In most cases, after the owner has completed the car loan business, the motor vehicle registration certificate of the car is also called the green book. In order to handle the formalities of loan business, the staff will mortgage the motor vehicle registration certificate in the corresponding bank or auto financing company, not in the hands of the owner himself.
Some car owners have reported that the motor vehicle registration certificate is in their own hands. It may be that the owner has handled the license plate business himself, not the staff of the 4S shop, so it will be in his own hands. At this time, even if the owner holds the motor vehicle registration certificate, the certificate also shows the mortgage, and the ownership of the car is not the owner himself.
Therefore, the car owner handled the license plate business himself and took the Green Paper in his own hands. Then, after handling the license plate, it is best to return the motor vehicle registration certificate to the staff of the 4S shop and take it to the bank or auto financing company for safekeeping. Don't keep it for yourself, lest you get into trouble.
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Is BYD auto finance loan easy to borrow? That's all I'm asking!
In recent years, BYD has developed rapidly and won the trust of many consumers. Now, BYD Auto has also set up its own auto finance company. So, is BYD's auto finance loan easy to borrow? Let me introduce the relevant content here.
There are many loan products of BYD Auto Finance, such as discount loans, quick loans, standard loans and electric future discount loans. Introduce the application conditions of these loan products for everyone.
discount loan
Loan discount is a loan product provided by BYD Auto Finance for all F3 customers. You can enjoy the preferential interest rate of 12, and you can avoid bank run and real estate mortgage. The application conditions are: (1) holding my second-generation ID card; (2) Down payment of more than 20% of the total car price.
Quick loan
Quick loan is a loan for BYD customers of various models. There are fast loans and lightning loans, and the approval speed is extremely fast. The application conditions for quick loan are: (1) holding my second-generation ID card; (2) The down payment is more than 20%; (3) The loan amount shall not be less than 30,000 yuan. The application conditions for lightning loan are: (1) the lender's valid ID card; (2) The down payment is more than 20%; (3) The loan amount shall not be less than 60,000 yuan.
Standard loan
Standard loan is a loan provided by BYD Auto Finance to passenger car customers with a term of 12-36 months. It has the characteristics of equal monthly payment and no arrears. The application conditions of standard loan are: (1) down payment ≥ 20%; (2) The purchased model must be a BYD passenger car.
Power futures discount loan
The electric future discount loan is a loan product specially designed for electric vehicle customers. The longest term is 36, and there are three loan methods. The loan amount of 18 exclusive loan with 0 interest rate cannot be higher than 75,000 yuan; The loan amount of 24 exclusive loans with 0 interest rate cannot be higher than 72,000 yuan, and the down payment of 36 exclusive loans with interest discount should be higher than 40%.
It is not difficult to see from the application conditions of the above loan products that BYD auto finance loans are still relatively easy to borrow.
Why didn't my BYD financial loan check the credit information?
BYD Finance did not specify users' credit requirements. General financial institutions will check users' personal credit information before lending. Personal credit information refers to the activities of a legally established personal credit reporting agency to collect and process personal credit information according to the requirements of users, and to provide personal credit information inquiry and evaluation services. Personal credit report is a personal credit history record that the credit reporting agency processes and sorts out the information collected according to law and finally provides it to legal information inquirers according to law.
Advantages of BYD's financial simple loan
Its advantages are as follows:
1. new energy exclusive loan: new energy exclusive loan is a financial product launched by BYD Qin and Tang users. The advantages of this product are low interest rate, less information provided and fast approval speed. From the down payment ratio of 20%, customers can apply by providing ID card, driver's license, bank account and other information.
2. Quick loan: Quick loan is a financial product for people with down payment ratio ≥50% or loan amount ≤ 40,000. The advantages of the product are low threshold and low monthly loan amount.
3. lightning loan: an id card can be approved within 3 hours at the earliest, and the loan can be released on the same day. The loan period is 12-36 months from the down payment of 30%. Applicable models: BYD's main fuel vehicle.
Is BYD's Green Paper on Financial Mortgage Reliable?
Reliable.
If you can't pay in full when you buy a car, you can mortgage the Green Paper in the relevant bank or institution. BYD financial institutions are relatively formal companies with good reputation and can be trusted.
BYD Auto Finance Co., Ltd. was established on February 6, 2005, and its legal representative is Zhou Yalin. Licensed business projects include providing auto loan business, issuing financial bonds, selling and handling the residual value of leased cars, etc.
What product schemes does BYD auto financing loan have?
1, discount loan
(1) discount loan for SUV (Song MAX, Song Yuan, S7 fuel truck)
Product features: 12 0 interest rate, down payment ≥ 30%; 24 ultra-low interest rate, down payment ≥ 20%; 36 ultra-low interest rate, down payment ≥30% (limited time).
(2) Three-series discount loan (all F3 models) is a inclusive finance scheme for F3 users, which is free of running water and real estate.
Product features: 12 zero interest rate, 24 ultra-low interest rates and 36 ultra-low interest rates (limited time); Down payment ≥20%, 1 ID card.
2. Power futures discount loan
(1) Features of future discount loan products: 18 enjoys 0 interest rate loan (loan amount ≤ 75,000), 24 enjoys 0 interest rate loan (loan amount ≤ 72,000) and 36 enjoys discount loan (limited time); Down payment ≥40%.
(2) Features of future VIP discount loan products: 18 zero-interest VIP loan, 24 zero-interest VIP loan (loan amount ≤ 72,000) and 36 discount VIP loan (limited time); Down payment ≥20%. Applicable cities: Beijing, Shanghai, Guangzhou, Shenzhen, Xi, Tianjin, Dalian, Xiamen, Changsha, Wuhan, Hangzhou and Qingdao.
3. Quick loans
(1) quick loan-quick loan: down payment ≥ 20%; Loan amount ≤ 29,999; 1 ID card;
(2) fast loan-lightning loan: down payment ≥ 20%; The loan amount is ≤ 60,000; 1 ID card
4. Standard loans
Product features: during the loan period, the monthly payment is equal; The down payment is as low as 20%; The loan term is 12-36 months.
So much for the introduction of BYD's financial loan.