Car mortgage loans can be made by most banks, such as China Construction Bank, Industrial and Commercial Bank of China and Agricultural Bank of China. Users can directly apply for vehicle mortgage loans as long as they meet the loan conditions. As for whether it can pass the audit, the results of the bank audit shall prevail. For users, automobile mortgage needs to mortgage the vehicle to the bank, so the vehicle must meet the mortgage conditions.
Users who own vehicles or apply for car loans can apply for automobile mortgage. The former is generally a mortgaged vehicle or a mortgaged motor vehicle registration certificate.
Extended data:
Matters needing attention in automobile mortgage:
1. Due to the rapid depreciation of a car and the high probability of encountering a traffic accident, which easily affects the value of the car, the loan evaluation price is generally not particularly high when applying for a loan for a mortgaged car, which is generally around 50% to 80%.
2. Car mortgage is often used for short-term turnover. If you need a long-term loan, it is not recommended to apply for a car mortgage.
3. If the motor vehicle owner mortgages the motor vehicle, he shall apply for mortgage registration at the vehicle management office at the place of registration.
4. Some cars don't need to put the car in the lending institution, but only put the green paper, the so-called "car-free pledge card", and then install the GPS positioning system on the car, and the car can still be used normally.
5. Customers had better choose to go to the bank for auto mortgage, or choose a formal consumer financial institution with a financial license approved by the CBRC. Never go to an unknown loan company, which may lead to loan fraud and loss of money.
Vehicle mortgage loan process:
To handle the vehicle mortgage loan, the lender first needs to apply to the lending institution, and then prepare the corresponding materials according to the requirements of the lending institution. After the approval of the lending institution, if it passes, the vehicle mortgage formalities will be handled and the loan will be made after signing the contract.
If the vehicle is still mortgaged, then the lender needs to consult the lending institution, and in this case, whether the loan can be made. Generally speaking, mortgaged vehicles can also be loaned, but vehicles still have loan scope and need to be evaluated by relevant institutions.
If my car doesn't apply for a mortgage loan, it must be approved by the owner. In this case, more materials are needed to apply for a loan, and the procedures will be more troublesome. You can consult relevant lending institutions for details.
After handling the mortgage loan, the lender needs to repay the loan according to the contract, otherwise it will have a serious impact on the lender's credit information. If the contract exceeds the limit within the time limit, the lending institution still has the right to terminate the contract in advance, and the consequences are more serious.
Which bank is good for car mortgage?
As we all know, cars are increasingly devalued collateral, and traffic accidents have a greater impact on vehicles, so many lending institutions are unable to apply for car mortgages. So, which bank is good for car mortgage? Next, I will introduce it to you.
As far as we know, the banks willing to accept automobile mortgage are Ping An Bank and Chengdu Rural Commercial Bank.
1, Ping An Bank
Ping An Bank's "car mortgage" has a single loan amount of up to 500,000 yuan. Loan funds can be used for purchasing, purchasing and other business purposes, and can also meet consumer needs such as decoration, tourism and wedding. In the case of complete information, after the mortgage is completed, the loan can be released within 1 day at the earliest, and the vehicle can still be used after the money is obtained.
2. Chengdu Rural Commercial Bank
There are many financing methods for the "quick loan" series products of Chengdu Rural Commercial Bank, including unsecured credit loans and chattel mortgage. No matter what the borrower's situation is, you can find a suitable financing method. Borrowers with cars can use cars as collateral.
Requirements and materials for applying for car loan service for car mortgage:
1. has a stable occupation, and the applicant has the ownership of the local mortgaged vehicle;
2, living and working in the city for a long time, to carry out business occupation and economic income;
3, motor vehicle registration certificate, driving license, purchase tax additional proof (this), car purchase invoice;
4. Insurance policy, travel tax and relevant tax payment certificates for imported vehicles;
5. ID card (temporary residence permit or residence permit within the validity period provided by non-local account customers);
6. Other documents required by the Cooperation Organization.
Which bank is good for car mortgage? Which bank has a low mortgage interest rate?
Which bank is good for car mortgage?
1, automobile mortgage standard of Bank of China.
China Bank official website stipulates that the lender must give the lender the raw materials of the car that needs to be mortgaged; The person in charge of lender evaluation evaluates the vehicle to be mortgaged; Having the car purchase agreement, agreement and car purchase intention agreement approved by the handling personnel; Proof of the ability to pay for the first car purchase in the amount specified in these Measures.
2. Ping An Bank automobile mortgage Standard
22-60 years old, with a fixed income; Application for unsecured vehicle under my family name at this stage; The car has been bought for less than 10 years (subject to the date of first licensing); The cruising range does not exceed10.5 million kilometers, and the evaluation value of the car is more than 50,000 yuan; I have bought a car for less than 5 years, and the loan on the license plate is unsecured. It is a car under my name.
3. Post Express Bank Car Mortgage Standard
Have a serious job and a stable income, and have the ability to repay the loan principal and interest on time; Willing to use the car as collateral, and can provide collateral recognized by the borrower; Insurance policy, vehicle and vessel use tax and relevant tax certificates for imported cars; There is a car purchase agreement or an agreement approved by the local postal savings bank. Lenders should apply for loans at the corresponding banks according to their actual needs and personal standards. If you are really afraid that you can't apply for a loan, you can also choose to seek the support of a third-party loan intermediary.
Which bank has a low mortgage interest rate?
Capital Construction Bank: 1 year, 2 cycles and 3 years, the total car loan cost ratio is 4%, 8% and 12% respectively. Agricultural Bank: Agricultural Bank 1 year has a total car loan interest rate of 5%, and the total car loan interest rate for two years is between 8%- 10%. According to different enterprise qualification certificates, the interest rate is slightly different, 3-year loan 12%.
The interest rate of every bank is similar; The interest rates of all banks are basically the same. The loan interest is not calculated by the banks themselves, but is uniformly regulated by the CBRC, and each bank has only weak supervision authority. However, banks handle mortgage loans quickly, but the material verification is very strict. Generally, people who apply for bank loans have to go to experienced car loan companies. The loan amount runs fast and the regulations are simple.
Moreover, the speed of vehicle price reduction is relatively fast, so many banks generally do not handle automobile mortgage. The people who can apply for car mortgage are basically professional managers who cooperate with outside third parties, so they usually apply to outside financial enterprises. Therefore, it is very important to choose a professional automobile mortgage platform. At present, the monthly interest rate of Beijing automobile mortgage platform is generally around 0.7%- 1.3%. The real interest rate varies from lending company to lending company. The loan interest is also restricted by various conditions. If the loan interest is relatively low, you must go through the formalities and complete the documents.
Which bank is good for vehicle mortgage loan?
You can apply at Ping An Bank: 1. To apply for a car mortgage in Ping An Bank, the applicant needs to prepare a valid second-generation ID card, household registration book, personal motor vehicle driving license, motor vehicle registration certificate and personal income certificate; 2. Non-local accounts, such as bank bills or income certificates issued by the company, need to provide local identity cards, such as water, electricity, coal tickets, etc.; After preparing the materials, you can apply for a car mortgage in Ping An Bank.
Let's stop here about the banks in automobile mortgage.