Can a mortgaged car be mortgaged again?

Can the vehicle be mortgaged for the second time?

Vehicles can be mortgaged for the second time, but certain conditions need to be met. The specific requirements are as follows:

First, the value of the vehicle is sufficient to meet the conditions of secondary mortgage compensation;

Second, the procedures for the second mortgage should be complete, and there should be no omissions, just like the operation of the first mortgage;

Third, the mortgage car side needs to have a stable economic income, that is, the ability to repay;

Fourth, one party to the automobile mortgage needs to meet other requirements put forward by the lender.

Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on.

After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.

Mortgage is divided into two forms: maximum mortgage and traditional mortgage. Maximum mortgage means that the mortgagor and the mortgagee agree to use collateral to guarantee the creditor's rights that occur continuously in a certain period of time, which is a new mortgage system different from the traditional mortgage system. Compared with the traditional mortgage system, the difference lies in:

(1) The creditor's rights secured by the maximum mortgage amount are uncertain creditor's rights;

(2) The creditor's rights secured by the maximum mortgage are usually future creditor's rights;

(3) if there is a maximum mortgage, it must exceed the maximum payment;

(4) The maximum mortgage shall not be transferred with the transfer of the principal creditor's rights. Although the maximum mortgage is more independent than the traditional mortgage, it still belongs to the collateral, and its establishment mode and effect are not essentially different from the traditional mortgage.

Types of property that cannot be mortgaged.

The first category: properties with outstanding loans; Such a property is generally mortgaged or in a state of mortgage, and the bank already owns other rights of the property. In the process of mortgage, it cannot apply for a mortgage loan again.

Type 2: partially purchased public houses; This is a purchased public house, and it is impossible to provide a purchase contract or purchase agreement; The other is the central delivery room that cannot provide the listing certificate of the central delivery room.

The third category: affordable housing for less than five years; Refers to the management of relocated houses according to affordable housing or purely affordable housing. If it is less than five years, it is not allowed to go public, so it is impossible to make a mortgage loan.

Type 4: Small property houses without property right certificates. This kind of real estate can't be listed and traded, can't be mortgaged to the Construction Committee, and can't apply for mortgage consumer loans.

Excuse me, can the mortgaged car be mortgaged again?

The vehicle has been mortgaged. If you want to make a second mortgage, the general bank will not accept it. You can find a financial institution to handle it, but there are also requirements.

1. The mortgage amount of this car is relatively high. For example, the car is valued at 500,000 yuan, and the mortgage amount is only about 30%. In this case, there is still 70% of the mortgage amount, and the mortgage amount is high, so you can apply for a car remortgage loan.

2. The borrower should not go directly to the bank to handle the auto-to-mortgage loan business. Whether it is car mortgage or car re-mortgage, going directly to the bank will not be accepted. You can use a local loan company or an auto financing company! Borrowers applying for loans through these institutions can not only get funds, but also get funds in a shorter time than going directly to the bank.

3. The borrower needs to have the basic conditions for loan. If personal credit is good, there is a certain income and repayment ability, and current liabilities are good. One of the conditions does not meet, and it is difficult to borrow money with the existing car.

4. The appraisal value of a car as a secondary mortgage should not be too low. If it is too low, the borrower will not get a high amount of secondary mortgage, and the lending institution may not be willing to accept it, and the borrower will have to pay the corresponding fees.

For more information about the mortgage car, can I mortgage it again? Go to: See more.

Can a car bought with a loan be mortgaged again?

No, the car has been mortgaged. Some companies will deduct invoices and vehicle registration certificates when mortgage. Without a vehicle registration certificate, it is impossible to handle legal mortgage procedures.

There is a vehicle registration certificate, but the vehicle management office records the state of the vehicle as collateral. Of course, the vehicle management office is not allowed to use the vehicle that has been mortgaged to others as collateral.

Each bank may have different regulations and flexible methods. Please ask the bank for details.

Extended data:

Loan description:

1, Vehicle License: After the money is lent out, the vehicle is still for your own use.

2. Fast loan: after the mortgage is completed, the loan can be released as soon as 1 day.

3. Wide use: it can be used for business purposes such as purchasing and purchasing, and can also meet consumer needs such as decoration, tourism and wedding.

Automobile mortgage material

1, valid proof of the owner's identity. Such as ID card, residence permit, etc.

2. Vehicle registration certificate, including vehicle driving license, insurance documents, spare keys, etc.

Automobile mortgage processing flow

1. The applicant applies for mortgage loan from the auto loan company;

2. The company receives and collects automobile information;

3. Car inspection, car inspection, test run and car evaluation;

4. Both parties shall determine the mortgage term, mortgage fee and management fee; Install GPS.

5. Sign a mortgage loan contract, register, and lend money by the company;

6. The borrower repays the loan on schedule.

References:

Baidu encyclopedia-mortgage loan

Can the car be mortgaged twice?

Vehicles can be mortgaged for the second time, but certain conditions need to be met. The specific requirements are as follows:

First, the value of the vehicle is sufficient to meet the conditions of secondary mortgage compensation;

Second, the procedures for the second mortgage should be complete, and there should be no omissions, just like the operation of the first mortgage;

Third, the mortgage car side needs to have a stable economic income, that is, the ability to repay;

Fourth, one party to the automobile mortgage needs to meet other requirements put forward by the lender.

Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.

Mortgage form

(1) The creditor's rights secured by the maximum mortgage amount are uncertain creditor's rights;

(2) The creditor's rights secured by the maximum mortgage are usually future creditor's rights;

(3) if there is a maximum mortgage, it must exceed the maximum payment;

Information to be provided by the Mortgagor:

1. A written application of the mortgagor agreeing to mortgage and relevant certificates;

2. Qualification certificate of the mortgagor;

3. Proof of ownership (or disposition right) of the mortgaged property;

4. Basic information of the collateral;

5. Other relevant information.

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