It is suggested that Moerlong apply for a mortgage loan. Moerlong is headquartered in Chengdu and currently has subsidiaries in Chengdu, Beijing and Chongqing. Relying on strong Internet and information technology R&D and operational capabilities, excellent management team and resource integration advantages.
Mortgage car loan processing flow:
1. The borrower applies to the bank for automobile mortgage, fills in the corresponding application form, and submits relevant materials and supporting documents.
2. The bank will go through the examination and approval procedures for the materials submitted by the applicant and myself. After passing, both parties will sign a loan contract and a guarantee contract. If necessary, they will also go through notarization and mortgage registration procedures.
3. After the formalities are completed, the bank will transfer the loan to the designated account in the way agreed in the contract.
4. The borrower shall fulfill the repayment obligation and repay the loan principal and interest according to the repayment method and plan agreed in this contract.
For more information about the loan, please consult Moore Long. Moerlong has the most professional internet finance platform in China, covering 37 1 city in China, with more than 2 million registered users, and providing tens of billions of yuan in loan services to various customers every year. Focusing on the financial core risk control technology, based on AI algorithm and driven by data, Mo Long continues to carry out deep learning model training, providing big data risk control support for mortgage, car loan and credit loan business systems, and providing intelligent brain and tool support for product design and risk control in all scenarios of the whole industry. The major is worth choosing.
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 are the procedures for mortgage car loan?
The process in automobile mortgage is as follows: 1. First, the borrower must apply to the lending institution for a loan, and provide the lending institution with his ID card, driver's license, car purchase contract and other supporting materials; 2. Then the lending institution will review the qualification of the lender, evaluate the value of the vehicle and book the loan amount; 3. If there is no problem, then the lending institution and the borrower sign a loan contract and issue loans, and the borrower goes to the lending institution with a vehicle driver's license, and that's all; 4. Vehicle mortgage loans need to be repaid regularly every month. If it is not repaid for a long time, then the lending institution has reason to dispose of the vehicle by itself.
Process of handling mortgage car loan
1. The borrower applies to the lending institution, takes the car as collateral, and provides the lending institution with personal ID card, motor vehicle registration certificate, original car purchase invoice and other materials;
2. The lending institution will confirm the information of the borrower and review the relevant qualifications of the borrower;
3. The lending institution will comprehensively evaluate the borrower's vehicle and determine the loan amount;
4. The lending institution signs a loan contract with the borrower, and the lending institution issues loans;
5. The borrower repays the loan according to the repayment method agreed in this contract.
The above is the relevant content of the mortgage loan process.
How to cancel the mortgage after the change of car loan?
1. After paying off the last monthly payment, the borrower will go to the lending institution for loan settlement with the loan contract and ID card;
2. The borrower and the staff of the lending institution bring relevant materials to the local vehicle management office;
3. After arriving at the vehicle management office, find the corresponding window, fill in the application form for cancellation of mortgage, and hand it over to the staff to handle the relevant procedures for cancellation of mortgage;
4. After the mortgage cancellation formalities are completed, the borrower takes back the vehicle ownership certificate.
What if the car loan is not paid back?
If the car loan can't be repaid on time, the owner needs to take the initiative to contact the bank with the loan to communicate and negotiate with its staff, explain the reasons why the individual can't repay, sincerely express his psychology of wanting to repay, and try to communicate with the bank staff whether he can apply for deferred repayment or repayment in batches. Banks that buy car loans will give due consideration to users' active negotiation. If the user's financial situation is really difficult, then the bank is likely to extend a certain period.
Car loan refers to the form of mortgage loan in which the owner applies for a certain amount of loan from financial institutions such as banks when buying a car. Usually when handling a car loan, the owner needs to be a permanent resident of the place where the loan bank is located. Automobiles mainly sign loan contracts with banks and other financial institutions to stipulate the loan term and related interest. The term of car loan is very short, no more than five years at most. This article mainly writes about the knowledge points related to the mortgage loan process, and the content is for reference only.
How to apply for mortgage loan?
Car mortgage procedures:
1. Provide loan applications to lending institutions and submit corresponding qualifications;
2. The lending institution conducts home visits, surveys and evaluates the vehicle value and repayment ability of the applicant;
3. The lending institution initially sets the loan amount;
4. Handling the entrusted notarization of the mortgage cancellation right;
5. Lending institutions temporarily withhold the applicant's driver's license, insurance policy and other documents;
6. Go to the vehicle management office for mortgage registration;
7. loans.
It should be noted that a written mortgage contract should be signed when a car is mortgaged. According to Article 400th of the Civil Code, a mortgage contract generally includes the following clauses:
(1) The type and amount of secured creditor's rights;
(2) The time limit for the debtor to perform the debt;
(3) The name and quantity of the mortgaged property;
(4) the scope of the guarantee.
legal ground
Article 400 of the Civil Code
To establish a mortgage, the parties shall conclude a mortgage contract in writing.
A mortgage contract generally includes the following clauses:
(1) The type and amount of secured creditor's rights;
(2) The time limit for the debtor to perform the debt;
(3) The name and quantity of the mortgaged property;
(4) the scope of the guarantee.
What are the processes and conditions in automobile mortgage?
Vehicle mortgage loan is a private loan, and banks do not have this business. \ Mortgage loan refers to the mortgage registration with the motor vehicle registration certificate (green copy) at the local vehicle management office. Conditions: the car has been paid in full, or the installment payment has been completed, that is, the car is no longer mortgaged. This kind of car can be mortgaged without any special conditions. You can go to the local vehicle management office with the original and photocopy of the ID card of the owner and mortgagee and the mortgage contract. It's simple.