Recommend a good car loan, you can apply if you have a car, and the maximum loan amount is 300,000. The longest loan period is 36 periods, the monthly interest rate is as low as 0.3%, and the loan can be released in 2 hours at the earliest. There are geographical restrictions on loans, so you need to choose your city or surrounding areas. After filling in the information online, you need to wait for the relevant staff to contact the user actively. Staff offline audit, general audit will be released after the end.
3 Materials to be prepared for automobile mortgage:
1, valid proof of the owner's identity. Such as ID cards, household registration books and other materials;
2. Vehicle ownership certificate. These include automobile driving license, vehicle purchase surcharge certificate, road maintenance fee payment certificate, insurance documents, vehicle and vessel use certificate, company quota certificate, etc. The more complete the materials to prove your ownership of the car, the simpler the handling process and the higher the success rate of the loan.
Precautions:
1. Vehicle mortgage shall be registered, and the mortgage without registration shall be invalid: the vehicle ownership certificate shall be presented at the time of mortgage registration;
2. If you sign a mortgage contract, I suggest you go to the vehicle management office for mortgage registration.
3. Banks generally don't accept automobile mortgage business. If they need loan business, they can go to private loan companies to solve the problem of difficult capital turnover.
3. What is the interest rate in automobile mortgage?
1. The borrower applies for mortgage loan in the bank with the purchased car as collateral or pledge. When applying for mortgage loans, banks must issue automobile sales contracts, automobile mortgage agreements, automobile mortgage contracts, etc. Generally speaking, the bank's auto loan interest rate is slightly higher than the bank's benchmark interest rate. For example, at present, the auto loan interest rate of ordinary banks generally rises by 10% according to the bank benchmark interest rate.
2. Before the interest rate adjustment, the central bank's benchmark annual interest rate was 65438+5.3 1% for 0 years, 5.40% for 2-3 years, 65438+5.84 1% for 0 years and 5.94% for 2-3 years.
3. After interest rate adjustment, the central bank's benchmark annual interest rate is 65438+5.56% for 0 years, 5.60% for 2-3 years, and the interest rate for auto loans is 65438+6. 1 16% for 2-3 years.
It's good to apply for a loan by using a revolving car as collateral. However, if it is the first time you come into contact with auto mortgage, you need to know these knowledge.
1. Which institutions can handle car mortgage?
At present, both banks and non-bank financial institutions can handle automobile mortgage, but compared with the latter, the scope of the former is relatively narrow. Because of the high loss and rapid depreciation of automobiles, banks are not very keen on automobile mortgage in order to reduce risks. Therefore, if borrowers want to get loans quickly, they might as well try to find non-bank financial institutions. 2. Do I have to take a taxi when applying for automobile mortgage?
It is reported that there are two kinds of car mortgages, one is to seize the car, the other is to seize the car and not to seize the car. Borrowers can use vehicles for free instead of cars through pledge vouchers, but this loan method has high cost and low quota; Mortgage loans are not only high in amount, but also more likely to be approved.
3. What are the fees for car mortgage?
For car mortgage, interest expense is definitely essential, but in addition, some lending institutions will charge some management fees and handling fees. Generally speaking, different lending institutions charge different fees.
10 matters needing attention in automobile mortgage:
1, most of the car mortgage is based on the mortgage certificate, not the car, which means that the relevant documents can be mortgaged to the lending institution to obtain a loan, and the car can be used as usual after GPS is installed. Therefore, before making a mortgage, we must first understand whether the car mortgage has a mortgage, and try to avoid the institutions that want to mortgage the car;
2. automobile mortgage's funds are often used for short-term turnover. If long-term loans are needed, it is not applicable to borrow money with cars as collateral;
3. Because automobile mortgage often produces higher expenses, if you choose a vehicle mortgage loan with a long cycle, you can try to repay it in advance if you have prepayment;
4. When choosing institutions, borrowers should try to choose formal lending institutions. For example, banks, micro-loan work in industrial and commercial registration. Only on this basis can we truly protect our legitimate rights and interests, and once disputes arise, the law can solve them.
Note: the vehicle mortgage needs to be registered, and it is invalid if it is not registered: when registering the mortgage, the vehicle ownership certificate should be presented. If a mortgage contract is signed, encourage mortgage registration at the vehicle management office.