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 bank has a better car loan?
Industrial and commercial bank of China is better, and the loan speed is fast.
At present, only a few banks handle automobile mortgage. They are China Industrial and Commercial Bank, Chengdu Rural Commercial Bank and Ping An Bank; The amount of ICBC car mortgage is 60% of the car price.
The minimum loan amount of "quick loan" series products of Chengdu Rural Commercial Bank is 5,000 yuan, the maximum loan period is 6,543.8+0,000 yuan, and the loan period is 654.38+0 months to 3 years. You can choose flexible repayment methods such as equal monthly payment, unequal monthly payment and repayment of principal when due. Ping an bank automobile mortgage.
A single loan can reach up to 500,000 yuan, and the loan funds can be used for business purposes such as purchasing and purchasing, and can also meet consumer needs such as decoration, tourism and wedding. In the case of complete information, after the mortgage is completed, the loan can be released within 1 day at the earliest, and the vehicle can still be used after the money is obtained.
Conditions for applying for automobile mortgage:
1. The loan applicant is a citizen of China, aged 18-65.
2 have a stable economic income and the ability to repay the principal and interest of the loan.
3. The borrower has a good credit record and no bad credit record.
4. Legal and valid certification materials of mortgaged cars (vehicle registration certificate, etc.). ).
5. Other conditions stipulated by the lending bank.
Which bank can handle car mortgage?
At present, our bank (Bank of China) does not accept personal mortgage (pledge) revolving loans for the time being. Please contact the staff of other banks directly to consult the loan interest rates of other banks.
The above contents are for your reference. Please refer to the actual business regulations.
This concludes the introduction of which bank can do business in automobile mortgage and which bank can do business in automobile mortgage. Did you find the information you needed?