How long does it usually take for an individual to apply for a car mortgage?

It generally takes about 15 working days for an individual to apply for a car mortgage. After the applicant submits the car purchase contract, ID card, income certificate and other related materials to apply for a car purchase loan, the bank shall review the materials submitted by the applicant, and then go through the relevant procedures such as mortgage registration.

It takes about 65,438+00 days. After these audits and related procedures are completed, the bank will sign a loan contract with others, and the bank will lend money within 3 working days after the contract takes effect. The whole process takes about 15 days.

Article 42 of the Regulations on Motor Vehicle Registration applies for the pledge or cancellation of the pledge of a motor vehicle. The motor vehicle owner and the pawnshop shall apply at the same time, and the motor vehicle owner shall fill in the application form and submit the following certificates and vouchers:

(a) the identity certificate of the owner of the motor vehicle and the pawnshop;

(2) Motor vehicle registration certificate.

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 pledge filing or pledge cancellation filing on the motor vehicle registration certificate.

Under any of the circumstances specified in Item (1), Item (7), Item (8) and Item (9) of Article 9 of these Provisions, the pledge filing shall not be handled. The certificates and vouchers submitted by the owner of the motor vehicle are invalid, or the motor vehicle is sealed up or detained by the people's court, the people's procuratorate or the administrative law enforcement department according to law, and the pledge shall not be released for the record.