Personal business car loan refers to the car loan granted by the bank to natural persons for the purpose of making profits and engaging in legal production and business activities. Operating vehicles only refer to first-hand operating vehicles, including buses, trucks and construction machinery. Among them, construction machinery mainly refers to digging machinery (excavators) and scraper machinery (such as bulldozers, scrapers, loaders, flatbed trucks, forklifts, etc. ), hoisting machinery (crane), compaction machinery (roller), reinforced concrete construction machinery (such as concrete mixer, concrete mixer) and other construction machinery.
As there are differences among provinces, please consult the handling outlets or call our customer service hotline 95566 for details.
The above contents are for your reference. Please refer to the actual business regulations.
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 a 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 requirements for handling car loans are as follows:
1. Applicant 18 years old or above, and 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 owner loan and car loan:
Ping an car owner loan is a loan that only needs 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 differences are as follows:
1. Loan amount:
The loan amount of the owner's loan ranges from 300,000 yuan 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 (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).
Automobile loans overdue collection:
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.
The repayment methods of mortgage secured loans for children's operating vehicles and construction machinery are as follows
Hello, what you want to ask is the repayment method of mortgage-guaranteed loans for small working vehicles and construction machinery? There are mainly the following repayment methods:
1. Equal principal and interest: This repayment method is that the monthly repayment amount is the same throughout the repayment period (the proportion of principal and interest will change constantly, and the interest proportion will be large at the initial stage of repayment, and the interest proportion will decrease month by month and the principal proportion will increase month by month with continuous repayment). The calculation formula is: monthly repayment amount (principal interest) =.
2. Average capital: This repayment method is to divide the total loan into equal parts first, and then repay the same amount of principal and interest generated by the remaining loan in that month every month, so that the monthly payment will be less and less. The calculation formula is: monthly repayment amount (principal interest) = (loan principal ÷ repayment months) (loan principal-accumulated repaid principal amount) × monthly interest rate.
3. One-time repayment of principal and interest: This repayment method is to repay the loan principal together with the interest generated during the period on the day when the final repayment date expires.
4. Pay the interest first, then the principal: this repayment method only pays the interest every month, and pays off the loan principal and the current month's interest in one lump sum in the last month.
Is the interest rate high in automobile mortgage? Case analysis
Car mortgage refers to a loan that is applied for with a free car under its name as collateral, which is different from a loan to buy a new car. With the increase of vehicle age and mileage, the vehicles in automobile mortgage will wear and tear in all aspects, the evaluation value will decrease and the loan risk will increase. So, is the interest rate of car mortgage high? Let's take a look together.
1. Is the interest rate high in automobile mortgage?
In automobile mortgage, take the familiar Ping 'an car owner loan as an example. The annualized loan interest rate is divided into four grades: 12%, 14%, 16% and 18%. The annualized execution interest rate of performance insurance users is unified into the lowest annualized interest rate and the highest interest rate range. You can judge for yourself.
Personally, it's ok, but it's not high. After all, less than 24% can be protected by law. In other words, the interest rate that even the law considers reasonable protection is naturally not high.
Two, compare the interest rates of automobile mortgage and other loans.
1, operating loan
For example, the well-known online merchant loan, the online merchant bank under the Ant Group, provides loans to small and micro operators, and its daily interest rate is generally around 0.04%-0.05%, which translates into an annual interest rate of about 14.4%- 18%.
2. Small consumer loans
For example, the micro-loan launched by Tencent's Weizhong Bank, the daily interest rate is calculated on a daily basis, and the annual interest rate is probably a good loan launched by Zhaolian Consumer Finance, and the annual interest rate of the loan is between; The revolving loan launched by China Post Consumer Finance has an annualized interest rate of.
Therefore, the interest rate range of some commercial loans and small consumer loans is actually similar to that of automobile mortgage, which is reasonable, protected by law and not too high.
The above is about "Is the car mortgage interest rate high?" I hope I can help you.
40 small business vehicles and construction machinery mortgage loans in principle, the longest loan period is not
Does the subject want to ask "40 small commercial vehicles and construction machinery mortgage loans, in principle, the longest loan period is not more than a few years"? Five years. Small motor vehicles refer to motor vehicles engaged in profit-making road transportation business activities, that is, they generate and obtain economic benefits through transportation related to business activities. Construction machinery and vehicle secured loans refer to RMB secured loans issued to borrowers who purchase or lease designated brand construction machinery from special dealers. The fixed term is about 1-3 years, and the longest loan term does not exceed 5 years.