1, apply. If you are going to use your car for mortgage loan, you should first prepare the corresponding information and apply to the loan bank. Fill in the loan application form and fill in the corresponding information when applying.
2. Review the materials. After receiving the information of the loan applicant, the bank will review the information submitted by the loan applicant according to the internal requirements of the bank, but the review will inform the loan applicant of the specific reasons, and then inform the applicant to proceed to the next step after the review is passed.
3. Evaluate the vehicle. After the data is approved, the loan audit will entrust the corresponding vehicle evaluation agency to evaluate the vehicles submitted by the loan applicant, and the evaluation fee will generally be paid by the loan applicant.
4. Determine the quota. After completing the vehicle value assessment, the bank will determine the loan amount for the loan applicant according to the assessed price of the vehicle.
Step 5 go through the formalities. After determining the loan amount, go through the loan procedures according to the bank's loan requirements. The specific procedures may be different for each bank, depending on the whereabouts of the lending bank.
6. Conduct notarization. After the loan procedures are completed, the loan contract of both parties needs to be notarized, and the notary office will issue a notarial certificate, which will be put together with a set of loan materials and kept as files.
7. Admission documents. After the notarization is completed, the loan bank will provide the relevant information of the mortgaged vehicle, such as the original motor vehicle registration certificate, according to the corresponding requirements.
After the above procedures are completed, the bank can issue loans to the applicant according to the contract. After the loan is paid to the applicant's account, the whole automobile mortgage process is completed.
How to mortgage a car loan
Handling process of automobile mortgage: 1, and the lending institution will evaluate the vehicle free of charge; 2. The lending institution will grant the loan amount according to the value of the vehicle and the actual situation of the customer; 3. Lenders choose loan products according to their own needs (loan cycle, parking, etc.). ); 4. Both parties sign a formal contract and go through the corresponding formalities; 5. Loans from lending institutions.
Automobile mortgage is very convenient to handle. Generally, you can apply on the same day, apply on the same day, and lend on the same day. For car mortgage, you can consult Amway loan. It doesn't matter if the company has a car. The procedure is simple, and you can lend money on the same day, which is trustworthy. Need money badly? Find a safe way! You can get a loan if you have a car! Conditions and procedures of automobile mortgage:
1, owner's ID card.
2. Motor vehicle driver's license.
3. Motor vehicle registration certificate.
4. Vehicle compulsory insurance and vehicle commercial insurance policies within the validity period.
5. Vehicle spare key.
Want to know more about car mortgage, I recommend consulting Amway car loan. Anmeitu Group was established in 2005. Backed by the strong financial strength of Anmeitu Group, the loan interest rate is relatively advantageous in the industry, and the fees are open and transparent. There are direct stores in Shanghai, Chengdu, Xi, Wuhan, Shenzhen, Chongqing, Beijing, Kunming, Guangzhou and Shihezi, Xinjiang. The service is very professional and has a good brand awareness in the automobile mortgage industry. Customers have many product choices, flexible operation and standardized process, and have a good reputation among old customers.
What is the process of car mortgage loan?
Procedures for handling automobile mortgage:
1. Handling the automobile mortgage registration: Fill in the Application Form for Motor Vehicle Mortgage/Cancellation with the motor vehicle registration certificate, the identity certificates of the mortgagee and mortgagor, the master contract and the mortgage contract;
2. Cancellation of automobile mortgage registration: hold the motor vehicle registration certificate and the identity certificate of the mortgagee and mortgagor → fill in the Application Form for Motor Vehicle Mortgage/Cancellation of Mortgage Registration, affix the official seal of the company → accept, print and distribute it at Window 3.
Materials to be prepared for automobile mortgage:
1, valid proof of the owner's identity. Such as ID cards, household registration books and other materials.
2. Vehicle ownership certificate.
Extended data
Relevant regulations
1. Determination of loan interest rate: The lender determines the interest rate of each loan according to the upper and lower limits of loan interest rate stipulated by the People's Bank of China, and specifies it in the loan contract;
Two. Collection of loan interest: Lenders and borrowers shall collect or pay interest on schedule in accordance with the loan contract and relevant interest-bearing provisions of the People's Bank of China. When the loan extension period plus the original term reaches the new interest rate grade, it will be charged at the new term grade interest rate from the date of extension. Penalty interest is charged for overdue loans according to regulations.
3. Loan interest subsidy: According to the national policy, in order to promote the economic development of certain industries and regions, the relevant departments may subsidize the loan interest. Loans subsidized by relevant departments shall be independently examined and issued by the undertaking bank, and strictly managed in accordance with the relevant provisions of the General Rules for Loans.
Four. Suspension, interest and interest loan: Except as stipulated by the State Council, no unit or individual has the right to decide suspension, interest and interest. The Lender shall, according to the decision of the State Council, specifically handle the cessation, interest reduction and interest-free according to the scope of duties and authority.