If you want to put your automobile mortgage, you must first ensure that you meet the requirements of the vehicle mortgage loan before you can apply:
I. Borrower
1, at least 18 years old, with full capacity for civil conduct.
2. Have a valid local residence status (permanent residence booklet or temporary residence permit can be provided).
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Second, mortgage the vehicle.
1 is a non-operating vehicle under my name.
Some banks and lending institutions may allow vehicles to be mortgaged in the name of others to apply for loans, but the written consent of the owner must be obtained, and the borrower needs to issue a certificate of relationship with the owner.
2. It is best to have a local license.
Vehicle mortgage loan involves vehicle mortgage registration procedures and needs to be handled at the vehicle management office where the vehicle is registered. And if the mortgage is a vehicle with a license plate in a different place, then you need to go to the vehicle management office in a different place to go through the vehicle mortgage registration procedures, and the process will be more troublesome.
3. The car has enough value space.
Generally, the newer the car, the greater the value space. Also, it is best not to use the car as any collateral. After all, the value space of secondary mortgage vehicles will be relatively small, and the loan amount that can be obtained will naturally not be very high, and not all banks and lending institutions support secondary mortgage.
4. The service life and mileage of the vehicle are within the range specified by banks and lending institutions.
Different banks and lending institutions may have different regulations. For example, the owner loan of Ping An Bank stipulates that the service life of the mortgaged vehicle shall not exceed 10 year and the mileage shall not exceed150,000 kilometers (specifically, you can call the customer service staff of banks and lending institutions).
After confirming that the above requirements are met, customers can apply for vehicle mortgage loan according to the following procedures:
Step 1: Loan application
Prepare personal identity card, local household registration book or temporary residence permit, proof of economic income (such as bank card running water), vehicle driving license, vehicle registration certificate and other related materials, go to the business outlets of selected banks or lending institutions to find staff to apply for loans, take a loan application form at the counter and fill it out, and submit it together with the information you carry.
Step 2: Review and Evaluation
After accepting a customer's loan application, the bank or lending institution will begin to review the information submitted by the customer, and inquire about the personal credit report to understand its credit status, and will arrange an evaluation agency to evaluate the specific value of the mortgaged vehicle. After the approval result comes out, a message will be sent to inform the customer. If the approval is passed, the loan amount will be approved.
Step 3: Sign the mortgage.
After receiving the approval notice from the bank or lending institution, the customer should sign a loan contract at the business outlet in time and go through the formalities of vehicle mortgage registration at the local vehicle management office.
Step 4: borrow money
Banks or lending institutions will issue the loan funds to the designated collection bank card in the name of customers, and generally receive the loan within one month. If the loan is delayed due to busy business, tight quota and other reasons, it is recommended to wait patiently (if the waiting time is too long, you can take the initiative to call customer service to ask about the specific progress).
Please note that different banks and lending institutions have different loan methods to handle vehicle mortgage loans:
1, riding a bike
The parking method needs to really put the car in a bank or loan institution. After completing the mortgage formalities at the vehicle management office, the customer will drive the car to the parking place designated by the bank or lending institution for safekeeping (the car can only be retrieved after the subsequent loan is settled).
2. The pledge certificate does not pledge the car.
You can continue to use the vehicle normally without taking the vehicle. Just go to the vehicle management office to register the vehicle mortgage and put the vehicle registration certificate in the bank/lending institution (you can get the vehicle registration certificate back after the subsequent loan is settled, and some banks and lending institutions will mail it directly).
3. Don't detain the car or card.
You can continue to use the vehicle normally, you don't need to park the car, you don't need to get a license plate, and the vehicle registration certificate is still in the hands of the customer, so you don't really need to put it in the bank or lending institution. However, it should be noted that some banks and lending institutions may require the installation of positioning devices on vehicles (positioning devices can be removed after subsequent loans are settled).
How to borrow a mortgage loan?
1. You can apply for mortgage. As long as your car is purchased through formal channels, you can submit an application for car mortgage to the bank to solve the capital demand.
2. 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. At present, the main purpose of car-guaranteed loans is car consumption. 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.
Legal basis: Article 22 of the Regulations on Motor Vehicle Registration stipulates that "if a motor vehicle owner mortgages a motor vehicle, he shall apply for mortgage registration in dmv, the place of 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 in the relevant window.
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
How to handle vehicle mortgage loan
To apply for a vehicle mortgage loan, you must first choose a formal and reliable platform or institution, and then apply according to the process:
1. Bring valid personal identification and vehicle registration to the lending institution for application;
2. Submit materials to employees and fill in the loan application and loan contract;
3 loan amount, repayment method, loan interest rate, loan term and other information should be clear;
4. Bring information to the local vehicle management office for mortgage registration;
5, lending institutions to review the application materials;
6. After approval, you can go through the lending procedures;
7. The borrower repays the loan in full and on time as agreed;
8. After all the loans are paid off, you can go to the vehicle management office to issue a loan repayment certificate to the bank and cancel the vehicle mortgage information.
How to deal with automobile mortgage?
1. The borrower applies to the lending institution for automobile mortgage, then fills in the corresponding mortgage application form and submits relevant materials and certification materials;
2. The lending institution shall inspect the mortgaged vehicle, check whether the vehicle meets the requirements of vehicle mortgage loan, and check whether the vehicle and vehicle materials have been mortgaged.
3. automobile mortgage applicants need to bring personal valid ID card, vehicle registration certificate, driving license and insurance policy and other related materials to the lending institution for formalities;
4. The lending institution will review and investigate the application materials submitted by the applicant and whether the applicant meets the application conditions. If it passes the examination, the lending institution will sign a loan contract and a guarantee contract for the applicant;
5. After all formalities are completed, the lending institution will issue loans according to the terms agreed in the contract;
6. The borrower shall fulfill the repayment obligation and repay the loan principal and interest according to the repayment method and plan agreed in this contract.
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.
What does a car mortgage do?
Treatment process
1. The lending institution receives the information provided by the applicant.
2. Conduct home visits, investigate and evaluate the value of the applicant's vehicle.
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.
Extended data:
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.
Article 24 Apply for cancellation of mortgage registration
(a) the identity certificate of the motor vehicle owner and the mortgagee;
(2) Motor vehicle registration certificate.
If the people mediate, make a ruling or make a judgment to cancel the mortgage, the owner or mortgagee of the motor vehicle shall fill in the application form and submit the motor vehicle registration certificate, the effective mediation book, ruling or judgment issued by the people, and the corresponding notice of assistance in execution.
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 cancellation of mortgage registration on the motor vehicle registration certificate.
Twenty-fifth motor vehicle mortgage registration date, mortgage registration cancellation date can be available for public inquiry.
Article 26 In case of any of the circumstances specified in Item (1), (7), (8) and (9) of Article 9 or Item (2) of Article 20, mortgage registration shall not be handled. Do not apply for mortgage cancellation registration.