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.
How to get automobile mortgage?
I. Conditions for applying for automobile mortgage
1. Applicants are required to be 25-55 years old and currently have a stable income;
2. The vehicle certificate under its name is complete and there is no guarantee at present;
3. For the mortgaged car. The bank requires the car to be less than 5 years old and the journey is less than 80,000 kilometers;
4. The current appraisal value of the mortgaged car is 70,000 yuan, which is good.
These are the conditions for bank car loans. In addition to meeting the basic conditions of bank car loans, borrowers also need to prepare complete loan-related materials. The more complete the better, in order to better handle the car mortgage.
Second, car mortgage needs information.
1. Invoice when buying a car and other certificates when buying a car.
2. Driver's license and automobile property certificate.
3. Copy of the owner's ID card.
4. Master contract and vehicle mortgage contract.
5. Proof of mortgagee and mortgagor.
6. The car is parked at the loan company.
Three. Automobile mortgage process
1. The lending institution receives the information provided by the applicant;
2. Conduct home visits, surveys and vehicle value assessments on the applicants;
3. The loan amount initially reserved by the lending institution;
4. Handling entrustment notarization and loan notarization;
5. The lending institution accepts the relevant documents of the applicant;
6. Go through the mortgage registration formalities.
7. Loans
Four. .
In any of the following circumstances, the registered vehicle shall not be mortgaged.
1. Vehicles sealed up, detained and supervised according to law.
2 vehicles that have reached the standard of automobile scrapping in China.
3, overdue inspection or unauthorized modification of vehicles.
4. The customs supervision period has not expired.
5. The service life of the mortgage expires and reaches the scrapping standard.
6. Vehicles with mortgage registration.
7, the army (armed police) production and operation of vehicles for retaining soil hanging local number plate vehicles.
8. The obligee of mortgaged property is a state organ.
9. Other vehicles that cannot be mortgaged according to law.
The above is the car mortgage process. The bank will evaluate the applicant. Whether you have the ability to repay the loan on time, whether you have good credit in the bank and whether you have a stable job are the basis for the bank to evaluate the applicant. If the car is used as collateral, the bank will also evaluate the car. The purchase time, mileage and purchase price of the vehicle will all affect the loan amount.
How to borrow automobile mortgage?
The car mortgage procedure is as follows:
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.
：
I. The process of paying off the car loan, releasing the mortgage and getting back the green capital is as follows:
First of all, if you apply for cancellation of motor vehicle mortgage registration, you should fill out the Application Form for Motor Vehicle Mortgage Registration/Pledge Filing;
Secondly, the motor vehicle owner (mortgagor) and mortgagee (bank) apply to the vehicle management office with relevant procedures;
Specific procedures and steps are as follows:
(1) Go to the vehicle service hall of the vehicle management office or the vehicle service hall of the district (city) county traffic police brigade;
(2) Receive the Application Form for Motor Vehicle Mortgage/Cancellation of Mortgage Registration and fill in the Application Form for Motor Vehicle Mortgage/Cancellation of Mortgage Registration;
(3) obtaining the queue number;
(4) Submit the Application Form for Motor Vehicle Mortgage/Cancellation of Mortgage Registration, the identity certificates of the mortgagee and mortgagor, the motor vehicle registration certificate, the main contract and mortgage contract concluded according to law (the cancellation of mortgage is the repayment certificate) and other materials;
(five) to receive the motor vehicle registration business acceptance certificate;
(6) Pay at the designated window of the bank (there is no such step to cancel the mortgage);
(7) Obtain the motor vehicle registration certificate with the payment voucher (not required for mortgage cancellation) and the motor vehicle registration business acceptance voucher.
Second, the car loan processing process
1. First, the lender needs to prepare proof materials such as ID card, residence certificate, work certificate and loan purpose certificate, go to a bank, fill out an application form and fill out a contract.
2. Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If so, there is no need to sign such a contract.
3. Secondly, banks issue loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest.
4. Finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up note issued by the bank. In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.
How to borrow automobile mortgage?
Bank mortgage loans can be divided into car mortgage loans and used car mortgage loans. These two kinds of mortgage loans will have different loan conditions and loan quotas under different circumstances, so how to borrow bank mortgage loans? The specific loan operation process can be viewed separately.
How to borrow automobile mortgage?
1. Personal car bank mortgage loan
1. Apply for a loan and fill in the application form;
2. Submit personal ID card, household registration certificate, income certificate, car purchase intention certificate, car purchase down payment certificate and other relevant application materials;
3. The bank shall investigate and review the submitted data;
4. After approval, both parties sign a loan contract and a guarantee contract;
5. Handle relevant notarization and mortgage registration procedures as appropriate;
6. The loan shall be directly transferred to the dealer's account by the bank.
Second, personal second-hand car bank mortgage loan
1. Before applying, make sure that the owner is the lender himself, the mortgaged vehicle is free, and the vehicle documents are complete;
2. Apply for a loan from the bank and fill in the application form;
3. Submit ID card, household registration certificate, income certificate, vehicle registration certificate, vehicle driving license, driver's license and other related materials;
4. The bank shall investigate and review the submitted data;
5. After approval, evaluate the mortgaged vehicle and determine its value;
6. Determine the amount of vehicle mortgage loan, such as signing a loan contract to evaluate 60% of the vehicle value;
7. Handle relevant notarization and mortgage registration procedures as appropriate;
8. Issue loans and transfer the loan funds to the bank card account designated by the lender.
The above is about "How to handle mortgage loans for bank cars". I hope I can help you.
How does automobile mortgage get a loan?
The process of handling automobile mortgage is as follows:
1. The borrower applies, fills in the application form, and submits income certificate, driver's license and other relevant materials required by the lending institution.
2. After receiving the information provided by the borrower, the lending institution conducts home visits, surveys and evaluates the value of the vehicle.
3. After personal credit evaluation and vehicle value are carried out by the lending institution, it is determined whether the loan can be made, and details such as loan amount and interest rate repayment method are determined.
4. Both parties sign the vehicle mortgage contract, go to the vehicle management office for mortgage registration and relevant certificates, and the lending institution will lend money with the applicant's relevant certificates.
5. After the mortgage expires, the borrower repays the loan, and the lending institution cooperates with the borrower to handle the mortgage registration cancellation procedures at the vehicle management office.
According to the provisions of the motor vehicle registration:
Twenty-second motor vehicle owners who use motor vehicles as collateral shall apply for mortgage registration at the vehicle management office where they are registered; If the mortgage right is extinguished, it shall apply to the vehicle management office at the place of registration for cancellation of mortgage registration.
Article 23 To apply for mortgage registration, the motor vehicle owner shall fill in the application form, which shall be jointly applied by the motor vehicle owner and the mortgagee, and submit the following documents and vouchers:
(a) the identity certificate of the motor vehicle owner and the mortgagee.
(2) Motor vehicle registration certificate.
(three) the main contract and mortgage contract concluded by the motor vehicle owner and the mortgagee according to law.
The vehicle management office shall, within one day from the date of acceptance, review the submitted documents and vouchers, and annotate the contents and date of mortgage registration on the motor vehicle registration certificate.
How to handle the car mortgage?
Automobile mortgage process:
Looking for reliable lending institutions.
Prepare the required mortgage information.
Find a notary office to evaluate the value of the car.
Lenders and borrowers discuss the value of mortgages.
Both parties sign the contract, notarize and register the mortgage.
The lender drives the vehicle to the parking lot designated by the borrower, gives all the car keys to our company for safekeeping, and the borrower issues a collection list and pays the mortgage amount at the same time.
After the mortgage expires, the lender and the borrower go through the repayment and mortgage cancellation procedures, repay all the loans, and cooperate with the borrower's vehicle management office to go through the mortgage registration cancellation procedures and get the car keys; If the loan cannot be repaid on time, the mortgaged car will be auctioned.
Vehicle mortgage loan is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third person's car or self-purchased car as collateral. At present, the main purpose of loans secured by automobiles is automobile consumption. Among the consulting service platforms in automobile mortgage, Cheyi Loan is one of the few platforms that provide comprehensive consulting services for second-hand car mortgage, car realization, second-hand car pawn, car and financing loan. Customers can use the ownership of their own motor vehicles as collateral to obtain short-term financing with convenient, fast, flexible term and reasonable rate. At present, there are two service modes: GPS non-stop and parking.