Vehicle mortgage loan conditions:
1. China citizens who have reached the age of 18, have full capacity for civil conduct and have a permanent residence in China.
2 have a stable professional and economic income, and can guarantee to repay the loan principal and interest on a regular basis.
3. Guarantee measures approved by the loan bank can be provided for automobile mortgage.
4. The lender has the ownership of the local mortgaged vehicle.
5. The lender shall have vehicle registration certificate, driving license, vehicle purchase surcharge certificate (original) and vehicle purchase invoice.
6. Provide insurance policies, travel taxes and tax certificates related to imported vehicles.
7. The lender has a good personal credit record.
8. Other conditions of the lending institution.
The above are the general vehicle mortgage loan conditions. Friends who want to apply for a vehicle mortgage loan can see if they meet the conditions of a vehicle mortgage loan. If you meet the above conditions of vehicle mortgage loan, you can basically get a loan when you apply for a vehicle mortgage loan.
Can the company car be mortgaged?
For cars under the company's name, the company as a legal person can apply for mortgage loans with vehicles. Apply for a mortgage loan with the vehicle as collateral. Because vehicles are consumables, the loan amount is usually not too high and the loan period is not very long. However, it is no problem to apply for a loan from the bank as collateral.
If you want to apply for a loan with a higher amount and a longer loan term, you need to use other collateral as collateral. Of course, the collateral should also meet the requirements of the bank. In addition, if the personal income is relatively high and there is not much debt, you can also apply for a large loan.
Extended data:
The requirements for handling car loans are as follows:
1. Applicant 18 years old or above, and needs to have full capacity for civil conduct. But some places require applicants to be over 23 years old. Please consult the staff for details.
2. Have a stable occupation and the ability to repay the loan principal and interest on schedule.
3. Personal social credit is good, and there should be no trace of frequent credit inquiry in a short time, and other loans or credit cards under his name are not overdue.
4. It is best to have a stable residence where the loan is located.
5. Other conditions stipulated by the Cooperation Organization.
The difference between owner loan and car loan:
Ping an car owner loan is a loan that only needs vehicle registration certificate as collateral, and car loan is a loan that does not take the car or install GPS. Both can be used for personal consumption or business, and the main differences are as follows:
1. Loan amount:
The loan amount of the owner's loan ranges from 300,000 yuan to 500,000 yuan; The car loan amount is between 500,000 and 500,000.
2. Application conditions:
The owner's loan requires the borrower to be between 22 and 60 (inclusive); It is a non-operating vehicle under my name and has been licensed for 3 months; The service life of the vehicle shall not exceed 10 year (subject to the date of first registration), and the mileage shall not exceed10.5 million kilometers; The approved value of the vehicle × the loan ratio shall not be less than 30,000.
Car loans require borrowers to be between 25 and 55 years old (customers who purchase performance insurance can be relaxed to 22 to 60 years old); Have a full car, no mortgage; The vehicle purchase shall not exceed 7 years (subject to the date of first registration), and the mileage shall not exceed1.2000 km; The vehicle evaluation value is above 70,000 (inclusive).
Automobile loans overdue collection:
Different banks or lending institutions may have different regulations, but basically they will stipulate in the loan contract that if the loan is not repaid for more than three months and the overdue nature is bad, it will be forced to auction. At the same time, other assets under the name may also be frozen for disposal.
It can be seen that the car loan is overdue for more than three months. Everyone must remember to pay back the car loan on time after buying a car.
If it is overdue, it may be just a collection at first, but once it is overdue for less than three months, the nature is different, and it is likely to be recognized as malicious overdue by banks or lending institutions. If it is overdue, not only will the car be taken back for auction, but personal credit will definitely be greatly affected. Therefore, even if you can't afford it for a while, you should take the initiative to negotiate instead of turning a blind eye to the collection.
Automobile mortgage condition
1, requiring the borrower to be between 22 and 60 years old;
2. Vehicles that need to apply for mortgage loan business should be motor vehicles with local licenses (in general, it is difficult for large trucks, engineering vehicles and special vehicles to apply for mortgage loans);
3. Require the individual loan applicant to register with the local vehicle management office and have the vehicle mortgage right;
4. It is required that the mortgaged vehicle has no illegal acts and the procedures are complete;
5. It is required that the mortgage car is not old and meets the mortgage conditions of the lending institution;
It is required to install GPS in the car to know the running situation of the car.
It is understood that the amount of auto loans is related to the types of cars and the situation of collateral. Details are as follows:
1. If the vehicle to be loaned is a commercial vehicle, the maximum loan amount shall not exceed 70% of the total value of the vehicle;
2. If the loan car is a private car, the maximum loan amount shall not exceed 80% of the total value of the car;
3. If the car being loaned is a used car, the loan amount is determined by the appraised value.
What are the procedures and conditions for handling vehicle mortgage loans?
Vehicle mortgage loan is a private loan, and banks do not have this business. Mortgage is to register the motor vehicle registration certificate (Great Green Paper) with the local vehicle management office. Conditions: the car has been paid in full, or the installment payment has been completed, that is, the car is no longer mortgaged. This kind of car can be mortgaged without any special conditions. You can go to the local vehicle management office with the original and photocopy of the ID card of the owner and mortgagee and the mortgage contract. It's simple.
Can the company car be mortgaged?
The company's car can be mortgaged, but the loan must be applied in the name of the company.
To use the company's car as a mortgage loan, the following conditions need to be met: the enterprise has independent legal personality and is a domestic-funded enterprise registered in the administrative department for industry and commerce; The car is under the name of the enterprise; Only the company legal person or shareholder has the right to handle the repayment of vehicle mortgage loan on behalf of the enterprise.
Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan, ID card, income certificate, housing sales contract, guarantee and other legal documents filled out by the buyer to the loan bank. , must be submitted. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the sales unit within the time limit stipulated in the contract.
The longest loan period is not more than 30 years, and the second-hand housing provident fund loan is not more than 15 years; The loan amount is 70% of the appraised value of the house; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate shall change according to the loan term. The following is the latest loan interest rate table of 20 13 (the interest rates of banks have risen according to the housing situation).
Article 12 of the Interim Measures for the Administration of Personal Loans, the lender shall require the borrower to apply for personal loans in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions. Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion. Article 26 The lender shall standardize the guarantee process and operation in accordance with the relevant provisions of People's Republic of China (PRC) Property Law, People's Republic of China (PRC) Guarantee Law and other laws and regulations. The Lender shall participate in the mortgage registration according to this Contract. If the lender entrusts a third party to handle the matter, it shall verify the registration of the collateral. Personal loans secured by guarantee shall be completed by at least two loan officers.
This concludes the introduction of company vehicle mortgage loan conditions and company vehicle mortgage loan conditions. I wonder if you have found the information you need?