Today is 65438+ 10 month 1. I wish you a happy new year first. I hope everything goes well in 2020! Everything's fine. Fortunately, it is outside the chart!
Today, we tell the story of a mortgage car. In fact, when it comes to mortgage cars, the common channel to buy cars on the market now is used cars besides new ones.
In fact, in terms of price, the new car is definitely higher than the used car. So besides these two options, are there any cheaper options? Lord Almighty, I must have a way!
In addition to the above two ways to buy a car, there is another way, that is, mortgage car.
I believe some friends have a certain understanding of mortgage cars, but the water inside is much deeper than that of used cars. Today, we will talk about the mortgage car and those things!
What exactly is a mortgage car?
First of all, from the form of mortgage car, there are the following categories.
The first and most common one is that the vehicle is mortgaged in the bank. For example, if a person is in urgent need of a sum of money, he can mortgage his car to the bank at this time in exchange for a mortgage loan.
Unfortunately, however, the money mortgaged by this friend failed to pay off at the deadline of the stipulated repayment date, or simply failed to pay off.
At this time, the bank will auction off the car according to the agreement signed by both parties to deduct the repayment. Then this kind of car is called a bank mortgage car.
In fact, this kind of mortgage car is quite reliable. After all, it is a bilateral transaction with the bank, and all procedures are guaranteed.
Then this second kind will be more risky than the bank's mortgage car. For another example, a person is short of money and needs to mortgage his car in exchange for funds, but at this time, the bank finds out through the credit information system or other aspects that this person has a bad record or is not qualified to handle the mortgage vehicle loan business. what can I do?
At this time, some private small mortgage companies with lower qualifications appeared. Usually, their advantages are quick loan and simple procedures, but the repayment interest rate is relatively high and the vehicle valuation is also low.
Then some people will ask, isn't it more cost-effective to reduce the price of this mortgage car? Indeed, if we only look at the price, it will definitely be more cost-effective.
However, there is no free lunch. Although you can get a loan faster, you are faced with a higher repayment interest rate and a shorter repayment period. And usually, the money released by microfinance companies is basically not returned, so they will make money on the mortgage car.
Basically, it is sold and then "received" back. This collection is not to spend money, but to secretly locate the vehicle according to the GPS on the vehicle and then drive back. What's more, stop in broad daylight and grab the car directly!
This third kind is more complicated. Generally speaking, first of all, the vehicle is in the state of loan to buy a car and the debt has not been repaid. Then the owner mortgages the car to a small loan company, and the loan company sells the car to others, and others mortgage the car.
In a word, the ownership of this car is confusing, and it is impossible to distinguish the ownership of the car normally. Whoever buys this car is really the first prize!
Can I buy a car by mortgage?
In fact, I believe that after reading the above classification, everyone knows fairly well. In fact, some people think that mortgage cars can be bought, because they are cheap and can do great things with small money. Most consumers of this kind of psychology are businessmen, and they need some luxury cars to support the scene to prove their strength;
There are also racing enthusiasts who are going to buy a cheap mortgage car and then get off the track; Another kind of consumers, that is, a wider consumer group, are not optimistic about mortgage cars.
I think it's better not to buy a mortgage car. In order to save that little money, I ended up in more trouble for myself. I bought a car to serve my life, not to let it affect ours.
Give you a vivid case. Chuangge, a well-known car critic, once bought a Honda Fit, also known as the Super Run GK5, in order to practice on the track. This car is a mortgage car. Not long after I bought it, it was stolen.
In fact, this situation is very common for mortgaged vehicles, because the previous owners or mortgage companies usually installed more than one GPS locator on the vehicles. I heard that more than 100 GPS locators were unloaded from a Land Rover Range Rover administrative mortgage car.
In addition to the locator, you can leave a car key, so that you can easily drive away the mortgage car you just bought.
And this can't be directly defined as a crime, which is the most incredible. You heard me right. It really can't be directly defined as a crime.
Because legally, you are only the pledgee of the other party. Before you, there may be many pledgees who didn't recover the money owed by the owner or made a second mortgage, so the ownership of the vehicle can't be completely owned by one person.
Moreover, due to the particularity of the mortgage car, the mortgage car cannot be transferred, and you can't completely attribute the car to the name except for a paper contract in your hand.
This has caused such a phenomenon. Many small loan mortgage companies sell their cars, and then go directly to the door in a few days to ask for vehicles according to the location of the locator. Some secretly drove away in the middle of the night, and some three or five strong men stopped and drove away with sticks, which was no different from robbery.
Before, a friend of Brother Onion also personally experienced the link in the movie, which really made people feel scared.
Therefore, friends who want to buy a mortgage car should weigh it themselves.
How to eliminate hidden dangers when buying a mortgage car?
To put it simply, when buying a mortgage car, you should keep the following procedures:
1. Copy of the vehicle pledge loan agreement signed and approved by the owner (proving the legal source of the vehicle)
2. Vehicle driving license (proving that the vehicle can legally drive on the road)
3. Copy and original of the owner's ID card (used when the vehicle goes through the annual inspection or other formalities)
4. Vehicle mortgage agreement (proving that you really bought the vehicle with your own money)
The rest is to carefully check the condition of the car and confirm the current state of the car. Then the most critical step is to thoroughly check the GPS locator in the car. Generally, a common locator will be installed in the trunk.
However, there are also some locators whose positions are very hidden. Only by thoroughly checking the locators in the chassis, suspension, engine room and even fuel tank can we really solve the possible loss and theft of vehicles.
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Anyway, after listening to these, I believe everyone has a deeper understanding of mortgage cars. Here, I still want to remind you that at the end of the year, friends who want to buy a cheap mortgage car to go home for the New Year must not be greedy and cheap, because the water in the mortgage car is really deep. Don't touch it if you can't. If you want to buy a mortgage car with the mentality of "killing for money", you must also keep your eyes open and check it carefully.
At the end of the year, if you have any questions about choosing a car, throw them all over quickly ~
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.