If the borrower's credit status is poor and has a bad credit record, banks and lending institutions are likely to reject the borrower's loan application.
Moreover, they will not only check the borrower's own credit report, but also check the borrower's spouse's credit report, and banks and lending institutions will also review it.
And they will focus on the credit history of the past two years.
In fact, except for some online loan products, the rest of the loans will basically check the credit information.
Therefore, everyone must also pay attention to maintaining good credit in peacetime to avoid leaving a stain on personal credit information.
This will be helpful for your future loan and card application.
Car mortgage, as its name implies, is a loan obtained from a bank or lending institution with a car as collateral. People usually apply for automobile mortgage when buying a car.
Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third party's car or self-purchased car as collateral.
The purpose of loan with car as collateral is mainly for quick capital turnover. (Of course, cars depreciate rapidly, and traffic accidents have a high probability of affecting the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage, and the general loan evaluation price is 50-80%. )
Article 22 of the Regulations on Motor Vehicle Registration clearly stipulates that "if a motor vehicle owner mortgages a motor vehicle, he shall apply to the vehicle management office at the place of registration for mortgage registration. Hold the motor vehicle registration certificate, the identity certificate of the mortgagee and mortgagor → fill in the Application Form for Motor Vehicle Mortgage/Cancellation of Mortgage Registration, and affix the official seal of the unit to the relevant window for handling.
The information and procedures required for deregistration are the same as those for registration.
value
Get cash flow quickly, don't sell the car, so it will take a lot of time and cost to buy a car when the money comes back.
Avoid the embarrassment of borrowing money from relatives and friends, and avoid others knowing that you are short of funds.
I don't need a local hukou. As long as the car is my own, I can get a mortgage.
You don't need to make an appointment for a long time, as long as it is a regular and legal car, you can get a loan, and you don't need any deposit in the early stage. As long as it is a legal car, a qualified car, a brand-name car, an assembled car and so on. If necessary, the vehicle can be investigated and inspected or handed over to the public security organ for handling.
Flexible, when the funds are withdrawn, the car can be returned immediately without penalty.
Get immediate cash flow. It is the best choice for short-term investment and short-term turnover. Because this society needs a car, it has feelings after using it, wasting time and energy to sell it to get turnover.
Car mortgage "GPS mortgage loan service" customers who do not need to pick up the car can continue to use the car after handling the mortgage procedures. 1) Free driving without stopping.