Yes, you can. The handling process of automobile mortgage is not complicated, which is roughly composed of "vehicle inspection → evaluation → mortgage → lending → post-loan management".
Anmeitu is formal and reliable, with low threshold. If you have a car, you can borrow it. According to the different needs of consumers, tailor-made low-interest capital solutions. Professional one-on-one service, reasonable and transparent fees, clearly marked. Relieved and reliable, the mortgaged vehicle is stored in an all-weather safe closed room. You can do it without a car, and you can manage it if you get the money. Anmeitu focuses on its business in automobile mortgage, providing convenient loan channels for car owners who need it in the short term. Anmei has been expanding its business for more than ten years. At present, the business has covered Shanghai, Chengdu, Xi, Wuhan, Shenzhen, Chongqing, Beijing, Kunming, Guangzhou, Shihezi, Xinjiang and other cities 10, and there are 3 national direct stores10.
The car loan has not been paid back. Can I get a car loan?
If the car loan is not paid off, you can use the car loan, but you need to submit a good bank account number when lending. Only in this way can the bank approve the loan. After all, if the car loan is not paid off, the monthly repayment amount will increase. Only with better income can you apply for a loan again.
Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.
Type of automobile loan:
Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.
The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.
In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.
And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.
The specific steps of buying a car by credit card in installments are roughly as follows:
1. The cardholder (or applicant) calls the bank's credit card center or goes to the local bank to find out whether he can apply for a credit card car loan.
2. The cardholder will fill in the installment order of car purchase at the dealer with his ID card, and the bank background will review it.
3. After the order is approved, the cardholder pays the down payment and goes through the normal car purchase procedures.
4. After the vehicle is licensed, the cardholder needs to go to the bank to go through the mortgage formalities and purchase the required auto insurance.
Finally, I can drive the car away smoothly.
What is the procedure for car mortgage without taking a taxi?
It is common for a car mortgage not to take a taxi. Generally, you need to go through the following procedures: 1, submit your ID card, vehicle registration certificate and other relevant materials of yourself and your vehicle to the car loan company; 2. According to the customer's demand for time, the car loan company verifies the materials, evaluates the vehicle, gives the loan amount, gives the cost explanation, and both parties reach an agreement to sign the contract; 3. It is necessary to install a GPS positioning system on a non-stop vehicle; 4. The car loan company lends money on time and the borrower repays it on time.
There are many auto mortgage companies in the market, which are mixed, so the choice needs to be cautious. It is recommended to find a formal professional brand company, such as Amway. Anmeitu has a direct branch in Kunming, so you can call directly for consultation. You can also compare it with two or three companies. Of course, compliance companies are the first choice. It is best to have a physical store and a well-known brand, and then combine the amount and interest to choose the one that suits you according to your own needs.
Anmeitu car loan is professional, formal and reliable. Anmeitu has more than ten years of service experience in the car loan industry, and has provided professional capital demand services for nearly one million consumers. Anmeitu has a good brand awareness, flexible operation and standardized process in the automobile mortgage industry, and has a good reputation among old customers.
Anmeitu's car loan threshold is low, you can get a loan if you have a car, and professionals provide one-on-one service. Rest assured, all pledged vehicles are stored in a closed room, which is safe all day. You can do it without a car, and you can manage it if you get the money. You can lend money on the same day, and the loan amount is as high as 8- 10%. There are direct stores in Shanghai, Chengdu, Xi, Wuhan, Shenzhen, Chongqing, Beijing, Kunming, Guangzhou and Shihezi, Xinjiang.
What conditions does Kunming need to mortgage a car? Is there any model or price limit?
There is no price limit on the loan to buy a car, but if the loan is less than 3W, there will be a foreign tax (and the amount is not small).
First of all, you should pay attention to buying a car loan and choose according to your own situation.
At present, there are generally four ways to apply for a car loan:
Apply for a car loan, loan first and then choose a car;
Buy a car with a credit card, choose a good model, then ask for an increase in the credit card limit to pay the car price, and then repay it monthly;
You can also go to the car dealership to choose a car, and then apply for a car loan from the auto financing company, but there may be restrictions on the models;
You can also go to a financial leasing company, that is, someone else buys the car first and then gives it to you. You pay back the money regularly until you pay it off, and the car is yours. In fact, it is a car mortgage.
However, no matter what kind of loan, the application conditions for basic car loan are as follows:
(1) has valid identification and full capacity for civil conduct;
(2) Can provide a fixed and detailed address certificate;
(3) Have a stable occupation and the ability to repay the loan principal and interest on schedule;
(4) Personal social credit is good;
(5) Holding a car purchase contract or agreement approved by the lender;
(6) Other conditions stipulated by the Cooperation Organization.
Application materials:
(1) Original ID card, household registration book or other valid proof of residence, and provide its copy;
(2) proof of occupation and economic income;
(3) car purchase agreement, contract or letter of intent signed with the dealer;