No, it's all right now. As long as you have good credit, nothing will happen.
Second, how to borrow a car mortgage?
I. Bank personal loan process 1. Preparation of related procedures: The procedures to be submitted for general loans mainly include: loan application, customer ID card, household registration book, income certificate, marital status certificate and other materials (for customers with spouses, spouse ID card and household registration book are also required). If it is a customer with a mortgage loan, it is necessary to issue a property certificate of the collateral; If you are a customer with unsecured loans, you need to provide a good credit record. 2. Apply to the bank: After preparing the relevant materials, the customer can submit the relevant materials to the bank or the law firm entrusted by the bank. After paying various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties. 3. Approval before bank lending: If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary examination of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the audit fails, the bank will return the relevant information of the customer and explain the situation to the customer. 4. Go through other legal procedures: In addition to the contract, the customer also needs to go through some legal procedures. If it is the customer bank loan interest rate network of mortgage loan, the customer also needs to go to the relevant department to register the mortgage for future inquiry. 5. Bank Lending: After the customer's relevant procedures are completed, the bank will approve the loan or report it to the superior for approval according to the borrower's evaluation. Then, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account. II. Materials required for individuals to borrow from banks 1. The borrower's valid identity card and household registration book; 2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)
3. Weizhong Bank's vehicle mortgage process?
Small bank mortgage loan application process
1. Before inquiry: know the customer's credit information, loan purpose, business, offline inquiry, communication access and loan amount;
2. Online pre-trial: send the identity information, property right certificate, enterprise information, customer confirmation authorization, online pre-trial approval, basic composition and loan amount of the borrower and his spouse to the field investigation;
3. Field investigation: evaluate the company's real estate address, investigate the real estate business premises, and verify the basic information of customers on the spot;
4. Approval: 1-3 days. After approval, we will sign a contract in the business hall of Weizhong Bank, and then mortgage the loan.
Fourth, how to borrow automobile mortgage?
The specific process of automobile mortgage is as follows: 1. The borrower applies to the bank for automobile mortgage, fills in the corresponding forms, and submits relevant materials and supporting documents. The specific requirements of different lending institutions may be different, so you can consult in advance before applying for auto mortgage. Banks will require basic information such as motor vehicle driver's license, driving license, original car purchase invoice, vehicle insurance policy and owner's ID card. 2. Data review The bank will go through the investigation and approval procedures for the materials submitted by the applicant, and inspect the mortgaged vehicles to verify the authenticity of the vehicles, check whether the vehicles meet the requirements of vehicle mortgage, and check whether the vehicles and vehicle materials have been mortgaged. 3. After the vehicle appraisal is passed, the lending institution will evaluate the vehicle mortgaged by the borrower and reserve the loanable amount by evaluating the value of the vehicle. 4. After signing the contract and passing the mortgage registration, both parties will sign the loan contract and guarantee contract. Hold the motor vehicle registration certificate, the identity certificates of the mortgagee and mortgagor, the master contract and the mortgage contract, and fill out the Application Form for Motor Vehicle Mortgage/Cancellation of Mortgage Registration. 5. After the loan formalities of the lending institution are completed, the bank will transfer the loan to the designated account in the way agreed in the contract. : 1. auto credit loan: auto credit loan means that the auto loan platform first judges whether the owner has bought the car in full. If it is a car with a mortgage, it will match a loan amount for the owner according to the comprehensive information such as mortgage time, mortgage amount, personal credit information and customer location. There are three main modes: monthly car supply amplification, mortgage car GPS free of charge, and whole car GPS free of charge. Its biggest feature is that the owner does not have to mortgage the car to the platform or. 2. automobile mortgage automobile mortgage refers to the means of introducing a third-party guarantee or lending funds to a third party to control the risk of auto loans. For example, the whole vehicle mortgage loan requires the full owner to go to the vehicle management office for mortgage procedures. Vehicle mortgage loan means lending funds to the automobile mortgage company, and purchasing by rent means lending funds to the automobile financing leasing company. The biggest feature of automobile mortgage is that the owner needs to mortgage the car to a third party, and the owner does not own the car.