Buying car frm the private seller, how can i get the loan?

paradise

I know if buying from dealer, they can help me get all things done..
But if frm the private seller, can i apply the loan by myself?
Just contact the bank directly, then the bank pay to the seller, right?
How long can i get the loan normally?

Any friends having the same experience, can u share with me?

Many thanks!!

yoocool

是啊，私人买车怎么贷款阿？谁试过的？
我没经验，帮你顶。
谁知道的出手相助一下嘛。
加油！！
我今天又把自己的车刮了一大块了。。已经完全没有感觉了。

astina

没有这方面的经验,LZ要不要干脆问银行?至于LOAN的批准与否,应该是很快的,很多地方号称24小时搞定.

astina

yoocool  在 2005-12-8 03:00 PM 发表:

是啊，私人买车怎么贷款阿？谁试过的？
我没经验，帮你顶。
谁知道的出手相助一下嘛。
加油！！
我今天又把自己的车刮了一大块了。。已经完全没有感觉了。

所以第一辆车不能买的太好, 都要东刮西刮的.开始还心疼,后来就麻木了,麻木久了就嫌弃这车了

bulaohu

you can get a loan pre-approval from either banks or other lenders, they go out car hunting. When you've decided on the vihicle to buy, you normally pay a small deposit to the seller, then you can ask the seller to write you something, or anything, that proves that you're gonna buy the vihicle from him/her. They you go to the bank to get a bank cheque and pay the seller.

That's how I bought my first car at Auction. Remember with Auctions they have their own rules about how soon you must pay them after the auction.

paradise

Thanks ur guys!!!

oh, I C... what i need to do now is just applying the loan and waiting for the loan aprroved...but how long can my money be allowed to stay in the bank with 0 interest before i take them out to pay the seller?

bulaohu

Your loan will not commence until the bank cheque is issued. Normally a loan approval will be valid for up to 3 months. So as long as you make a purchase within 3 months of loan approval you will be OK. and the interest will be calculated starting from the day the bank cheque is issued.