The company car can be mortgaged. For cars under the company's name, the company as a legal person can apply for mortgage loans with vehicles. Apply for a mortgage loan with the vehicle as collateral. Because vehicles are consumables, the loan amount is usually not too high.
First, mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.
Second, mortgage loan is a way for buyers (mortgagor) to borrow money from banks (mortgagees). That is, the buyer takes the purchased property as collateral, signs a mortgage contract with the bank, and takes the way of not transferring ownership as a guarantee to repay the loan to the bank on schedule. Interest must be paid on this loan. After the buyer (mortgagor) pays off the principal and interest to the bank according to the contract, he can recover the collateral-Property Ownership Certificate and Land Use Certificate. In other words, property buyers do not really own the ownership of the houses they buy before paying off the loans. If the repayment is not made on time, the bank can handle it according to law.
Three, to enjoy the preferential policies of the state to buy housing mortgage, mortgage amount is limited to the income that the mortgagor can dispose of and share; For an enterprise as a legal person with an operating period, the mortgage of its house shall not exceed the operating period.
Four, with the land use right mortgage housing, mortgage period shall not exceed the remaining years stipulated in the land use right transfer contract. Where a house is mortgaged, the right to use the state-owned land within the occupied area of the house shall be mortgaged at the same time.
Five, mainly in terms of interest rates, mortgage loans are commercial loans, also known as personal housing loans. Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. The interest rate is the benchmark interest rate stipulated by the People's Bank of China. In the past, there was a discount for buying a house at the mortgage interest rate. Due to tight policies and small quotas, interest rates have risen instead of falling. But the floating property of mortgage loan is lower than that of mortgage loan.
Can the company car be mortgaged?
For cars under the company's name, the company as a legal person can apply for mortgage loans with vehicles. Apply for a mortgage loan with the vehicle as collateral. Because vehicles are consumables, the loan amount is usually not too high and the loan period is not very long. However, it is no problem to apply for a loan from a bank as collateral.
If you want to apply for a loan with a higher amount and a longer loan term, you need to use other collateral as collateral. Of course, the collateral should also meet the requirements of the bank. In addition, if the personal income is relatively high and there is not much debt, you can also apply for a large loan.
Extended data:
The requirements for handling car loans are as follows:
1. Applicant 18 years old or above, and needs to have full capacity for civil conduct. But some places require applicants to be over 23 years old. Please consult the staff for details.
2. Have a stable occupation and the ability to repay the loan principal and interest on schedule.
3. Personal social credit is good, and there should be no trace of frequent credit inquiry in a short time, and other loans or credit cards under his name are not overdue.
4. It is best to have a stable residence where the loan is located.
5. Other conditions stipulated by the Cooperation Organization.
The difference between owner loan and car loan:
Ping an car owner loan is a loan that only needs vehicle registration certificate as collateral, and car loan is a loan that does not take the car or install GPS. Both can be used for personal consumption or business, and the main differences are as follows:
1. Loan amount:
The loan amount of the owner's loan ranges from 300,000 yuan to 500,000 yuan; The car loan amount is between 500,000 and 500,000.
2. Application conditions:
The owner's loan requires the borrower to be between 22 and 60 (inclusive); It is a non-operating vehicle under my name and has been licensed for 3 months; The service life of the vehicle shall not exceed 10 year (subject to the date of first registration), and the mileage shall not exceed10.5 million kilometers; The approved value of the vehicle × the loan ratio shall not be less than 30,000.
Car loans require borrowers to be between 25 and 55 years old (customers who purchase performance insurance can be relaxed to 22 to 60 years old); Have a full car, no mortgage; The vehicle purchase shall not exceed 7 years (subject to the date of first registration), and the mileage shall not exceed1.2000 km; The vehicle evaluation value is above 70,000 (inclusive).
Automobile loans overdue collection:
Different banks or lending institutions may have different regulations, but basically they will stipulate in the loan contract that if the loan is not repaid for more than three months and the overdue nature is bad, it will be forced to auction. At the same time, other assets under the name may also be frozen for disposal.
It can be seen that the car loan is overdue for more than three months. Everyone must remember to pay back the car loan on time after buying a car.
If it is overdue, it may be just a collection at first, but once it is overdue for less than three months, the nature is different, and it is likely to be recognized as malicious overdue by banks or lending institutions. If it is overdue, not only will the car be taken back for auction, but personal credit will definitely be greatly affected. Therefore, even if you can't afford it for a while, you should take the initiative to negotiate instead of turning a blind eye to the collection.
Can I borrow money to buy a car in the name of the company?
Of course. For cars under the company's name, the company as a legal person can apply for mortgage loans with vehicles.
Legal basis:
Interim Measures for the Administration of Personal Loans
Article 11 An individual loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Can I borrow money to buy a car in the name of the company?
You can borrow money to buy a car in the name of the company. However, if the company's shareholders misappropriate the company's funds and open an account in their own name or in the name of other individuals, the vehicles obtained from the loan contract concluded between the shareholders shall be owned by the company. The People's Bank of China shall not provide guarantee to any unit or individual.
Things to prepare for buying a car
There is also the income certificate of the company unit, as well as its own deposit certificate and so on. If you buy during the dealer's disposition period, you should sign a car purchase contract with the dealer. Then the last thing to be provided is the balance of a bank card. The balance of this bank card cannot be lower than the down payment. Only when dealers and banks know that everyone has a certain purchasing power will vehicles agree to borrow money to buy a car.
Then the last thing is to mortgage the car, such as the company's bank card or the rent. If there is no return at that time, then dealers and banks can also take the mortgaged things.
It is important to pay back on time.
The amount of collateral must exceed the amount of the loan vehicle, and only in this way can it be handled. Then if you borrow money to buy a car in the name of the company, you need to make records, such as prepayment, which is very important. Because once overdue, it will affect a company's reputation.
Certificates to be provided
The company's business license also needs to be brought. Only with a business license, dealers and banks will know that this company is formal. And if necessary, it is also necessary to provide banks and distributors with the company's annual income or monthly income. In fact, it is really troublesome to borrow money to buy a car and a house, but it is also to protect the legitimate rights and interests of dealers and banks.
According to the automobile loan management measures:
Chapter IV Institutional Automobile Loans
Article 18 The term "institutional automobile loan" as mentioned in these Measures refers to the loan granted by the lender to legal persons other than dealers and other economic organizations (hereinafter referred to as institutional borrowers) for the purchase of automobiles.
Article 19 A borrower applying for an institutional auto loan must meet the following conditions:
(1) Legal documents proving the borrower's subject qualification, such as business license of enterprise legal person or certificate of institution legal person, business license of branch legal person and business license of individual industrial and commercial households;
(2) It has legal and stable income or legal assets sufficient to repay the loan principal and interest;
(3) Being able to pay the prescribed down payment;
(4) No major breach of contract or bad credit record;
(5) Other conditions required by the lender.
Article 20 Lenders shall refer to the provisions of Article 15 of these Measures, establish independent credit files for each institutional borrower, and strengthen the tracking and monitoring of credit risks.
Article 21 When lending institutional commercial vehicle loans to institutions engaged in car rental business, lenders should monitor the borrower's estimation method of surplus value to prevent risks brought to lenders due to overvaluation of surplus value.
Can I borrow money to buy a car in the name of the company?
Yes, you can.
A company can buy a car in the name of a loan, but it needs to provide its business license, tax registration certificate and legal person ID card, and submit a loan application for approval by the bank.
However, the loan to buy a car in the name of the company can only be included in the after-tax expenses and cannot be deducted, but it can reduce the company's capital outflow.
Therefore, after borrowing money to buy a car in the name of the company, the company's financial treatment should be proper, and tax evasion is never allowed.
The specific process of buying a car in the name of the company is as follows:
1. customer application: the customer applies to the bank, fills in the application form in writing and submits relevant materials at the same time;
2. Signing a contract: After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate;
3. Loan issuance: After all formalities are completed, the bank will directly transfer the loan to the car dealer's account according to the transfer method agreed in the contract;
4. Repayment on schedule: The borrower shall repay the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;
5. Settle the loan.
legal ground
company law
Article 3 A company is an enterprise legal person, which has independent legal person property and enjoys legal person property rights. The company is liable for its debts with all its property. Shareholders of a limited liability company shall be liable to the company to the extent of their subscribed capital contribution; Shareholders of a joint stock limited company shall be liable to the company to the extent of the shares subscribed by them.
Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
Type of automobile loan
Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.
The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.
In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.