It is risky for the loan company not to take the car. If it fails to repay the loan, the loan company will take judicial channels.
Article 196 of the Criminal Code of People's Republic of China (PRC).
Under any of the following circumstances, those who engage in credit card activities with a relatively large amount shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan.
If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan.
If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property:
(1) Using forged credit cards.
(2) using an invalid credit card.
(3) fraudulently using another person's credit card.
(4) malicious overdraft.
The term "malicious overdraft" as mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank. Anyone who uses a credit card at the same time shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
Second, how can I apply for a loan without a car loan?
1. Consult the local automobile mortgage application institution, consult the local bank or lending institution to find out whether it is possible to apply for automobile mortgage without stopping. At present, most companies that can apply for a car loan can apply for a car mortgage without taking a car, but they still need to consult clearly.
Second, prepare the relevant application materials for automobile mortgage. After selecting the applicant that can apply for automobile mortgage without stopping, you can prepare the materials for applying for car mortgage. Generally, you need to have an ID card, household registration book, work certificate, income certificate, bank account, car registration certificate, driving license, etc.
Three. Handle the formalities related to automobile mortgage and loan. After preparing the information, apply for a loan from the local loan company or bank, submit personal data, and it is possible to go through the loan procedures after the bank has approved it. Generally speaking, some lending institutions will charge some fees, such as car price evaluation fees and GPS installation fees. , need the attention of the borrower.
3. Money is tight recently, and I have a car under my name. I want to make a mortgage loan, not a car loan. Ask several companies. ...
Any bank can go through the mortgage formalities without taking a car loan. Car loan means that the formalities are not mortgaged. However, the mortgage procedure does not require a car loan, and the vehicle needs full insurance.
Fourth, loan companies that do not pledge cars.
Which platform is better without car loan? How to get a loan without a car loan? Is it reliable?
Conditions for unsecured car loans:
Car loans are divided into parking and non-parking. If you want to park your car, you need to meet the following requirements:
A. The applicant has the ownership of the mortgaged vehicle, is economically stable and has a proper occupation;
B. Insurance policy, travel tax and relevant tax vouchers for imported vehicles shall be provided when the loan is made;
C.my id card.
2. How to choose a loan without stopping?
Bank: Now many banks have non-car loan products. For example, Ping An Bank's non-stop loan can reach up to 500,000, and you can get the money as soon as possible that day. The materials you need to prepare are vehicle driving license, motor vehicle registration certificate, income certificate (bank statement or company certificate) and residence certificate (water and electricity bill, etc.). ).
Loan companies: Ping An Hewlett-Packard, CreditEase and other loan companies have non-taxi loan business, and the threshold is relatively lower than that of banks. If you need money urgently but your qualifications are not so good, you can consider a licensed institutional loan company.
Professional car loan institutions: There are many institutions specializing in car mortgage in the market, with mature business models and simple procedures, such as car flash loan and car easy loan. Professional car loan institutions are also one of the most convenient channels to apply for car loans.
These three non-cycling loan channels have their own advantages and disadvantages. Everyone should proceed from their own specific actual situation, make a comparison before making a choice.
If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
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