1. China Industrial and Commercial Bank, China Industrial and Commercial Bank's automobile mortgage refers to a loan product in which the borrower mortgages his own vehicle to China Industrial and Commercial Bank, and then directly obtains a loan from the bank. The loan funds can be used for various consumption and business purposes. For car mortgage, major banks are not keen. Automobile mortgage, China Industrial and Commercial Bank, if it meets the conditions of ICBC's automobile mortgage, it can be applied on the premise of ensuring timely repayment. The amount of ICBC car mortgage is 60% of the car price.

2. Chengdu Rural Commercial Bank's "quick loan" series products Chengdu Rural Commercial Bank has various financing methods, including unsecured credit loans and chattel mortgages. No matter what the borrower's situation is, he can find a suitable financing method. Borrowers with cars can use cars as collateral. The minimum loan amount of "quick loan" series products is 5000 yuan, and the maximum loan amount is 1 ten thousand yuan. The loan term is 1 month to 3 years, and flexible repayment methods such as equal monthly payment, unequal monthly payment and repayment of principal at maturity can be selected.

3. Ping An Bank's "car mortgage", with a single loan amount as high as 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.

Where can I apply for automobile mortgage?

Automobile mortgage can be handled in banks, formal financial institutions, auto consumption finance companies and third-party loan companies. Usually, banks can provide automobile mortgage, which is a very common loan mode for banks. For applicants, the interest applied in other places is relatively high, and the interest applied in banks is relatively low.

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.

Bank mortgage loan

I. Personal housing loans

1. Personal housing commercial loan

Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.

2. Personal housing provident fund loans

Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.

3. Individual housing portfolio loans

Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.

Second, the enterprise mortgage loan

Enterprise loan target: all kinds of small and medium-sized enterprise customers with good business conditions in industrial and commercial registration.

Term of enterprise loan: generally 1-5 years.

Enterprise loan amount: generally 500,000 ~ 65.438+0 billion yuan.

Basic requirements:

1. Holding a loan card issued by the People's Bank of China, with no bad credit record.

2. The company has been registered and operated 1 for many years, with an annual turnover of more than 3 million in the latest year.

The comprehensive interest rate and expenses are generally between 8%- 14%.

Trust mortgage loan

Mortgaged trust loan means that the trustee accepts the entrustment of the principal and issues the loan according to the object, purpose, term, interest rate and amount specified by the principal (or in the trust plan), and the financier takes real estate mortgage as the guarantee method of the trust loan. The interest rate plus handling fee is generally around 18% per year.

Real estate investment trust

RealEstateInvestmentTrusts, abbreviated as "REITs", literally translated as real estate investment trusts, also known as real estate investment trusts, originated in the United States. REITs are generally divided into three types: stock, mortgage and hybrid.

Pawnshop mortgage

Mortgaged pawn refers to the act that a pawnshop mortgages its real estate to a pawnshop, pays a certain percentage of fees and interests to obtain a pawnshop, and pays the interest and expenses of the pawnshop within the agreed time limit, repays the pawnshop and redeems the pawnshop. The interest and expenses add up to about 3% per month.

Vehicle mortgage

Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third person's car or self-purchased car as collateral. The purpose of loans with automobiles as collateral is mainly automobile consumption. Of course, cars depreciate rapidly, and traffic accidents are likely to affect the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage. ) The emergence of automobile mortgage service platform "Easy Car Loan" provides a new channel for people who own private cars to borrow money in the short term.

With Auto Easy Loan, customers can use the ownership of their own vehicles as collateral to obtain short-term financing needs. It broke through the traditional vehicle mortgage loan model and put forward the service of "vehicles without mortgage". The vehicle loan applicant can continue to use the vehicle after going through the formalities only by installing the GPS positioning system on the mortgaged vehicle, without pledging the vehicle like the traditional vehicle mortgage loan, and will not lose face or cause inconvenience in travel because the vehicle is pledged, and can obtain funds as soon as possible on the same day.

house property mortgage

Real estate mortgage loan refers to the RMB loan in which the borrower mortgages the purchased commercial house, and the loan bank provides the borrower with a package of financial services to meet his various needs such as house purchase, parking space, large durable consumer goods, automobiles and house decoration. Financial institutions give borrowers a certain credit line within the stipulated mortgage interest rate. Generally speaking, the loan approval and lending cycle of financial institutions are relatively long.

Which bank can handle car mortgage?

Basic banks can handle car mortgage, such as Bank of China and Industrial and Commercial Bank of China, but the relative mortgage payment is different.

I. automobile mortgage Process

1. The lending institution receives the information provided by the applicant.

2. Visit the applicant's home to investigate and estimate the value of the vehicle.

3. The loan amount initially reserved by the lending institution.

4. Handling entrustment notarization and loan notarization.

5. Relevant documents of the lender in custody of the applicant.

6. Go through the mortgage registration formalities

7. Loans

Second, apply for vehicle mortgage loan materials

1, motor vehicle registration certificate, driving license, additional proof of purchase tax (this), car purchase invoice

2. Insurance policy, travel tax, and relevant tax payment certificates for imported vehicles.

3. ID card (temporary residence permit or residence permit provided by non-local account customers within the validity period)

Extended data:

Supplementary explanation:

Different institutions in automobile mortgage have slightly different requirements when applying.

Generally speaking, the general situation is:

1, the original ID card, residence booklet or other valid proof of residence, and provide its copy;

2. Proof of occupation and economic income;

3 car purchase agreement, contract or letter of intent signed with the dealer;

4. Other documents required by the Cooperation Organization.

5. This kind of car mortgage without parking needs to meet the following conditions: having a stable job, the applicant has the ownership of the local mortgaged car, and his business is to live and work in this city for a long time.