Generally, there is no need to mortgage the vehicle. Lending institutions will only collect the motor vehicle registration certificate and then go to the vehicle management office for mortgage. If the vehicle needs to be mortgaged, it needs to be kept by the lending institution first, which also brings inconvenience to the lender's daily travel.
Because there will be a mortgage record in the vehicle management office after the vehicle mortgage loan, the lender must go to the vehicle management office to go through the formalities of car release in time after paying off the vehicle loan. If the vehicle is not released, it cannot be said that the vehicle belongs to the lender.
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What about selling a car with a car loan?
It should be clear that after the car is mortgaged to a financial institution, the financial institution has no right to dispose of the borrower's car at will without the borrower's consent.
According to the regulations, if the creditor transfers its rights, it shall notify the debtor. Without notice, the assignment is invalid to the debtor. The notice of the creditor's transfer of rights shall not be revoked, except with the consent of the transferee.
In this case, if it is a mortgage car and you still owe money to the bank, you can entrust the bank to tow the car away. After all, the car is mortgaged to the bank, which is the first creditor. As soon as it arrives, measures can be taken to collect the car. If it is sold by other financial institutions, the borrower can also directly find the car and forcibly drive it back.
The most important thing is how to repay the subsequent car loan. In principle, the transaction of this vehicle needs the consent of the mortgagee, otherwise the vehicle cannot be traded.
In short, if the borrower's car is sold privately. It is ok for the original owner to redeem the car or drive it back to talk about repaying the loan. When dealing with collateral, it must be auctioned and transferred in accordance with the requirements of national laws.
How to handle Wuhan automobile mortgage?
Parking conditions are not applicable to automobile mortgage:
1. The applicant is at least 18 years old and has full capacity for civil conduct;
2. The applicant has a stable job and income, and has all the rights of local mortgaged vehicles;
3. The applicant has a fixed residence in the city where the loan company conducts business;
4. The applicant can provide motor vehicle registration certificate, driving license, additional proof of purchase tax (original) and car purchase invoice;
5. The applicant can provide insurance policy, travel tax and relevant tax vouchers for imported vehicles;
6. Other conditions stipulated by the lending institution.
Automobile mortgage without automobile mortgage.
You can apply for a car loan without a car. There are two kinds of loans: secured and unsecured and secured and unsecured. The former only needs to mortgage the motor vehicle registration certificate without mortgage, while the latter directly mortgages the vehicle. When users apply for car loans, they usually need to use cars, so the loan form without car mortgage is more suitable for users. In addition, if the user wants to mortgage the vehicle, he can negotiate with the lending institution.
In short, lending institutions will only lend to users if they receive collateral, mortgages or cars that meet the requirements.
The conditions for handling mortgage loans are as follows:
1, aged between 18 and 60 years old, with full capacity for civil conduct;
2. The applicant owns a Class I motor vehicle in the local vehicle management office, and the ownership of the vehicle belongs to the borrower;
3. Have a local loan account and permanent 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.
Can you mortgage a car without paying for it?
Car mortgage does not require a car as collateral, but a vehicle registration certificate should be used as collateral.
According to Article 34 of the Guarantee Law of People's Republic of China (PRC), the following properties can be mortgaged:
(1) Houses and other things fixed on the ground owned by the mortgagor;
(2) Machines, means of transport and other property owned by the mortgagor;
(three) the right to use state-owned land, houses and other fixed objects on the ground that the mortgagor has the right to dispose of according to law;
(4) State-owned machinery, vehicles and other property that the mortgagor has the right to dispose of according to law;
(five) the land use right of barren hills, gullies, hills and beaches contracted by the mortgagor according to law and mortgaged with the consent of the employer;
(six) other property that can be mortgaged according to law.
The mortgagor may mortgage the property listed in the preceding paragraph together.
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Article 39 of the Guarantee Law of People's Republic of China (PRC) shall include the following contents:
(1) The type and amount of the secured principal creditor's rights;
(2) The time limit for the debtor to perform the debt;
(3) Name, quantity, quality, condition, location, ownership or right to use the mortgaged property;
(4) The scope of mortgage guarantee;
(five) other matters that the parties think need to be agreed.
If the mortgage contract does not fully comply with the provisions of the preceding paragraph, it may be supplemented.
Article 40 When concluding a mortgage contract, the mortgagee and the mortgagor shall not stipulate in the contract that the ownership of the mortgaged property shall be transferred to the creditor when the mortgagee is not paid off at the expiration of the debt performance period.