You can go to the bank to mortgage! However, the required procedures and processes are much more complicated!
1. First, apply to the bank for mortgage, vehicle evaluation, etc.
2. Lenders need proof of work, generally using the bank's half-year running water.
3. Guarantee. If the parents have real estate, they need to be signed by the parents as the guarantor of the lender, and the parents' common bank account. (The real estate here refers to real estate or immovable property-this is not mortgaged by the bank) 3- 1. If you are an employee of a state-owned enterprise or a civil servant, you don't need your parents to be guarantors.
4. Big Green was supposed to be mortgaged in the bank.
5. Interest depends on local policies. Generally, the bank mortgage in Guangdong is around 3%. What can be done in the bank is best done in the bank. From the point of view of car dealers, generally, cars above 10w do not apply for bank mortgage, because it is too troublesome and may not be approved. On the contrary, it is more convenient for finance companies to lend money in two to three days, but there is a little more cost here. Nowadays, many new cars that are not popular cars, such as Japanese Sanjie, have interest-free loans, but the number of periods is relatively small and the burden is relatively large.
Second, the process of buying a second-hand Accord mortgage?
You can go to the bank to mortgage! However, the required procedures and processes are much more complicated!
1. First, apply to the bank for mortgage, vehicle evaluation, etc.
2. Lenders need proof of work, generally using the bank's half-year running water.
3. Guarantees, such as the father's signature as the guarantor of the lender and the bank property shared by parents-this means that if you are an employee of a state-owned enterprise or a civil servant, you don't need your parents as guarantors.
4. Big Green was supposed to be mortgaged in the bank.
5. Interest depends on local policies. Generally speaking, Guangdong's bank mortgage is best done in banks. From the perspective of car dealers, it is generally not a mortgage, because it is too troublesome and may not be approved. On the contrary, financial companies provide loans, but here we have to pay more interest-free loans for cars and new cars, but the number of installment payments is relatively small and the burden is relatively large.
Third, how to buy a second-hand house with a mortgage loan?
Legal analysis: buying a second-hand house requires a mortgage. The first condition must be to consult the owner whether he is willing to let the customer handle the mortgage. The main process is as follows:
(1) Both parties sign a house purchase and sale agreement to determine whether they can apply for a loan.
(2) Regarding the bank, preparation materials: provided by the buyer.
Valid identity documents, household registration book, proof of marital status, proof of income, other assets certificates of the applicant and spouse, and statement of consent to mortgage of real estate. If there are no * * * people, the spouse can sign the spouse commitment letter. If there are * * * people, it is necessary to have the signature of * * people on the mortgaged property, the investment passbook, the down payment certificate (receipt) and the property sales contract. The seller shall provide: one copy of ID card (husband and wife), marriage certificate, household registration book (husband and wife), bank transfer passbook and real estate license.
(3) After the materials are submitted completely, wait for the bank to approve the loan.
(4) After the bank approves the loan, transfer the new real estate license to the local housing management department.
(5) Fill in the mortgage registration application form and prepare the mortgage registration materials with bank signature.
(6) Go to the housing management department for mortgage registration. The housing management department has issued a certificate of other rights, and the real estate license and other rights are being submitted to the bank.
(7) Lend money from the bank within 3-4 working days, and go to the bank to get the real estate license and bank loan contract after one month.
Legal basis: Notice of the People's Bank of China, the Ministry of Housing and Urban-Rural Development and the China Banking Regulatory Commission on issues related to the individual housing loan policy, and continue to provide housing financial services to meet the residents' demand for improved housing. Encourage banking financial institutions to continue to issue commercial individual housing loans and housing provident fund entrusted loan portfolio loans to support households to buy ordinary self-occupied housing. For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans again to buy ordinary self-occupied housing, and the minimum down payment ratio should be adjusted to not less than 40%. The specific down payment ratio and interest rate level shall be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.
4. I want to get a loan to buy a 3-4 year old two-handed Accord. What are the procedures?
Better not. Loans require proof of housing or work income. Mine is the Accord. Now the car price may be more than 1.8 million, and the insurance added by the 4s shop is nearly 2 1 10,000. If you make a minimum down payment of 30% and pay off 6.5% of the loan interest within two years, then the loan interest you want to pay back within two years is 1.5 million. Moreover, car maintenance and the like are more expensive, and fuel consumption and the like are OK. The cost of maintaining a car a year is estimated to be 20 thousand, and there will be a charge for running. Estimate the fuel cost. I think you can just buy a car with a price of 65438+ 1 100 million, because if you want to have children after marriage, you will face a fee. If you buy the Accord, you will have no savings for two or three years. You have to raise the child in two or three years.