About 1300! ! ! !
Second, how do guarantee companies apply for auto loans? What should guarantee companies pay attention to when making car loans?
We usually buy a car, and the loan is also from buying a car or applying for it. Then do you know that guarantee companies can also apply for car loans? bank
Let's see how to apply together.
The specific process is as follows:
1. The customer asks the guarantee company for information;
2. The customer applies for guarantee, fills in the guarantee application materials and signs the insurance undertaking. Then the insurance company collects the guarantee fee, and the two parties sign the guarantee mortgage contract;
3. The credit department of the guarantee company conducts a preliminary examination of the customers;
4. The risk control department of the guarantee company sends personnel to the door for review to verify the authenticity of the materials provided by customers;
5. The guarantee company submits the customer's loan application materials to the bank; At present, the credit investigation of loan applicants is mainly through income certificates and home visits. The guarantee amount is generally 1% to 1.5% of the loan amount. Generally speaking, the higher the price, the higher the amount of protection.
Matters needing attention in buying a car through a loan from a guarantee company are as follows:
(1) You can choose your own insurance company to handle auto insurance, but the general guarantee company will not let you handle it yourself. You need to choose an insurance company and handle it through them.
(2) After the vehicle enters the venue, the car purchase invoice, motor vehicle registration certificate and insurance documents are all owned by the bank, and the bank will only return them to you after you have completed the loan.
(3) The guarantee company shall repay the loan in accordance with the agreed repayment method every month after the formalities for buying a car are completed. However, some guarantee companies often have financing difficulties in the course of operation. As a result, the car loan cannot be paid off on time.
3. What should I pay attention to when making a car loan through a guarantee company?
As we all know, in 2004, due to the poor supervision of the state, the auto credit market was chaotic, and a large number of customers defaulted, false procedures, false identities, and malicious arrears in repayment, resulting in a large number of bad debts of banks. Therefore, the Banking Regulatory Bureau issued the Measures for the Administration of Automobile Loans, requiring that the down payment should not be less than 30% of the car price. At the same time, in order to avoid the risk of auto loan, banks require auto loan customers to have guarantee companies. During the guarantee period, the guarantee company shall bear the risk of customer default. Once the customer defaults, such as the customer fails to repay the loan within the time limit and fails to renew the insurance with the designated insurance company (when the customer fails to settle the loan, the first beneficiary of the insurance must be the bank), the guarantee company will compensate the bank for the loss of its guaranteed customer. Guarantee companies have to take more stringent measures to prevent and control risks, such as linking with insurance, but they are often misunderstood by consumers. This is the place where the guarantee company feels helpless after entering the automobile consumption loan. Because the guarantee risk of automobile consumption loan is very large, guarantee companies often take more severe measures to prevent and control the guarantee risk. The severity mentioned here is relative to the mortgage. In fact, there are few feasible methods that guarantee companies can choose. At present, the common practice is to link with insurance, forcing borrowers to insure the purchased vehicles, including compulsory insurance and designated types of commercial insurance, and often restricting borrowers from designating loan banks as the first beneficiaries. These are not only one of the means of risk control of guarantee companies, but also the requirements of loan banks for risk control. This is necessary. On the one hand, insurance companies can learn about vehicle movements and claims maintenance records. On the other hand, after the vehicle is accidentally damaged, the loan risk will be controlled to a certain extent, the bank funds will be safe, and the guarantee risk of the guarantee company will naturally be controlled accordingly.
Fourth, how is the guarantee company opened, and does it have anything to do with the bank?
1 is closely related.
2. A guarantee company is a kind of financing company. Guarantee companies are generally composed of asset appraisers, economists, accountants, analysts and other financial-related personnel. This company is mainly provided with the required guarantee by the financing company (or the company that needs the loan), and then the personnel in various positions of the guarantee company analyze, evaluate and predict the company that needs the loan, and then decide whether to guarantee it, but at this time, the guarantee company will not pay a penny, and the loan will be provided by the financing company or the bank. 3. If the loan company finds its own guarantee company, the bank will strictly examine its guarantee company, and the amount and time of loan issuance are closely related to the guarantee company. (bank loans) 4. If the loan company looks for a financing company and needs a loan, then the financing company needs the loan company to find a guarantee. At this time, the financing company will audit the insurance company, and the amount and time of loan issuance have a lot to do with the guarantee company. (Loans issued by financing companies) 5. If a loan company needs a loan from a financing company, and after the financing company reviews the loan company, the financing company will look for a guarantee company, then the bank will strictly review its guarantee company, and the amount and time of loan issuance have a great relationship with the guarantee company. I hope you can understand it and help it.