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What are the steps in the car loan issuance process?
loanAfter the issuance conditions are fulfilled, the loan issuer shall issue and transfer the loan to the agreed account in accordance with the contract. If the loan applicant needs to be present in accordance with the contract, the loan applicant shall be notified to present the identity document to assist in the relevant procedures. The specific process of loan issuance is as follows:
1. Review before payment: Review the loan notice: After receiving the loan notice, the business department will review its authenticity, legality and integrity.
2, the household loan. After the business department determines that the audit is correct, it will open an account for the loan.
The loan for a personal auto loan includes two types of deposits to the deposit account opened by the dealer in the loan bank and directly to the deposit account opened by the loan applicant in the loan bank, that is, through the loanee’s entrusted payment or the loan applicant’s self-payment. Ways to issue the loan principal. The loan bank shall make a written agreement with the loan applicant on the use and withdrawal of funds in the form of a contract or agreement to ensure that the bandwidth usage meets the contract requirements.
At the time of opening an account, it should be noted that when the loan applicant signs a contract with the loan bank, it must clearly inform the interest rate on the specific loan date when the legal interest rate adjustment is made at the time of the loan. Therefore, when the loan is signed, it will be legal.Lending ratesDuring the adjustment, when the business department opened the account and found the loan, the loan interest rate was found to be inconsistent with the execution rate of the loan account. The relevant department should be notified to re-edit the credit issuance information according to the latest interest rate grade, and the relevant procedures for opening the account should be re-applied.
3. Loan notice. When the account opening is completed, the bank shall issue a loan notice,personal loanInformation cards, etc., are handed over to the loan applicant for a return. For the loan applicant, the bank directly handles the account opening and lending procedures, and the accounting department shall promptly mail the relevant documents to the loan applicant or notify the loan applicant to retrieve the bank. After the loan is issued, the business department shall update the account data at any time based on the loan applicant's response information.
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