No, you are not the owner, and you have no original car procedures.
Without the original owner's ID card,
No mortgage.
Second, 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 the 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 specific requirements for handling car loans are as follows: 1. The applicant 18 years old or above 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 car owner loan and car loan: Ping An car owner loan is a loan that only needs the 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 difference is: 1. Loan amount: the loan amount of the owner's loan ranges from 300,000 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 years old (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). Overdue collection of car loans: 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.
3. How much can the company's vehicles be mortgaged?
To apply for a loan in the name of a company, you can use a car as collateral, but you need to meet some conditions:
1. The enterprise has independent legal personality and is a domestic-funded enterprise registered in the Administration for Industry and Commerce.
2. The car is under the name of the enterprise.
3. Only the company legal person or shareholders have the right to handle the vehicle mortgage loan on behalf of the enterprise.
Enterprise automobile mortgage application materials
The materials of the company's own vehicle mortgage loan are:
1, corporate identity card
2. Business license of the company
3, the company organization code
4. Tax registration certificate
5. Capital verification report
6. ID card of the agent (if the agent is illegal)
7. Official seal of the company
8. Motor vehicle driver's license
9. Motor vehicle registration certificate
Generally, it is converted by 70%.
Fourth, the company car can be mortgaged.
Investment management, asset management, investment consulting, investment consultants and other limited companies can be.
The process of registering a company:
1, name of industrial and commercial bureau (usually 3 working days, if the name is duplicate, the time is uncertain)
2. The bank opens a temporary deposit settlement account for capital contribution and reports to the accounting firm for capital verification (generally 5 working days).
3. Apply for a business license at the Industrial and Commercial Bureau (7- 10 working days).
4, to the Bureau of quality and technical supervision for organization code certificate (3-5 working days).
5. Then go to the tax bureau for tax registration certificate (3 working days).
Finally, it takes at least 7 working days to open a basic deposit account in a bank.