Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third party's car or self-purchased car as collateral. The purpose of loan with car as collateral is mainly for quick capital turnover. (Of course, cars depreciate rapidly, and traffic accidents have a high probability of affecting the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage, and the general loan evaluation price is 50-80%. )
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1. Qingdao automobile mortgage non-stop conditions:
1, aged between 18-60 years old, with full civil capacity;
2. The applicant owns the motor vehicle of the local vehicle management office brand, and the borrower owns the motor vehicle ownership;
3. Have a local account with a loan and a fixed residence in the local area;
4. The income is stable and the loan principal and interest can be repaid on schedule;
5. Other conditions that meet the requirements of the lending institution.
Second, the difference between non-parking and parking in Qingdao automobile mortgage:
1. Who pawned the car for car mortgage: After registering the car mortgage, you need to park the car in the garage set up by the lending institution, and the car can no longer be used. The loan amount is higher than that of the non-bus mode, the interest rate is lower than that of the non-bus mode, and the loan period is longer than that of the non-bus mode.
2. Who doesn't mortgage the car? You only need to go through the relevant formalities of mortgage the car, and you can also use the car after handling the loan. You need to install GPS in the car, and the installation fee is borne by the borrower. Correspondingly, the loan amount is not as good as the former, and the interest rate has no advantage. The loan term is generally short-term.
Three, the amount of automobile mortgage is mainly determined by the following aspects:
1, the value of the car: the value of one's own car is the main factor determining the car quota. For example, the value of millions and tens of thousands of cars is definitely different. There is professional software to evaluate the car quota. This amount is based on the value of the car itself;
2. Car condition: In fact, car condition is also a factor that determines the number of cars. If the car is in good condition, the quota will naturally be higher. On the contrary, if the car has a major accident and there is a warranty, this amount will definitely be discounted;
3. Car loan companies: Different companies have different loan ratios for various reasons. Some companies put 80% of the whole car, while others put 90%. Of course, this is also related to the customer's conditions.