Procedures Loaners need to submit the material 1. ID card account 2. Loan application 3. Housing proof 4.Proof of personal income
5.Guarantor ID card? All the documents required to be the original and two sets of copies of the loan required conditions 1. Resident resident permanent residence at the place has a fixed address; 2. At least 18 years of age, under the age of 60 ; 3 have a stable income and ability to repay the loan principal and interest, monthly contributions for no more than 60% of the total disposable family; 4 be required by a third party natural person to repay the loan principal and interest to provide security? During the loan period must be a one-time insurance of bank insurers "motor vehiclesConsumer loans
Guarantee Insurance "and continuously insured" Motor Vehicle Insurance "; 6. Have opened" One Card "account; 7. Other conditions stipulated by the Bank. Dealers: Car dealers to consult the car will be submitted to your dealer first instance submitted to the first payment, the selected models, signed a contract for the purchase of vehicles accepted by the bank, approving the insurance procedures for vehicle ownership and delivery vehicle Bank: Apply for the loan procedures, fill in the relevant information Attorneys book home visits, signed the relevant documents approved by the bank to inform you that you can loan to the special dealer car, pay the first payment, handle the relevant proceduresBank loans
, You can go to the dealer to mention the car to the bank to receive loan contracts, loans, car insurance loans and other loans which need to pay what costs First, the cost of insurance 1. Vehicle loss insurance: six bus = insurance amount × 1.2% +240 yuan; More than six bus = insurance amount × 1.2% + 600 yuan. 2. Third party liability insurance: six passenger buses: Paul 50,000 to pay 936 yuan, Paul 100,000 to pay 1170 yuan; more than six bus: Paul pay 50,000 yuan 1053 yuan, Paul 100,000 to pay 1314 yuan. 3. Theft and rescue throughout the year: Six passenger cars below the rate of 1%; more than six buses 0.8%; Santana series model rates 1.1%. The formula is: payable premium = insured amount × rate. 4. Non-exempt insurance: (Vehicle Damage Premium + Third Party Premium) × 20% 5. Credit Insurance: Based on the loan amount, counted according to the number of years: 1% in one year and 2.2% in five years. Second, the guarantee fee? With the loan amount as the base, according to the number of years, 1% for one year up to 3.5% for five-year period. Bank loan interest rates (announced by the People's Bank of China in 2002) 1-12 months Annual interest 4.78% Monthly interest 0.44% 24 months Annual interest 4.94% Monthly interest 0.4575% 13-16 months Annual interest 4.941% Monthly interest 0.4575% 37-48 months Interest rate 5.022% Monthly interest rate 0.465% 49-60 months Annual interest rate 5.002% Monthly interest rate 0.465% IV. Taxes on purchases of vehicles (before the new regulations are implemented) Taxes payable (domestic cars) = cars Tax included) /1.17×10% Fifth, inspection fees on the license plate inspection fees 300-500 per vehicle on the range.