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Is the Auto Loan Contract Given to the Car Owner?

1 Answers

ValentinaDella

07/29/25 5:11pm

4S stores do not provide the loan contract to the car owner. If it is a bank loan, the contract will be sent to the bank for archiving. Here is the relevant information: 1. Notes: The loan contract is generally made in five copies—one each for the mortgage office, the vehicle management office, and the bank. The remaining two copies are usually not given to the car owner by the financing company. Industry insiders indicate that when a car owner applies for a mortgage loan, the bank conducts a qualification review of the owner's repayment ability, and the loan is only disbursed after passing the review. 2. Contract Details: For car owners, it is essential to understand the relevant procedures before signing the contract to ensure they are within acceptable limits. Additionally, never sign a blank contract. When signing, make sure it is a loan contract with the bank, clearly stating the down payment, monthly installments, and loan amount. Also, confirm that repayments are made to the bank, not to the financing company.

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