Automobile mortgage has become the choice of many people's capital turnover because of its convenience and quickness. However, automobile mortgage also has various issues and problems to pay attention to, among which the amount, interest and payment time in automobile mortgage are the issues we are usually most concerned about. Then, where is the car mortgage fast and the car loan interest is low? Let's take you to know. # Shenzhen Auto Mortgage #
Automobile mortgage generally has two loan methods, one is mortgage loan; The other is no car loan. If you want to repay the car mortgage quickly and the interest rate is low, you can choose to apply for a car loan, but the car mortgage also needs to meet the relevant conditions:
1. The vehicle is the vehicle of himself or his immediate family.
2. The vehicle formalities are complete
3. The borrower's credit status is good, and he doesn't look at the credit information when riding.
4. The borrower has a stable source of income and doesn't care about running water.
5. The vehicle has certain value.
Not only is the car loan interest relatively low, but as long as the procedures are complete, you can get the funds in about 10 minutes. But now many people have a great demand for cars. Many car owners generally don't want to take a car. If they don't take the bus, they can get the funds quickly, usually two days, depending on your own needs.
What are the car mortgage terms of Shenzhen Bank?
The terms of mortgage loans are roughly as follows:
1. The applicant is over 18 years old and has full capacity for civil conduct;
2. Have a stable income;
3. The vehicle under its name has complete documents and is currently unsecured;
4. Having legal identity documents and a fixed address at the place where the loan is applied;
5. Personal social credit is good;
6. For mortgaged vehicles, the bank requires that the vehicle should not exceed 5 years and the mileage should not exceed 80,000 kilometers;
7. Mortgaged vehicles can only be processed if the assessed value is more than 70,000 yuan.
I. Mortgage loan
Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.
Second, the vehicle mortgage
Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third person's car or self-purchased car as collateral. The purpose of loans with automobiles as collateral is mainly automobile consumption. Of course, cars depreciate rapidly, and traffic accidents are likely to affect the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage. ) The emergence of automobile mortgage service platform "Easy Car Loan" provides a new channel for people who own private cars to borrow money in the short term.
With Auto Easy Loan, customers can use the ownership of their own vehicles as collateral to obtain short-term financing needs. It broke through the traditional vehicle mortgage loan model and put forward the service of "vehicles without mortgage". The vehicle loan applicant can continue to use the vehicle after going through the formalities only by installing the GPS positioning system on the mortgaged vehicle, without pledging the vehicle like the traditional vehicle mortgage loan, and will not lose face or cause inconvenience in travel because the vehicle is pledged, and can obtain funds as soon as possible on the same day.
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.
Can the car be mortgaged?
Sure,
Automobile mortgage is a loan obtained from a financial institution with a borrower's or a third party's car or self-purchased car as collateral. At present, in Shenzhen, most vehicles mortgaged by cars are mortgaged by cars instead of cars, and vehicles are used as usual, only the vehicle registration certificate (that is, the Green Paper) is mortgaged.
What are the common channels in automobile mortgage?
1 bank (most banks don't do it)
2 automobile mortgage channel
3 Auto Finance Company 4 Company 5 Insurance Company
These are the most common channels in automobile mortgage.
Interest:
Bank products: the monthly interest rate is 0.55% ~ 0.9%, but at present, the requirements of bank car loans are still very strict, and there are few banks, but you can not install gps, do not press the car, just tap the mortgage, and the interest is low.
Other financial institutions: monthly interest 1.2% or more.
Problems that automobile mortgage should pay attention to.
1. First of all, before you go to the car mortgage, you must choose a formal financial institution and consult more staff to ensure safety.
2. Sign contracts with financial institutions.
When borrowers and staff of financial institutions apply for mortgage loans, they will go to the vehicle management office to apply for vehicle mortgage. Be sure to indicate the name of the investor, so that your interests will be protected!
In addition, it should be noted that the contract will stipulate that if the borrower is unable to repay the loan, the financial institution has the right to sell the vehicle, and the proceeds will be owned by the investor!
3. automobile mortgage is suitable for short term.
A car can be used as a mortgage, but a car is different from a house. The interest rate of real estate mortgage loan is generally low, and the term is long, and the car depreciates quickly. Generally, it is a short-term loan with a relatively high interest rate.
4. Don't be overdue
Compared with other loan businesses, the interest rate of car mortgage is not low, so if your funding problem is solved later, you'd better settle the loan early. Of course, the regulations of each financial institution are different, and many financial institutions will have liquidated damages for early repayment. Finally, don't overdue, overdue for a long time may cause adverse consequences.
Ok, that's all for today's question about car mortgage. If you have any other questions about the arrival of green cars, please ask and answer them!
Is the car mortgage reliable?
You applied for a car mortgage with the vehicle registration certificate of the car as collateral. Applying for a loan is of course reliable, as long as you repay it on time according to the loan contract. Automobile mortgage. Many people sometimes choose mortgage loans to obtain funds, among which cars and real estate are common collateral.
Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity.
Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.
Vehicle mortgage
Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third party's car or self-purchased car as collateral.
The purpose of loans with automobiles as collateral is mainly automobile consumption. Of course, cars depreciate rapidly, and traffic accidents are likely to affect the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage. ) The emergence of automobile mortgage service platform "Easy Car Loan" provides a new channel for people who own private cars to borrow money in the short term.
With Auto Easy Loan, customers can use the ownership of their own vehicles as collateral to obtain short-term financing needs. It broke through the traditional vehicle mortgage loan model and put forward the service of "vehicles without mortgage". The vehicle loan applicant can continue to use the vehicle after going through the formalities only by installing the GPS positioning system on the mortgaged vehicle, without pledging the vehicle like the traditional vehicle mortgage loan, and will not lose face or cause inconvenience in travel because the vehicle is pledged, and can obtain funds as soon as possible on the same day.
house property mortgage
Real estate mortgage loan refers to the RMB loan in which the borrower mortgages the purchased commercial house, and the loan bank provides the borrower with a package of financial services to meet his various needs such as house purchase, parking space, large durable consumer goods, automobiles and house decoration. Financial institutions are
Give the borrower a certain credit line within the specified mortgage rate. Generally speaking, the loan approval and lending cycle of financial institutions are relatively long.