Banks can issue mortgage loans. In fact, major banks, auto finance companies and auto consumer finance companies all provide auto mortgage services. Customers can apply to any bank or financial company with personal ID card, household registration book, vehicle registration certificate and other related materials. As long as the customer's personal credit is good, the vehicle has sufficient value, the customer has a stable source of income and can repay the loan principal and interest on time, then the loan can basically be successfully handled.
At present, banks that can handle automobile mortgage include Industrial and Commercial Bank, China Merchants Bank, China Construction Bank and Agricultural Bank. Different banks need to meet different conditions when handling automobile mortgage, so it is best to find a bank in automobile mortgage according to the actual situation, and customers should know more about automobile mortgage of different banks.
Let's take ICBC, Chengdu Rural Commercial Bank and Ping An Bank as examples to introduce them to you.
1. China Industrial and Commercial Bank: automobile mortgage of China Industrial and Commercial Bank refers to a loan product in which the borrower mortgages his own vehicle to the bank to obtain loan funds, which can be used for various consumption and business purposes. The amount of ICBC car mortgage accounts for 60% of the car price. Generally, as long as you meet the conditions of ICBC's automobile mortgage, you can apply on the premise of ensuring timely repayment.
2. Chengdu Rural Commercial Bank: Chengdu Rural Commercial Bank has a series of "quick loan" products, with various financing methods, including unsecured credit loans and chattel mortgage. For example, a borrower with a car can use it as a mortgage. There are many ways, no matter what the borrower is, you can find a suitable financing method.
3. Ping An Bank: Ping An Bank can borrow up to 500,000 yuan for car mortgage. When applying for a loan, if the information is complete, the loan can be made within one day after the mortgage, and the customer still has the right to use the vehicle during the loan period.
Which platform is better in automobile mortgage? The owner misses it. These guys.
When applying for loans, car owners often consider using their own vehicles as collateral to apply for large loans. But after all, cars need to be used as collateral, and many borrowers will have some concerns. Online car loan platform is difficult to choose, which platform is good for car mortgage loan? Car owners, don't miss these!
Which platform is better in automobile mortgage?
1, 58 car loan
58 Car Loan is a vehicle mortgage loan platform under 58 Finance. The maximum application amount is 80,000 yuan, and the longest repayment period is 12 months. The borrower needs to provide the registration certificate and driver's license of the certified vehicle before applying. Don't want a car or a card, but the value of the car can't be less than 1.2 million yuan.
2. ICBC personal car loan
China Industrial and Commercial Bank's mortgage loan product is a regular bank's automobile mortgage loan, which is issued to customers who apply for buying their own cars. The loan model can be divided into "direct customers" and "indirect customers", that is, first apply for a car loan from ICBC and then go to the dealer to buy a car, first go to the dealer to buy a car and submit the loan application materials, and then the dealer forwards it to ICBC for approval.
The maximum loan amount can reach 80% of the car purchase price, that is, the minimum down payment is 20%, and the longest loan period can be divided into five years. The minimum loan interest rate shall not be lower than the loan market quotation in the same period, that is, the LPR interest rate.
3. Alipay Auto Finance
Alipay has many small loan products, and Alipay auto finance is one of them. Alipay Auto Finance is an auto mortgage platform under the Ant Group. As long as the borrower has a car under his name, he can authorize Alipay and then apply for a car mortgage. The maximum loan is 300,000 yuan. Although it is automobile mortgage, it does not pledge cars and certificates, but applies for loans with the credit of the owner.
The above is the related content sharing of "which platform is better for auto mortgage loan", and I hope it will help everyone!
Which platform is better in automobile mortgage?
Which platform is good for car mortgage?
1, Ping An owner loan
Car owner loan is a car mortgage owned by Ping An Bank, and the qualification requirements for users are not strict. When applying for a loan, users do not need to pledge their cars or certificates, but only need to provide auto insurance policies to apply directly. Users can apply for a maximum loan amount of about 80% of the vehicle value.
According to the official staff of the owner's loan, as long as there is no problem with the information provided by the user and the user meets the loan application conditions of the owner's loan, he can receive the loan as soon as possible.
2. JD.COM auto loan.
JD.COM car loan is a loan product of Jingdong Finance, and users can apply directly in Jingdong Finance. Users who want to apply for a car loan in JD.COM need to be between 18-60 years old, not college students, and have no serious credit stain on their personal credit information.
Of course, the age of the vehicle mortgaged by the user must be between 1 and 12 months, and the mileage cannot exceed 65,438+10,000 kilometers. The maximum amount that users can apply for is 90% of the value of the mortgaged vehicle. If the information provided by the user is correct, the loan will be received as soon as the same day.
If there is demand, it is recommended that you use 360 IOUs, which are based on 360 big data, and then comprehensively evaluate users' credit, and finally provide users with instant consumption loans on this basis. The maximum loan amount is 200,000 yuan (click the official free loan amount), and the daily interest rate is as low as 0.03%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security. Tips: The above information is for reference only, and no loan suggestions are made. In the process of online lending, we must pay attention to preventing risks. In order to ensure the safety of funds and prevent routine loans, we suggest that you choose a formal bank or a formal loan platform based on your own judgment after fully understanding it, and borrow reasonably according to your actual situation.
Which bank is the best for car loan mortgage?
Car mortgage loans can be made by most banks, such as China Construction Bank, Industrial and Commercial Bank of China and Agricultural Bank of China. Users can directly apply for vehicle mortgage loans as long as they meet the loan conditions. As for whether it can pass the audit, the results of the bank audit shall prevail. For users, automobile mortgage needs to mortgage the vehicle to the bank, so the vehicle must meet the mortgage conditions.
Users who own vehicles or apply for car loans can apply for automobile mortgage. The former is generally a mortgaged vehicle or a mortgaged motor vehicle registration certificate.
Extended data:
Matters needing attention in automobile mortgage:
1. Due to the rapid depreciation of a car and the high probability of encountering a traffic accident, which easily affects the value of the car, the loan evaluation price is generally not particularly high when applying for a loan for a mortgaged car, which is generally around 50% to 80%.
2. Car mortgage is often used for short-term turnover. If you need a long-term loan, it is not recommended to apply for a car mortgage.
3. If the motor vehicle owner mortgages the motor vehicle, he shall apply for mortgage registration at the vehicle management office at the place of registration.
4. Some cars don't need to put the car in the lending institution, but only put the green paper, the so-called "car-free pledge card", and then install the GPS positioning system on the car, and the car can still be used normally.
5. Customers had better choose to go to the bank for auto mortgage, or choose a formal consumer financial institution with a financial license approved by the CBRC. Never go to an unknown loan company, which may lead to loan fraud and loss of money.
Vehicle mortgage loan process:
To handle the vehicle mortgage loan, the lender first needs to apply to the lending institution, and then prepare the corresponding materials according to the requirements of the lending institution. After the approval of the lending institution, if it passes, the vehicle mortgage formalities will be handled and the loan will be made after signing the contract.
If the vehicle is still mortgaged, then the lender needs to consult the lending institution, and in this case, whether the loan can be made. Generally speaking, mortgaged vehicles can also be loaned, but vehicles still have loan scope and need to be evaluated by relevant institutions.
If my car doesn't apply for a mortgage loan, it must be approved by the owner. In this case, more materials are needed to apply for a loan, and the procedures will be more troublesome. You can consult relevant lending institutions for details.
After handling the mortgage loan, the lender needs to repay the loan according to the contract, otherwise it will have a serious impact on the lender's credit information. If the contract exceeds the limit within the time limit, the lending institution still has the right to terminate the contract in advance, and the consequences are more serious.
Which platform is the best and fastest for car mortgage? These three car loan apps have a good reputation.
When applying for automobile mortgage, many borrowers will consider applying to some online automobile mortgage platforms, which is convenient and quick. The biggest advantage of these automobile mortgage platforms is that the application is simple and the loan can be completed on the same day. Which platform is better in automobile mortgage? These three car loan apps have a good reputation!
Which platform is better in automobile mortgage?
1, Alipay Auto to Finance
Alipay Auto Finance is an auto mortgage platform under the Ant Group. As long as the borrower has a car under his name, he can authorize Alipay and then apply for a car mortgage. According to user feedback, the annual interest rate of Alipay auto finance is about 18%, and the maximum loan is 300,000 yuan. Although it is automobile mortgage, it does not pledge cars and certificates, but applies for loans with the credit of the owner.
2. Yixin automobile mortgage
Yixin automobile mortgage Platform is a well-known automobile mortgage platform in the market, which is jointly invested and operated by Yiche, Tencent, JD.COM and Baidu. The main services provided are: used car loans, car owners' loans, new car loans, and auto insurance and other auto finance services.
The threshold for applying for a loan is very low, the longest loan period is 3 years, the maximum loan amount is 6,543,800 yuan+0.2 million yuan, and the monthly loan interest rate starts.
3, 58 car loan
58 Car Loan is a vehicle mortgage loan platform under 58 Finance. The maximum application amount is 80,000 yuan, and the longest repayment period is 12 months. The borrower needs to provide the registration certificate and driver's license of the certified vehicle before applying. Don't want a car or a card, but the value of the car can't be less than 1.2 million yuan.
The above is the related content sharing of "which platform is better for car mortgage", hoping to help everyone!