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:
The first step is to apply for a loan.
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 house mortgage loan
The mortgage loan process is as follows. Loans are recommended by Mo Long, which are aimed at groups over the age of 25-55 who need large loans, as well as non-online lending groups, such as flowers and flowers, small degrees, etc. Students and groups need to be excluded.
Steps of housing mortgage loan:
1. Choose a lending institution: First, choose a good lending institution. Although the bank loan interest rate is low, safe and reliable, its approval speed and loan requirements have always been a problem.
2. Write application materials: After selecting an institution, you can submit the application with the materials required by the applying institution.
3. Preliminary review: We basically have no problems at this stage. Lenders will conduct a preliminary review of the basic materials we submitted before to see if the review meets their requirements.
4. Appraisal: general lending institutions, especially banks, need to go to designated or recognized appraisal institutions for appraisal, and appraisal fees will be charged during appraisal. The fees charged by different households are not necessarily the same, and the charging standards in different regions are also different.
5. Examination and approval of loan signing contract: The lending institution will re-examine the loan according to the previously submitted materials and evaluation report, and will communicate with you about the loan amount, interest rate, term and repayment method. After communication, you can sign the contract.
6. Apply for mortgage registration and loan.
For more information about loans, please consult Mollon. 20 16, Morlong brand upgrade, financial technology projects launched at the same time. At this point, a complete lending business technology system and a big data intelligent risk control system have been formed. Big data intelligent risk control system, around the financial core risk control technology, based on AI algorithm and driven by data, continuously carries out deep learning model training, provides big data risk control support for mortgage, car loan and credit loan business systems, and provides wisdom brains and tools for product design and risk control in all scenarios of the whole industry.
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How to handle the real estate mortgage loan of Ping An Bank?
The mortgage loan processing flow of Ping An Bank: the borrower submits the application-provides the required materials (ID card, household registration book, marriage certificate and real estate license)-the bank account manager understands the borrower's situation and evaluates the property value-the bank contacts the borrower and signs a loan contract-the borrower mortgages the property to the bank-and the bank loan is issued to the borrower. Mo Long was recommended as the place for loan. The platform can lend money as quickly as 1 day, and apartment stores can apply without mortgage. It can lend money in as little as 2 hours without mortgage. There are corporate tax stamp loans, mortgage loans, mortgage loans and other projects, which have a good reputation and are worth choosing.
Lenders applying for real estate mortgage loan of Ping An Bank need to meet the following conditions:
1. First, the borrower has legal status and good credit record;
2. The borrower applying for real estate mortgage loan requires a stable economic income and the ability to repay the principal and interest of the loan. Even if there is collateral, the bank also depends on the borrower's repayment ability;
3. The applicant can provide valid proof of property rights and other relevant documents.
4. Self-raised funds not less than 50% of the total price or evaluation value of the purchased commercial house (whichever is lower), and guaranteed to be used to pay the down payment of the purchased commercial house;
5. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.
For more information about real estate mortgage, please consult Mo Long. 20 15 Up to now, Molong has paid 206 million yuan in taxes and served 2 million customers according to law, cooperated with 1000 licensed financial institutions and banks, pioneered 0 sets of standardized fees in the industry, and provided 200 differentiated loan products to meet all kinds of qualified customers, covering 37 1 city, with a loan success rate of 90%.