payment and inspect the car with your identification and the materials given by the bank. After the car inspection, your car can't be taken away. They will give you a copy of the certificate, and you should check it with the nameplate information on the car.

the p>4S store will give the bank the information of your car and your down payment together, and the bank will lend money within about 3 working days.

after the bank lends money, your mobile phone will receive a message: how much money will be transferred to your bank card, and then how much money will be transferred out of your bank card immediately.

after receiving this message, you should inform the salesperson of the 4S store and ask him to check whether the bank loan has arrived. Generally, it will arrive within half a day, or at the earliest.

after receiving the loan, the 4S shop will inform you to pick up your car. Generally, you can go to the 4s shop to pick up your car the next day.

Extended information:

Precautions for loan to buy a car:

Loan to buy a car requires full insurance. According to the 4S shop, the loan to buy a car is not yours, but the bank's. The bank needs you to keep the car safe and complete before paying off the loan.

it is possible that the p>4S shop will install a GPS positioning device on your car in case you run away, which is not certain.

the 4 s store will urge you to get a license within the time limit, and there will be problems after the time limit.

after getting the license, the copy of the vehicle registration certificate and commercial insurance will be handed over to the bank as collateral by the 4S shop.

some stores will make it mandatory for you to buy insurance in a 4S store during the loan period.

some informal shops are suspicious of interest rates, which must be understood clearly.

4s shop loan car purchase fee

When signing a car purchase contract with 4S shop, please clarify the specific amount of loan fee and service items with 4S shop.

If the 4S store can't write this fee into the contract or issue the corresponding detailed invoice, the consumer has the right to refuse to pay the above fee, and must not rush to buy a car and pay this unclear "wasted money".