Process of handling mortgage car loan:
Choose a car at a special bank dealer and sign a car purchase agreement or contract;
The borrower applies to the loan bank for personal automobile mortgage;
Sign the contract after investigation and consent;
Go through the formalities of notarization and mortgage of automobiles;
Bank loans;
After the loan is paid off, the pledge certificate shall be cancelled and returned to the customer.
Loan process
1, initiate a loan application.
The purpose, amount and duration of the loan proposed by the borrower to the financial institution. If the loan application meets the loan scope of this financial institution, then you need to prepare the corresponding information.
2. Prepare loan information
If it is a personal housing mortgage loan, you need to provide your own and your spouse's ID card, household registration book, income certificate, corresponding contract for personal consumption, proof of marital status, and house ownership certificate.
If an enterprise needs to mortgage real estate, the materials it needs to provide include: three certificates, account opening permit, articles of association, enterprise capital verification report, purchase and sale contract, running water of the last six months, financial statements of last year and the last six months, and asset certificates (different materials will be provided according to different banks).
This link is a very important link in the process of real estate mortgage loan, because many customers are in urgent need of money when lending. If these materials can be prepared in advance, it will save a lot of trouble.
3. House evaluation
After submitting the above materials, the bank shall conduct on-the-spot investigation and evaluation of the mortgaged property according to the submitted materials. Each link is an important link in the process of real estate mortgage loan, which directly determines the amount of your mortgage loan. Generally speaking, there will be some discrepancy between this assessment and the market price, because the assessment agency will consider multiple factors.
Step 4 apply for a loan
Submit all loan review materials and evaluation reports or investigation opinions to the bank for approval. At this time, the loan customer must pay attention to preparing all the information. If anything is omitted, it will affect the loan progress.
5. Notarization of loan contract
The borrower-level mortgagor fills in the loan contract and all relevant documents, signs them, and notarizes them by the notary.
6. Mortgage registration procedures
The bank shall go through the mortgage registration formalities in Chaquan with the house ownership certificate and notarized loan contract.
Now, do you know the process of mortgage loan? Mortgage loan is a complicated loan. Predicting the process in advance can save you a lot of time. If you want to apply for mortgage loans, you should choose formal institutions and professionals for consultation.
How reliable is the loan of Nanjing Power Grid?
Any online loan is risky for individuals.
First, it will generate interest, and whether your ability can cover the principal and interest.
Second, in case of breach of contract, not only the credit information will be affected, but also people around you will be implicated.
Therefore, online lending must be cautious.
Nanjing Loan Company mainly provides short-term mortgage loans in automobile mortgage, including real estate mortgage loans, personal enterprise bridge financing, decoration loans, corporate mortgage loans, personal emergency loans, provident fund loans, corporate tax loans, commercial loans and so on. With rich industry experience and professional operation team, we have won the trust of many customers and enterprises, reached strategic cooperation with various banks and institutions, and provided customers and enterprises with the lowest loan cost more efficiently.
First, the main products:
1, automobile mortgage: rapid assessment has a high quota and simple procedures, and all license plates in China can be handled.
2. Real estate mortgage loans: commercial houses, villas, factories and office buildings with high quotas.
3. Provident fund loan: the same company has paid for more than half a year, and the credit is not overdue.
4. Cross-bridge fund-raising: individuals and enterprises can do it, and the next payment time is fast and the process is short.
5. Enterprise mortgage loan: As long as you do business, have field operation and repayment ability, it is local and regional, with high amount and strong communication skills.
6. Personal emergency loan: at least 18 years old, can work for more than one month, with high quota and simple procedures.
Second, the standard requirements:
1. The borrower must be a person with full capacity for civil conduct and at least 18 years old;
2. Have a China household registration certificate;
3. Have a stable occupation and income;
4. Debt service ability.
5, there is a house in the local area, and some people live for a long time.
Adhering to the core concept of "people-oriented, service-oriented", Nanjing Loan Company insists on "helping small and micro enterprises and benefiting the public", actively strives for innovation, provides "more professional, more efficient and more inclusive" quality financial services for small and medium-sized enterprises, and strives to become a leading Internet asset distribution platform in China.
Nanjing mortgage car second loan not mortgage car.
Of course. When handling the second loan of Nanjing mortgage car, it is generally necessary to mortgage the car. If the lender's loan prerequisite is not to take the car, then you can try to negotiate with the loan company, depending on the situation. If the car itself is of great value, the possibility of not taking the car is ok.
This concludes the introduction of Nanjing mortgage loan and Nanjing mortgage loan. I wonder if you found the information you need from it?