When handling the vehicle mortgage loan, the lending institution will comprehensively evaluate the loan amount according to the borrower's credit status, vehicle evaluation value and other factors, and collect the motor vehicle registration certificate, and then go to the vehicle management office to understand the mortgage situation, and will keep the certificate for the borrower before the loan is settled. This method will not actually occupy the car, but will leave a mortgage record in the vehicle management office.
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The main differences between car loans and non-car loans are mainly reflected in the following two aspects:
1. Vehicle handling mode: If parking mode is selected, the vehicle needs to be delivered to the parking place designated by the lending institution, which will be responsible for guarding it, and at the same time, the vehicle will be regularly maintained by lighting a fire. If you don't choose to take a taxi, you need to install a GPS device that can locate the car at any time, but you can know the position of the car at any time by using this device.
2. Loan amount: If you choose a loan institution to mortgage your car, you can get a relatively high loan amount, the interest rate will be much lower than those who don't mortgage your car, and the loan period will be more flexible. If you don't choose to take a taxi, the loan amount may be lower and the interest may be higher.
Generally speaking, the two methods have their own advantages and disadvantages, and the specific choice of which method needs to be weighed according to its own needs and conditions. However, please note that the specific loan amount may be affected by policies, interest rates, repayment period and other factors. , depending on the credit information of the borrower and the audit results of the lending institution. It is suggested that before applying for a loan, you should know the policies and regulations of the lending institution and the calculation method of the loan amount in order to better estimate your own loan amount.
Want to know more about car mortgage, recommend consulting Anmeitu car loan. Headquartered in Shanghai and backed by the strong financial strength of Anmeitu Group, Anmeitu has direct stores in Shanghai, Chengdu, Shenzhen, Xi 'an, Wuhan, Chongqing, Beijing, Kunming, Guangzhou and Shihezi, Xinjiang. If you have a car, you can borrow it. Professional one-on-one service, reasonable and transparent fees, clearly marked. Relieved and reliable, the mortgaged vehicle is stored in a closed indoor garage, which is all-weather safe. You can do it without a car, and you can manage it if you get the money. Generally, loans can be made on the same day. The maximum loan amount is 8- 10%.