To start an automobile mortgage company, the following conditions shall be met:
First, the conditions stipulated by the state.
1, with fixed production and business premises and necessary business facilities;
2. Have a fixed staff;
3. Necessary fixed funds;
4. High annual production and operation amount or seasonal production and operation for more than 3 months;
5. It has a correct and clear production and business scope and conforms to the relevant provisions of national policies and decrees. 1. Simply put, auto mortgage can get cash flow and circulation quickly and efficiently, and help borrowers realize capital circulation. Moreover, the advantage of this method is that the borrower's car doesn't need to be sold. When it comes, he can get the ownership of the car back through repayment, which avoids the cost increase and energy consumption caused by buying a car again. From this perspective, automobile mortgage's advantages are obvious. At the same time, it also avoids the embarrassment of borrowing money from friends and related people, and more importantly, it avoids others from knowing their own situation. No matter how flexible it is or how to maintain its reputation, it has helped borrowers well. Therefore, this method is more humanized and convenient, and is welcomed and chosen by people.
2. Although it is a good policy for financial institutions to require borrowers applying for vehicle mortgage loans to take out insurance for mortgaged vehicles to ensure the safety of their creditor's rights, this model does not provide strong protection for the mortgagee of vehicle mortgage loans because of the multiple dangers faced by the mortgagee's priority right. Specifically, (1) in the case of collateral damage or loss, although the mortgagee of vehicle mortgage loan has the priority to be compensated for the insurance money obtained from collateral damage or loss according to the relevant provisions of the Civil Code, the law does not give the mortgagee the right to access and control the insurance money.
(2) When the mortgagor of the vehicle mortgage loan applies for insurance, he shall agree with the insurer on other contract beneficiaries or other creditors with priority. After getting out of danger, the insurer performs the obligation of compensation according to the insurance contract, resulting in the mortgagor losing the priority of compensation, or the mortgagor is lazy in exercising or preemptively exercising the right of compensation, resulting in the invalidation of the mortgagor's priority of compensation.
What does automobile mortgage do? Look, there is a direction here.
When it comes to automobile mortgage, many people only know that they can mortgage their cars in exchange for a certain amount of mortgage loans, but they don't know how to do it in automobile mortgage and what is the process in automobile mortgage. So, let's see.
First, what does automobile mortgage do?
1. Find a car mortgage agency and apply for a loan;
2. Submit my basic information and vehicle information;
3. The lending institution conducts investigation and review, evaluates the comprehensive qualification of the applicant, examines the mortgaged vehicle and evaluates the value of the vehicle;
4. After comprehensive consideration, the lending institution will give a specific mortgage loan amount;
5. Both parties reach an agreement, sign a mortgage loan contract, and entrust notarization as appropriate;
6. Lending institutions temporarily withhold the applicant's motor vehicle registration certificate, insurance policy and other documents;
7. Go to the vehicle management office at the place of registration for vehicle mortgage registration;
8. Issue loans and repay them on time.
Note: After automobile mortgage pays off, it is necessary to find a loan institution to retrieve the corresponding mortgage certificate, issue a loan settlement certificate, and then go through the formalities of cancellation of mortgage registration at the vehicle management office. If there is a mortgage, the mortgage will be cancelled. After the cancellation, the whole mortgage loan process is really over.
Second, a warm reminder
1. When checking the car, ask if there is any inspection fee and how much. Some lending institutions do not charge inspection fees, and mortgage loans are 0 handling fees.
2. When signing a mortgage loan contract, we should pay attention to the loan interest rate, loan term, repayment method, whether to support early repayment, whether there is liquidated damages for early repayment, etc.
The above is about "how to be a automobile mortgage", I hope it will help you.
How about doing car mortgage business?
Some time ago, a fictional friend of mine, Zhang San, bought a 20 15 Mercedes-Benz S400 mortgage car, which only cost 300,000 yuan. He was so happy that he could have a normal annual inspection and bought insurance.
But I didn't expect the car to be stolen twice in two months, and calling the police couldn't solve the problem. In the end, I'll suffer a dumb loss myself.
There is no way to transfer the mortgage car.
Buying a mortgage car is actually a transfer of creditor's rights.
The reason why you can buy a good car and luxury car with such a small amount of money is because the mortgaged car is only a transfer of creditor's rights, not a car sale.
What do you mean by that? So, A mortgaged his car to B, and B lent him some money. After the expiration, A said, "I have no money." B has his hands spread out, so he can only take A's car at a low price and order books back and forth.
Zhang bought a car from B, and the contract he signed was actually a creditor's right transfer contract. As the saying goes, Zhang San stays in the car, and then A owes Zhang, which has nothing to do with B.
There is no way to transfer your car.
Even if Zhang San bought such a mortgage car, it is actually not Zhang San's.
Let's be clear: there are two kinds of mortgage cars. One is a car bought with a loan. The car loan was not returned, and the green paper mortgage was stamped. This state still exists.
The other is to buy a car in full or the car loan has been paid off, and the owner mortgages or pledges the car to a financial institution.
According to Article 20 of the Regulations on Motor Vehicle Registration, motor vehicle transfer registration shall not be handled during mortgage registration and pledge filing.
What do you mean? No matter what kind of mortgage car, there is no way to transfer ownership.
The car will be stolen.
The original owner may have made multiple mortgages.
Except that there is no way to transfer ownership, the mortgage car is easy to be stolen after it is bought.
Who stole Zhang's S400?
In fact, a car may be mortgaged and pledged at the same time, or even illegally mortgaged many times, which means there are several creditors.
In addition, if the creditor can't collect the debt, will he also come and take the car away? This S400, you dumped a key and drove away.
There may be four keys in the cart. If you go downstairs tomorrow, it will be gone. That's how Zhang San's S400 was lost.
Some bold "black-hearted" businessmen even sold their cars and stole them back a few days later. Why? Sell it again.
Therefore, mortgage cars are generally equipped with GPS modules, and I don't know when they will disappear. It depends on these things to get it back.
For economic losses, you can only sue the person who sold you the car.
Zhang San thought the car was stolen, but I can't say whether it was stolen or not. It's downstairs anyway. It's gone.
Generally speaking, the police will not file a case. Why? It's not like the store advocates three people. Only when our own things are stolen can we call the police. How can I call the police when someone else's things are stolen? correct
What kind of loss is this actually called? This is called economy. Not for the police, but for them.
Didn't you just say that? Mortgage sale is actually the transfer of creditor's rights, that is, the money owed is not paid back. It means: if you can't get the car back, you can get the money back and you can only go to court.
Even if the lawsuit was won, the original owner said, "I really have no money." Raise your hand again.
The money obtained after the car auction should also be paid off in order.
According to Article 4 14 of the Civil Code, if the same property is mortgaged to more than two creditors, the proceeds from auction and sale of the mortgaged property shall be paid off in the order of registration of the mortgage contract.
Article 415 stipulates that when the legally registered mortgage right and pledge right of the same property coexist, they shall be paid off at the effective time.
Simple: Zhang San is unlucky. He was the last person to deliver the package to buy it. Well, everyone else has to finish first. There is hardly anything left here.
At this time, you can only go to the car seller, go to court, negotiate, report ... all kinds of things, right? Very tired and troublesome.
Also beware of whether the car is stolen or robbed.
Finally, there are some "black-hearted" merchants who tell you that they are mortgage cars on the surface, but they are not. What is this? So is the waterwheel.
It's like: the fruit in the cart of the fruit vendor is actually quite sweet. Does it taste good? Someone else's house stole it. Maybe this car belongs to someone else, too.
This is more troublesome. Just buy fruit to eat. At most, it's "oops", right?
If the car is found on the road, it may bear a series of legal responsibilities. Even if you can prove your innocence, it's quite troublesome. People can ignore the time cost, right?
Never buy a mortgage car.
So generally speaking, unless 100% is certain, the car is only a mortgage, and there are green copies, driving licenses, invoices and other materials.
Otherwise, ordinary people should never be greedy and buy a mortgage car or a luxury car. After buying the car, it may not be your own, so there is no way to transfer it.
Besides, it's no use calling the police if you lose it. The lawsuit is quite troublesome. It is not clear whether you can get the money after winning. No one will pay for the time spent in between, which means a bottomless pit.
Which channel is the best for buying a car with a loan?
Not only buying a mortgage car is easy to be pitted, but also buying a new car with ordinary loans should keep your eyes open. Different loan channels, different prices, different risks and different terms.
Why do some people borrow money for convenience and comfort, and then recommend other friends, and some people borrow it later, but relatives and friends don't? What the hell happened?
When many 4S shops sell cars to you, they say they will install GPS and charge us. We don't borrow money. Why do you want to install this thing?
Keywords: loans
It's easy to know this. Just reply to the keyword "loan".
Every day, I will give you a practical dry car, including text, audio and video. Just choose your own convenient version, and "Spare Tire Says Car" is waiting for you to play.
involve
Motor vehicle registration regulations
People's Republic of China (PRC) Civil Code
Do you make money by starting a car mortgage company?
Mortgage car is now accepted and needed by more and more people. More people buy, and naturally make money.
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. At present, the main purpose of loans secured by automobiles is automobile consumption. Of course, cars depreciate rapidly, and traffic accidents are likely to affect the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage. The emergence of Renrenbao, a service platform in automobile mortgage, has provided a new channel for people with private cars to borrow short-term financing.
Earn interest mainly from loans.