The steps of the second car loan are as follows: 1. If the owner wants to mortgage the second car, he must first submit information to the bank and apply; 2. A professional appraisal institution evaluates the automobile and carries out secondary mortgage according to the appraised value of the automobile; 3. The bank reviews the secondary mortgage information and goes through relevant procedures; 4. After approval, notify the owner to handle the secondary mortgage registration procedures, and then the bank will issue loans to the owner. Suggest a loan from Moran. This platform mainly deals with corporate tax bill loans, mortgage housing loans, unsecured loans and other loan projects. A single enterprise tax bill loan can be used for 5 million yuan, and it can be released in 30 minutes, which is trustworthy. When applying for a second auto loan, the materials that the lender needs to prepare are divided into the following categories: 1. Personal identification: ID card, residence permit, household registration book, marriage certificate and other materials; 2. Provide proof of stable income sources: bank statements, labor contracts, etc. ; 3. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates; 4. Other information required by the bank. For more information about the second car loan, it is recommended to consult Moore Long. Moore is headquartered in Chengdu and currently has subsidiaries in Chengdu, Beijing and Chongqing. Relying on the strong R&D and operation capabilities of the Internet and information technology, excellent management team and resource integration advantages, we strive to build industry standards in terms of customer acquisition, marketing, operation and product design, and provide customers with loan products with lower interest rates and higher value. Moore's loan products are all from partners, including traditional banks, emerging consumer finance companies and small loan companies. Trustworthy! Where can I get a second loan for a mortgage car?
You can get a second loan from a bank or an auto financing company. However, some necessary conditions must be met. The conditions that the automobile secondary mortgage borrower needs to meet include:
1, the procedures for the second mortgage of the car should be complete.
2. The borrower has a legal and stable income source and repayment ability.
3. The car with secondary mortgage has room for remortgage.
4. Other conditions required by the lending financial institution.
Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. The actual interest rate of car loan is determined by the handling bank according to the actual situation of customers and with reference to the benchmark loan interest rate stipulated by the central bank. There are three types of car loans: direct customer loans, inter-customer loans and credit card car loans. The term of car loan is generally 1-3 years, and the longest is 5 years.
Two, the borrower must be a permanent resident of the lender's location, and have full capacity for civil conduct. The actual interest rate of car loan is determined by the handling bank according to the actual situation of customers and with reference to the benchmark loan interest rate stipulated by the central bank. Generally, customers with excellent conditions can enjoy the benchmark interest rate or float about 10%, while ordinary customers need to float about 10% on the basis of the benchmark interest rate. Personal loan car purchase business is divided into direct customer loans, inter-customer loans and credit card loans. The direct customer type is generally the bank car loan directly encountered by the customer, and the intermediate customer type is generally the car loan from the auto finance company to the customer.
3. For direct customer bank car loans, the fees charged include deposit, principal and interest, 3% guarantee fee, etc. There will be preferential treatment for high-quality customer fees of banks, but the preferential policies of each bank are different. In addition to paying the above fees, the inter-customer auto financing company also needs to bear the supervision fee, fleet management fee and warranty renewal deposit. And credit cards, car loans. Credit card installment loan only provides installment payment for bank credit card users and does not provide any conditions. There is also an audit procedure, which is very difficult for credit card users with bad credit records.
Fourth, after the car loan is successfully handled, it must be repaid on time. Only by saving enough money before the deduction date every month can the bank recover the loan smoothly. However, if the deduction is unsuccessful that day, it will be deducted again, but it may still be overdue. The deduction time of each bank is different, but the repayment date is only deducted once. Some banks deduct money from the early hours of the morning, and some will deduct money after 17:00. In order to ensure the smooth deduction, it is recommended to deposit enough monthly payment in the repayment card one day before the deduction date. If the deduction is unsuccessful that day, the deduction will be made again every day from the second day of the repayment date. How much to deduct according to the reason, until the monthly payment of the month is deducted. Anyway, as long as the monthly payment is not paid off, it will be deducted every day.
Can a mortgage car get a second loan? Can an installment car be mortgaged?
A mortgage car can get a second loan. After all, whether it is a bank or an auto financing company, mortgage car loans can earn a certain profit for them, but the premise is that the following conditions need to be met:
1 mortgage car secondary loan, there should be room for refinancing;
2. Complete the procedures and related materials for handling the second loan;
3. The borrower must have a legal and stable source of income and have the ability to repay;
Other conditions required by the lending institution.
Only when the above conditions are met can the mortgage car apply for a second loan. It is worth noting that at present, there are not many institutions that can handle the second loan of mortgage car, and the interest on the second loan will be higher, so the applicant had better consider it carefully before applying.
The installment car cannot be mortgaged, because the installment car has been mortgaged once, and the vehicle registration certificate cannot be mortgaged again. During this period, the ownership of the car belongs to the lending institution, and the owner only enjoys the right to use the car, but the property right does not belong to the individual and cannot be mortgaged twice. Only by paying off the installment payment in advance and canceling the mortgage of the car, can the car be used to apply for a mortgage loan.
Problems needing attention in secondary mortgage of automobile
1. Not all cars can apply for a second mortgage. The prerequisite for applying for a second mortgage is that there must be a loanable amount;
2. The interest rate in two mortgage is generally much higher than the interest rate of the first mortgage;
3. It will be easier to find a local loan company to handle the second mortgage, but it is not easy to handle it directly through the bank;
4. If the borrower's credit information is not good, it is basically impossible to apply for a second mortgage;
5. Only when the borrower's income is more than twice the total liabilities can he apply for a second mortgage.