1, owner loan of Ping An Bank. That is, customers mortgage the property rights of their vehicles to banks and get loans directly. Loan funds can be used for capital turnover, decoration, education and other legitimate consumption and business purposes. A loan product in which the vehicle remains owned by the customer after mortgage.

2, the use of loan funds

It can be used for business purposes such as purchasing raw materials, purchasing goods, paying pavement rent, etc. Or buy a car, decorate, travel, wedding, medical care, parking, golf membership and other legitimate personal consumption purposes. Can not be used for buying a house, studying abroad, entering the securities market or other situations that do not meet the regulatory requirements.

3. Conditions to be met when applying for a car owner loan

The applicant is 22-60 years old and applies for an unsecured vehicle in my own name. The vehicle has not been purchased for more than 65,438+00 years, and the mileage is less than 654,38+05,000 kilometers. At present, the vehicle is valued at more than 50,000 yuan and has been licensed. See the list of cities that can be handled on the application page.

Extended data

Provisions on the use of Ping An automobile mortgage:

1. Loan funds cannot be used for house purchase and investment;

2. The loan amount and lending time shall be subject to the examination and approval results;

3. When providing the follow-up loan service, your name information will be transmitted to the necessary interested parties through encryption, so you don't have to worry about your privacy disclosure.

Reference source

Ping An Bank-Car Owner Loan

What is the loan process for Ping An Bank to buy a car?

Specific process

1. Apply for a car loan. After the applicant is optimistic about the vehicle to be purchased, he/she needs to fill in the Application Form for Automobile Consumption Loan and the Investigation Form for Credit Information, and submit them to the loan bank together with relevant certificates of personal situation.

2. After receiving the application, the bank will conduct pre-loan investigation and approval.

3. After examination, the bank informs the borrower to fill in various forms, as well as loan contract, guarantee contract and mortgage contract, and go through mortgage registration and insurance procedures.

4. Banks issue loans.

5. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.

Extended data:

Application process

1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time;

2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate;

3. issue loans. After all the formalities are completed, the loan approved by the bank will be directly transferred to the car dealer account by the bank according to the contract;

4. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;

5. loan settlement. Loan settlement includes normal settlement and early settlement.

① Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.

After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.

How to get a car owner loan? What are the conditions?

Application conditions: 1. The borrower is 25-55 years old and has full capacity for civil conduct. 2. Have a stable income and the ability to repay the loan on time. The car in his name is not mortgaged. 4. The vehicle purchase time shall not exceed 7 years, and the driving mileage shall not exceed10.2 million kilometers.

Loan process: 1. Open the Ping An Good Car Owner APP. On the homepage of the APP, open the "More" service.

2. On the service page, open "Owner Loan".

3. Click on "Owner's Loan".

4. Enter the application operation page, conduct "vehicle authentication" and "real name authentication", and click "Confirm application".

The maximum loan amount of Ping An car owners is 500,000 yuan, and different users get different credit lines. The longest loan period is 3 years. After the vehicle is mortgaged, the owner still has the right to use the vehicle, and the understanding pledge is required after the subsequent loan is returned.

Users should repay the loan on time after handling the loan of Ping An car owner, and there can be no overdue repayment, because there will be penalty interest after overdue repayment. The longer the time, the more penalty interest, and the overdue repayment. In order to avoid overdue, you need to know what kind of income you will return.

Loans overdue will be uploaded to the Credit Information Center, which will lead to the deterioration of personal credit information. Moreover, after the arrears are returned, this overdue record will be kept in the credit information for 5 years, and will automatically disappear after 5 years. If it is not returned, the overdue record will always be recorded in the credit report and will never disappear.

Version information: Take Ping An Chehao 4.37. 1 version, Apple13 (iOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.

How to borrow a car owner loan?

Ping an car owner loan can be operated online all the time, without offline signing. The loan process is as follows:

1. Log in to Ping An Pocket Bank APP, find the owner's pocket car loan and run the application.

Second, the supply and uploading operation of information such as vehicle driving license.

Third, systematically evaluate the loan amount. The system will evaluate the loanable amount according to the vehicle information provided by the customer.

Fourth, the owner fills in the relevant information, scans and uploads the ID card, completes the face recognition authentication and credit authorization, and then runs the submission.

5. Wait for the information submitted by Ping An staff for review. Usually, the staff will inform the user of the audit within one day.

Six, after approval, handle the follow-up loan matters (including contract signing, funding, mortgage or pledge and other related procedures).

Pay attention to the car owner loan of Ping An. Applicants need to have a driver's license, aged between 22 and 60; Holding a private car driver's license for more than 3 months, and the vehicle is within 10 years; Personal credit is good, the debt ratio is lower than 70%, and proof of long-term residence in the local area can be provided.