Loan means that all or part of the loan interest obtained by the borrower from a commercial bank is borne by the relevant government agencies or non-governmental organizations.
For any questions about loans, please refer to "A Search".
Provisions of China Construction Bank on Personal Small Consumption Loan:
1. Loan target: China citizens with full capacity for civil conduct aged 18 to 60.
2. Loan amount: After the borrower provides pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification,
3. Term of loan: The maximum validity period of the mortgage line is 5 years.
4. Loan interest rate: subject to the loan interest rate regulations of China Construction Bank;
5. Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB.
6. Application materials to be provided:
Please accept it if you are satisfied, thank you!
Second, recommend several auto mortgage companies! I want to join.
It is feasible.
Third, automobile mortgage joins the platform.
At present, in the investment and financing service industry, the internet financial market has developed rapidly and has a wide range of consumers. Franchise chain car mortgage, China Venture Capital Co., Ltd. opened a new way to join, providing "low cost and high return" car mortgage joining project for entrepreneurs who are interested in joining car mortgage, which has been recognized by the financial service market. Zhonglong Venture Capital, auto mortgage, focusing on auto mortgage joining agents, forming a powerful comprehensive financial service brand. Zhonglong Venture Capital has strong R&D strength; D team, to create excellent investment and financing services, to cater to market customers' pursuit of internet finance. In addition, the platform of Zhonglong Venture Capital Automobile Mortgage Association has established a unified management system, business system, risk control system, membership system and financial system according to its actual situation, so as to strengthen business processes and reduce business risk probability. In the field of financial services, Zhonglong Venture Capital insists on continuous innovation and development, and is committed to providing innovative automobile mortgage products and high-quality investment and financing services for many enterprises and individuals. Focus on casting the perfect brand design and advanced "Internet finance" concept of automobile mortgage companies, and provide professional and innovative automobile mortgage products and services for market customers. In the service market of automobile mortgage, Zhonglong Venture Capital has a high brand awareness in automobile mortgage and has created a unique product management model in automobile mortgage. In the future, Zhonglong Venture Capital will adhere to the brand line of high-quality private financial services, take the automobile mortgage brand as the banner, and create a more fashionable internet financial living space in more innovations. How to avoid the trap of unscrupulous merchants and buy a car safely through "purchasing by rent" is likely to affect your life. The new version of the credit report is about to run! Related Q&A: Franchise loan of auto mortgage company means that all or part of the loan interest obtained by the borrower from commercial banks is borne by relevant government agencies or non-governmental organizations. For any questions about loans, please refer to "A Search". Provisions of China Construction Bank on Personal Small Consumption Loan: 1. Loan target:/kloc-China citizens aged 0/8 to 60 with full civil capacity. 2. Loan amount: after the borrower provides pledge, mortgage, third-party guarantee recognized by CCB or with certain credit qualification, 3. Term of loan: The mortgage line is valid for up to 5 years. 4. Loan interest rate: subject to the loan interest rate regulations of China Construction Bank; 5. Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB. 6. Application materials to be provided: Please accept if you are satisfied. Thank you!
Four, the formal mortgage car must have five conditions?
First, regular car dealers.
Mortgage car is a slightly special car, and its safety depends largely on the car dealer, so you must choose a regular mortgage car dealer or platform when buying a mortgage car. They have several common characteristics, such as corporate operation, fixed business premises, professional sales team, their own websites and operators, and of course, many franchisees, all over the country.
Second, is the creditor's right of the mortgage car clear?
Creditor's rights directly affect the safety factor of mortgage car. What I fear most about buying a mortgage car is the second mortgage and multiple mortgages. If you want to know whether the creditor's rights are clear, it is mainly achieved through large account books or file search. The safest thing for a mortgage car is to pay the full amount with a big book, because it means that the car lacks one person's money and has no other debts, so it is relatively safe.
Third, the vehicle procedures are complete.
Because the new owner who bought the mortgage car only holds the right to use the mortgage car, but not the ownership (can't transfer ownership), the procedure of buying the mortgage car is the most important. The first is the loan agreement. Loan agreement refers to the loan contract or agreement signed by the original owner and the creditor (borrowing company or individual) when borrowing money. The main contents should include time, amount, interest, repayment time, pledged vehicles and accessories, and some related loan terms.
Mortgage agreement: mortgage agreement is a loan agreement signed by the borrower and the loan company. If the loan is not repaid, the ownership of the car will be transferred to other people or companies;
Copy of the original owner's ID card. The original copy of the owner's ID card should be the same as the driving license, and the original picture should be taken. It's best to take a photo and file it for future inspection.
Whether the driving license is consistent with the corresponding information of the vehicle;
Transfer record: transfer record refers to the transaction record that the lending company transfers the money to the original owner when the original owner borrows money, or the owner explains the payment and signs it. Ensure that the loan is true and effective;
Creditor's rights transfer agreement: the creditor's rights transfer agreement can fully explain that each creditor's rights transfer agreement is completely effective and can fully explain that it was given to you step by step from the original owner.
Fourth, is the GPS of the mortgage car removed cleanly?
No matter where the mortgage car is, no matter what the state of the mortgage car is, as long as it is a mortgage car, there must be GPS. It is best to remove the GPS of the original car, because when the original car is mainly redeemed, it will check the driving location of the car through GPS, so it is not good to find you directly. To buy a mortgage car, you must remove the GPS. You need to go to a professional car beauty shop to disassemble it, and then install a GPS that can be found at any time, which is also to avoid unnecessary trouble in driving in the future.
Fifth, the common sense of automobile safety of mortgage car.
Driving legally is the glorious duty of every citizen, and it is also the guarantee of your life and that of others. Some customers think that the name of this car is not their own, and they run away when there is a big problem, or some younger generations, driving these luxury cars, are self-righteous, indulge themselves, want to attract the opposite sex, drunk driving, speeding, and do everything they can, which will only accelerate and shorten your life journey. I would like to remind you that even if something serious happens to you (you killed someone, seriously violated the rules, and left yourself in the accident), it is impossible to implicate the original owner, because there is an "exemption agreement" when others pledge loans. From the moment someone borrows money to pay the car, the illegal behavior of the car is none of his business. Be more careful when selling cars to dealers. The exemption agreement must be signed, and you must be a normal natural person with a driver's license. Besides, there are eyes everywhere now, and who is the party is clear.