Mortgage to buy a car in the name of the company:
1, resident ID card, household registration book, marriage certificate.
2. Relevant income certificates, including unit income certificates, deposit certificates, securities, real estate certificates or other income certificates.
3. The car purchase contract or agreement signed with the dealer.
4. The deposit certificate (passbook) of the bank that is not lower than the down payment.
5. If the house property is mortgaged or pledged, a list of mortgaged or pledged property, a certificate of ownership, a certificate that the person who has the right to dispose of the property (including the property owner) agrees to mortgage or pledge, and a certificate of mortgage valuation issued by the competent department shall be provided.
6. If the purchased vehicle is mortgaged, a written loan recommendation letter issued by the dealer designated by the lender before handling the legal mortgage registration and relevant insurance procedures shall be provided.
7. Where a third party provides a guarantee, it shall issue a written document of the guarantor's consent to the guarantee, relevant credit certification materials and a certain percentage of the deposit.
Extended data:
1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time.
2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through the relevant notarization and mortgage registration procedures as appropriate.
3. issue loans. The loan approved by the bank will be directly transferred to the car dealer's account by transfer according to the contract after all formalities are completed.
4. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.
5. loan settlement. Loan settlement includes normal settlement and early settlement.
① Normal settlement: the loan shall be settled on the maturity date of the loan (one-time repayment of principal and interest) or the last installment of the loan (installment repayment).
② Early settlement: Before the maturity date of the loan, the borrower must apply to the bank in advance for partial or full settlement of the loan according to the loan contract, and the bank will repay the loan at the designated accounting counter after it is approved.
After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.
References:
Baidu encyclopedia-loan to buy a car