You must pay the deposit. You can buy a car with a mortgage loan and transfer from Guiyang to Tongren for registration. According to the relevant national regulations, as long as the vehicle has a formal invoice, certificate of approval, purchase tax and compulsory insurance, you can go through the household settlement procedures when you buy a new car in any formal automobile trading market in the country. When licensing, the owner only needs to provide:
Original and photocopy of the certificate;
Original invoice for car purchase;
Purchase tax;
Owner's identity card;
Compulsory insurance policy.
To sum up, vehicles purchased by mortgage loans can be registered in different places and need to be insured. If there is no insurance, accidents will occur in this process, and all losses will be borne by individuals.
Which bank in Guiyang can lend money to Ford Sharp?
At present, China Merchants Bank has personal car consumption loans, which are issued by our bank to customers who buy brand-new non-operating cars under my name. It is used to pay for the car purchase, and it is impossible to lend cash. (Second-hand car loans are not supported at present) If you have seen the car you need to buy through the car dealer, you can confirm whether you have cooperation with China Merchants Bank through the car dealer. If not, you can try to contact the personal loan department at the counter of China Merchants Bank directly to apply for a loan for you. The handling bank needs to examine your situation in detail to determine whether you can handle it. The maximum loan amount is 2 million yuan. And the maximum loan amount does not exceed 70% of the price of the purchased vehicle (excluding various additional taxes and premiums); The loan term is generally not more than 3 years, and the longest is not more than 5 years.
Application materials generally required for applying for a loan:
1. Identification information
2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.
3. Proof of local residence: fixed telephone bill for any three months in the past year, or public utility bill such as water and electricity bill, or other materials that can prove the address.
4. Guarantee certification materials
5. Proof of use: For example, a car loan means providing a full car purchase invoice before the loan is issued, or providing a car purchase agreement (contract) plus a down payment invoice (or a receipt stamped with the dealer's official seal). After the loan is issued, the full car purchase invoice (if not provided before the loan is issued) and the vehicle purchase tax payment certificate must be provided.
6. Proof of repayment ability: our payroll customers can directly provide their payroll account flow; Social security account flow or personal tax bill, etc.
If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.
The Construction Bank of Nanming District of Guiyang borrowed money to buy a car.
Please go to the local bank loan center and apply for a car loan with relevant information and supporting documents.
The object of personal car loan:/kloc-citizens over 0/8 years old with full capacity for civil conduct; Have legal identity documents, local permanent residence or valid residence certificates.
Necessary conditions for applying for personal car loan: the borrower must have a stable professional income or assets that are easy to realize, enough to repay the loan principal and interest on schedule; The lender's own funds are sufficient to pay the down payment for car purchase stipulated by the Construction Bank; The lender must provide a guarantee recognized by the bank; The lender is willing to accept other conditions deemed necessary by the bank.
Term and interest rate of personal car loan: the term of personal car loan varies according to the credit status of customers and the purpose of purchased vehicles. Among them, the purchased vehicles are used for rental operation, car rental and transportation operation, with a maximum period of 5 years and a maximum period of 3 years for freight transportation. The loan interest rate shall be subject to the loan interest rate stipulated by the People's Bank of China for the same period, and shall be allowed to fluctuate according to the regulations of the People's Bank of China.
Personal auto loan amount: Customers who have reached Grade A or above according to the bank's personal credit evaluation method can apply for auto loans with the purchased vehicles as collateral, and the maximum loan amount is 80% of the sales amount of the purchased vehicles. If the borrower pledges with government bonds, financial bonds, national key construction bonds and personal certificates of deposit issued by banks, the maximum loan amount shall be 90% of the value of the pledge certificate. If the borrower takes the house, other things fixed on the ground or the legally obtained state-owned land use right as collateral, the maximum loan amount is 70% of the assessed value of the collateral. If the insurance company provides installment repayment guarantee insurance, the maximum loan amount is 80% of the car sales amount; The maximum loan amount for purchasing a re-traded vehicle is 70% of its appraised value. Where a third party joint liability guarantee is provided (except banks and insurance companies), a loan amount is set for the borrower (or guarantor) according to the personal credit evaluation method of the bank, and the maximum loan amount is 80% of the automobile sales amount; If you buy a re-traded vehicle, the maximum loan amount is 70% of its appraised value.
Procedures for handling automobile consumption loans: customers can choose two modes: one is to select the car to be purchased at the bank's special dealer, sign a car purchase contract or agreement with the dealer, and then apply for a loan through the dealer; Second, customers apply for loans directly at bank outlets. After the guarantee procedures are implemented, customers can choose dealers to buy their own satisfactory vehicles.
Necessary materials for applying for a loan: loan application, valid identity documents, occupation and income certificates, basic family information, certificates or documents required for guarantee, car purchase contract or agreement and other conditions required by the lender when applying for a loan through a dealer.
If the borrower takes the purchased vehicle as collateral, its insurance policy, car purchase invoice and other documents shall be kept by the bank during the loan period. During the contract period, the bank has the right to supervise the borrower's income and collateral, and supervise the guarantor's reputation and compensatory ability, and the borrower and guarantor should provide assistance.
Can I get a license to buy a car with a loan?
Loans to buy a car can be applied for in different places.
The public security traffic management department does not restrict the location of car purchase when handling motor vehicle registration. People who buy cars in other places can register according to the prescribed procedures with legal certificates and vouchers.
However, in some big cities, due to environmental considerations, local governments decided to have the environmental protection department check the automobile exhaust emissions. For example, motor vehicle emission standards implemented in Beijing and Shanghai are relatively high. Therefore, before buying a car, they should consult the local environmental protection department to find out whether the purchased vehicle meets the local emission standards.
Extended data
The Regulations on Motor Vehicle Registration stipulates that:
Article 6 The owner of a motor vehicle shall go to the motor vehicle safety technical inspection institution to conduct safety technical inspection on the motor vehicle, and apply for registration after obtaining the certificate of motor vehicle safety technical inspection. However, motor vehicles imported by the customs and those exempted from safety and technical inspection as determined by the competent department of motor vehicle products in the State Council are excluded.
Motor vehicles exempted from safety technical inspection shall be subject to safety technical inspection under any of the following circumstances:
(a) domestic motor vehicles have not applied for registration within two years after leaving the factory;
(two) the motor vehicle imported by the customs has not applied for registration within two years after import;
(3) A traffic accident occurred before registration.