1. What are the requirements for car mortgage?
1, the owner must be himself;
2. The actual condition of the vehicle is valuable after evaluation;
3. The car has no illegal record.
4. At present, the car has no mortgage;
5. The loan applicant has valid identification and full capacity for civil conduct;
6. Can provide a fixed and detailed address certificate;
7. The loan applicant has a stable occupation and the ability to repay the loan principal and interest on schedule;
8. Personal social credit is good;
9. Car purchase contract or agreement approved by the loan bank.
Chengdu automobile mortgage process
1, consult a regular auto mortgage company for loan amount and interest;
2. Submit the materials required for Chengdu automobile mortgage to the company; Information generally includes: motor vehicle registration certificate, vehicle driving license, bank account number (some companies' WeChat and Alipay accounts are valid), credit report, vehicle insurance policy and spare key.
3. The company evaluates the current value of the vehicle;
4. Determine the loan amount, term, interest rate and repayment method (the loan amount is generally 70-80% of the vehicle appraisal price).
5. Formally sign a loan contract with the company, handle vehicle mortgage registration and install GPS.
6. Bank account where the company lends money to the applicant.
Matters needing attention in Chengdu automobile mortgage:
1, interest problem
Generally speaking, the interest on car loans in the market is higher than that on mortgage loans. Generally speaking, most bank loans are between 0.6%- 1%, while the interest of auto mortgage companies is between 0.8%- 1.5%. We see many advertisements with lower interest rates than the market. After signing the contract, I found that the repayment was not the same as advertised. Therefore, when handling automobile mortgage, you must read the contract carefully before signing it.
2. The contract amount is inconsistent with the amount actually received.
The applicant actually received 80,000 yuan, and the contract amount was 654.38+10,000 yuan, which was 20,000 yuan higher. The company will inform us that the money is a deposit, and if there is any overdue record, the money will not be deducted or refunded. This is charging high interest in disguise.
What does Chengdu automobile mortgage need?
First, the car mortgage and the vehicle:
1, ID card:
I am within the validity period;
2. Bank card:
My name and real name number;
3. Driver's license:
Within the validity period of vehicle annual inspection;
4. Vehicle registration certificate:
Unsecured vehicles;
5. Driver's license:
A driver's license under my name;
6. Insurance:
Commercial insurance pays strong insurance.
Second, the car mortgage requirements for vehicles:
1, vehicle age:
More than 7 years, some vehicles can be used as knives for 8- 10 years;
2. License plate area:
Nationwide, some products can only be made locally;
3. Car condition:
It is required that the car be in good condition, and most of the car soaking and accident cars are not good;
4. On-site time:
What's the difference between a mortgage and two mortgages?
We often say that primary mortgage or secondary mortgage is simpler and more flexible, but what is primary mortgage and secondary mortgage? What's the difference between one mortgage and two mortgages? First of all, we must be clear about what a house is.
Most of them have to go to the household or transfer to the household for more than 2 months;
5. Vehicle appraisal price:
≥ 40,000;
6. Kilometers:
/kloc-within 0/50,000-200,000 km.
Third, the requirements of automobile mortgage for people:
1, age:
General requirements are between 18-65 years old. Parents need to borrow from 18-22, and children need to borrow from 60-65;
2. Marriage:
Unmarried people have no specific requirements, and married people need to provide spouse identity information;
3. Occupation:
There are no strict requirements, and some will limit the public security inspection law;
4. Credit investigation:
Liabilities, overdue, and inquiry times vary from bank to bank, and most of them do not last for two consecutive years; Some banks cannot handle white families;
5. Persons involved in litigation/execution/lending/dishonesty:
This piece is still a yellow line, which needs to be solved before it can be done.
Four, vehicle mortgage loan processing channels:
What companies are there in Chengdu auto mortgage loan?
One: Chengdu prospers and benefits.
Chengdu Xingbaihui Loan Company was established on 20 12 and has been rooted in Chengdu for six years. At present, the company's business involves loan services, credit loans, mortgage loans, mortgage loans, mortgage loans and so on. , providing more than 65,438+000 kinds of loan products, establishing strategic partnership with 268 lending institutions, providing professional services to more than 65,438+020,000 customers in six years, and accumulating loans of 22.5 billion yuan, which is a good choice for Chengdu friends to solve problems.
Two: An Meitu
At present, the market layout of Anmeitu has covered Shanghai, Chengdu, Beijing, Guangzhou, Shenzhen, Xi, Kunming, Chongqing, Wuhan, Shihezi and other 10 cities. During this period, Shanghai Group's headquarters was transformed into 20 13, which started the pace of national expansion. 20 15 Chengdu, Xi' an, Chongqing and Xinjiang branches opened one after another; On 20/0/6, KLOC opened five stores and set up branches in Wuhan, Shenzhen, Beijing, Kunming and Guangzhou. In 20/0/7, KLOC opened two branches in Shanghai, Minhang and Pudong, and initially completed the nationwide 13 store layout. Anmeitu is committed to becoming a benchmark enterprise in the financial leasing service industry.
Three: Jin Ju Pawnshop
Sichuan Jinju Pawnshop Co., Ltd. was incorporated in Sichuan Administration for Industry and Commerce on February 28th, 2005 with a registered capital of100000. During the 14 years of the company's development, we have been providing customers with good products and technical support and perfect after-sales service. Our company is mainly engaged in pawn business (pawning of movable property and real estate such as automobiles, real estate and luxury goods). Tel:18140228813 (projects that need to be approved according to law can only be operated after being approved by relevant departments).
The company has a group of financial risk control experts, luxury appraisers and perfect after-sales team, which provides senior strength for the company's operation. After years of deep cultivation in the industry, we constantly explore the development direction and innovate new models. Up to now, various businesses have been steadily promoted, including pawn business such as automobiles, houses, watches, bags, jewelry, gold bricks and stones, digital products, equity, bank acceptance bills, etc. Give full play to the role of pawn in helping private capital turnover. Jin Ju pawnshop has been trusted by customers for many years and received favorable comments from the industry. At present, it has been successfully incorporated into the governing unit of Sichuan Pawnshop Association and the member unit of Chengdu Pawnshop Association. Everyone can give priority when dealing with it.
Four: Juxin Automobile
Juxin Automobile, a local car loan service company in Chengdu, has rich experience in financing loan services such as used car mortgage loan and mortgage car loan. Because it has been focusing on the local market, the car loan procedures of Juxin Automobile are quite convenient. No matter whether it is a car or not, no matter how much the loan amount is, it really achieved the loan on the same day. Moreover, the interest rate is reasonable, and there is no credit inquiry and electronic audit, which avoids complicated processes and procedures and helps customers save valuable time. Is a professional car loan service company operating by word of mouth.
V. Microfinance Network
Micro-loan network is the first P2P online lending platform for Internet finance in China. Micro-loan network is committed to building a professional, standardized, safe, efficient and honest peer-to-peer lending car mortgage intermediary platform. Through this intermediary platform, loan users can quickly raise private funds to achieve short-term loans, and investment and wealth management users can bid through the platform to achieve short-term effective personal investment and wealth management.
Six: Top level
Chengdu Ding Guagua Investment Group Co., Ltd. was born in 1996. After 20 years of development, it was listed on 20 14. Headquartered in Chengdu, Sichuan Province, the company has branches in Beijing, Shenzhen, Guangzhou, Chongqing and other cities, with an office area of10.5 million square meters and more than 3,000 employees. With the mission of "realizing the dream of starting a business and helping the development of enterprises" and the service cycle of the growth stage of enterprises, Top-Top meets the market demand of different periods, enterprises and levels.
Seven: Xin car loan
Sichuan New Car Loan, established in February 20 15, is one of the independent brands of Sichuan Economic Development Technology System Engineering Co., Ltd. ... Sichuan New Car Loan is a legal and compliant investment and financing information service platform approved by relevant departments. Shareholders and management of the company are industry experts with many years of experience in financial lending business, financial planning, risk control and private lending. In the years of operation, the company has been exploring and innovating the lending model, providing transparent, open, direct and safe lending transactions for all customers to the maximum extent, and is committed to providing comprehensive lending brokerage information services for both borrowers and borrowers with a scientific and rigorous attitude.
Eight: Yiyin.com
One sound. Com, a leading Internet financial platform and a leading P2P financial information intermediary service platform for peer-to-peer lending, is funded by Softbank China Capital and operated by Shanghai E-Bank. The platform of com Financial Information Service Co., Ltd. adheres to the principle of transparency, professionalism and temperature, and takes the Internet as the main channel to provide information collection, information release, credit evaluation, information exchange, loan matching and other services for both borrowers and borrowers, so as to realize direct lending.
Nine: Ping An Bank
Ping An Bank is a national joint-stock commercial bank headquartered in Shenzhen. Its predecessor, Shenzhen Development Bank, is the first publicly listed national joint-stock bank in China. China Ping An and its holding subsidiaries are the controlling shareholders of the Bank. By the end of 20 19, there were 34,253 employees, providing various financial services to customers through 9 1 branches and 1 0,058 business institutions nationwide.
Ten: Easy Loan Network
Easy Loan Network is one of the most professional Internet financial platforms in China. Combining the development of inclusive finance and the innovation of Internet technology, we will provide professional and fast loan services for individuals and small and micro enterprises to help them solve their financing problems. Up to now, the platform covers 37 1 city in China, with more than 2 million registered users, and provides tens of billions of loan services to various customers every year.
The above is the ranking of the top ten automobile mortgage companies in Chengdu compiled by Jin Ju Pawnshop (in no particular order). If you have any other questions about car mortgage, please contact us @ Chengdu Jin Ju Pawnshop.
Excuse me, friends, where can I make a car mortgage in Chengdu?
The bank that can do car mortgage in Chengdu is Ping An Bank, followed by some small loan companies and pawn shops. As a car mortgage, you can also have a clear score on the nature of the car, such as whether it is in full payment or mortgage state, whether it is in my name and so on. These all involve whether you can not mortgage or just mortgage.
This concludes the introduction of Chengdu car mortgage loan and where to borrow Chengdu car mortgage loan. I wonder if you have found the information you need?