"Car loan" is divided into two forms: parking and non-parking.
Escort car: Give the car to the company for safekeeping. There is a parking lot dedicated to parking the car, and there is a special person to look after it 24 hours a day. Lights the car regularly to warm up.
Don't mortgage the car: customers can choose to just put the formalities in the company, or use the car for their own use, and need to apply for mortgage registration. The loan business is flexible and fast, and the amount can generally reach 70-80% of the assessed amount. Generally, the loan can be released on the same day when the formalities are complete. Mandatory provisions on vehicle mortgage loan: the car under the name of an individual, the full amount, and the car within the service period.
What is the car mortgage loan that Chengdu doesn't take a car?
Car mortgage does not mortgage the car, which means that the borrower mortgages the vehicle registration certificate and driving license to the loan bank without mortgaging the car to the bank, thus obtaining the loan funds from the bank. After the loan is successful, you can still use the car, but the loan bank will install GPS in the car and remove it after the loan is paid off.
Chengdu automobile mortgage conditions without parking spaces:
1. The applicant must be between 20 and 60 years old and have full capacity for civil conduct;
2. The applicant has complete ownership of the mortgaged vehicle;
3. The applicant has a fixed job and residence in Chengdu;
4. The applicant has the ability to repay the loan principal and interest on time;
5. The applicant has good credit data and cannot have bad credit records;
6. Other conditions required by the lending bank.
There are four points to pay attention to when handling non-parking loans.
1. The applicant has repayment ability.
Unsecured loan is a product of automobile mortgage. Although it is a mortgage loan, you can't get a loan if you have a car, and the applicant needs to have a certain repayment ability. At present, most loans that don't take a car are repaid with equal principal and interest, which is suitable for applicants with relatively stable income. Therefore, if the applicant does not have a certain repayment ability, it is likely to be overdue and the loan company will bear the risk.
You can apply in the bank.
The first reaction when people apply for a loan is to go to the bank. You can apply for a loan without taking a car. However, the bank loan processing cycle is long, and the applicant's credit requirements are very high, so it will be very difficult to handle it.
Many people will choose lending institutions to apply for car loan products when they do not meet the conditions of bank loans. Therefore, as long as the applicant has good qualifications, it is possible to apply for car loan business in a loan company.
3. Need to install GPS
When applying for a loan, we all heard that the car would be equipped with a positioning device. Many applicants will worry that it will affect the use of cars. In fact, don't worry, installing GPS only locates the position of the vehicle and will not have any impact on the vehicle.
In addition, not all vehicles must be installed and positioned. If the applicant is qualified and can apply for a bank loan, then there is no need to pretend. It is generally necessary to install GPS in the loan business handled by the loan company.
4. Some vehicles cannot be applied.
If there is a serious vehicle accident or engineering vehicle, you can't apply for a car mortgage.
Is the car mortgaged or not?
Automobile mortgage is divided into two business situations: one is unsecured loan. The loan company impounds the motor vehicle registration certificate, but does not impound the motor vehicle, and the vehicle continues to be used by the customer. Usually, loan companies will install GPS on motor vehicles to facilitate real-time monitoring. The second is mortgage loan. The customer's motor vehicle needs to go through the mortgage registration formalities, and then the motor vehicle is stored in the garage designated by the loan company for safekeeping. It is recommended to consult a professional car loan company and choose Anmeitu car loan. Anmeitu doesn't look at credit reporting or credit reporting, and the threshold is low. You can borrow a car, with or without a car. The procedure is simple, and you can lend money on the same day, which is trustworthy. Need money badly? Find a safe way! You can get a loan if you have a car!
The handling process of automobile mortgage is not complicated, 1, and the lending institution evaluates the vehicle free of charge; 2. The lending institution will grant the loan amount according to the value of the vehicle and the actual situation of the customer; 3. Lenders choose loan products according to their own needs (loan cycle, parking, etc.). ); 4. Both parties sign a formal contract and go through the corresponding formalities; 5. Loans from lending institutions.
For more information about loans, please consult Amway Car Loan. Choose a regular company for car loans. Anmeitu is headquartered in Shanghai, backed by the strong financial strength of Anmeitu Group, and has direct stores in Shanghai, Chengdu, Xi 'an, Wuhan, Shenzhen, Chongqing, Beijing, Kunming, Guangzhou and Shihezi, Xinjiang. If you have a car, you can borrow it. Professional one-on-one service, reasonable and transparent fees, clearly marked. Relieved and reliable, the mortgaged vehicle is stored in a closed indoor garage, which is all-weather safe. You can do it without a car, and you can manage it if you get the money. Generally, loans can be made on the same day. The maximum loan amount is 8- 10%.