1. Which bank in Shijiazhuang can provide car mortgage loans?
Mortgage loans generally refer to real estate mortgage loans. To apply for a real estate mortgage loan, you need to meet the following conditions: 1. The lender must meet the following conditions when the loan expires: The actual age of the date is generally not more than 65 years old. 2. The lender has a legitimate occupation and a stable source of income, and has the ability to repay the principal and interest of the loan on schedule. 3. Be willing and able to provide a real estate mortgage recognized by the lender; the owner of the real estate recognizes its borrowing and guarantee behaviors and is willing to assume relevant legal responsibilities. 4. The property rights of the mortgaged house must be clear and comply with the listing and trading conditions stipulated by the state. 5. The mortgaged house is not included in the local urban renewal plan, and has a real estate certificate and land certificate issued by the real estate department and the land management department. 6. The owner of the collateral can be the borrower himself or another person. : Mortgage loan, also known as "mortgage lending". Refers to a lending method used by banks in some countries. The borrower is required to provide certain collateral as a guarantee for the loan to ensure the repayment of the loan when it is due. Collateral is generally items that are easy to preserve, not easy to lose, and easy to sell, such as securities, bills, stocks, real estate, etc. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and use the auction proceeds to repay the loan. The balance of the loan paid off by the auction proceeds is returned to the borrower. If the auction proceeds are insufficient to pay off the loan, the borrower will continue to pay off the loan. Let me share with you the application conditions for money-to-spend consumer products: they are mainly divided into two parts: age requirements and document requirements. 1. Age requirement: between 18-55 years old. Special reminder: Youqianhua declines to provide consumer installment loans to current students. If you are a current student, please give up the application. 2. Document requirements: During the application process, you need to provide your second-generation ID card and personal debit card. Note: The application only supports debit cards, and the application card is also your borrowing bank card. My identity information must be the second-generation ID card information. Temporary ID cards, expired ID cards, and first-generation ID cards cannot be used to apply.
2. Is there anyone who offers car mortgage loans in Shijiazhuang?
Just look at the name and call to inquire. If you have assets, the loan will be 80% higher, Hebei A, or Beijing-Tianjin brand. Just go through the formalities and don’t need to transfer the ownership. It depends on the condition of the car. Remember, it must be a small car and a new car with poor credit.
3. Can the car greenback be mortgaged with a bank?
Can it be used as a mortgage loan? The green copy of the car is mortgaged to the bank, and the loan is applied for without pledging the car. In this way, the loan funds can be obtained, and the user can use the vehicle during the loan period.
Many banks do not handle this business, and users need to consult before taking out a loan. After successful application, the user has to go through the mortgage release procedures after settling the loan, so that he can get back the car green book.
Mortgage loan, also known as "mortgage lending". Refers to the fact that banks in some countries require borrowers to provide certain collateral as guarantee for the loan to ensure the loan.
Collateral is generally items that are easy to preserve, not easy to lose, and easy to sell, such as securities. , bills, stocks, real estate, etc. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and use the auction proceeds to repay the loan. The remaining balance of the loan will be paid off with the auction proceeds
If the auction proceeds are not enough to pay off the balance, continue to pay off the loan.
Mortgage and unsecured
1. Loan from loan credit, mortgage loan is a guaranteed (or guaranteed) loan;
The interest rate of the loan will be much higher than The mortgage loan is 2-3 times the mortgage loan.
3. The term of the loan is relatively short. Generally, the loan term can be long or short, it can be one year or as long as 20 years. Repayment pressure is less.
4. In terms of loan amount: The amount is generally relatively small, and it is judged based on the lender. This determines the loan amount.
Mortgage loans are mainly determined based on the value of the collateral and the lender's repayment ability is considered.
5. From the time of loan issuance, you can get the loan; mortgage loans require 2- mortgage and pledge from approval---mortgage registration---loan.
The similarities between mortgage and pledge:
1. Mortgage loan, a loan obtained from a bank by the pledger with certain items as guarantee. Both are common forms of lending by banks.
2. Mortgage and pledge are both guarantees. Guarantee refers to a legal system that urges the debtor to perform its debts by ensuring the creditworthiness or specific property of three specific creditors.
The difference between pledge and mortgage
(1) The security items provided are different. Mortgage collateral is usually real estate (such as land, houses), special movable properties (cars, boats, etc.); pledges are mainly movable properties (such as deposit certificates, bonds).
(2) The possession form of the pledged property is not transferred, and the mortgagor is still responsible for the custody of the pledged property; the pledge changes the possession form of the pledged property, and the pledgee is responsible for the custody of the pledged property. . For example: I mortgaged my property but the property remains in my possession and custody. If I pledge a deposit slip, the deposit slip is in the possession and custody of the creditor.
(3) Mortgage only has the effect of pure guarantee, while in the pledge, the pledgee not only controls the pledged property, but also has the effect of lien.
(4) Disposal rights are different. If the debtor is unable to repay the debt on time, the creditor has no direct right to dispose of the mortgaged property and needs to negotiate with the mortgagor or complete the disposal of the mortgaged property after a judgment through appeal; while the disposal of the pledged property does not require negotiation or judgment and exceeds the provisions of the contract. The creditor can then proceed with the disposal.
4. What is the online reservation process for vehicle release in Shijiazhuang?
Make an appointment for vehicle management business - mortgage/release - check the materials to confirm - select the service hall, processing time, make an appointment for yourself (you can also make an appointment for others), fill in the vehicle chassis number and mobile phone number, etc. After the appointment is successful, go to the designated time and place.
Car release materials (the 4S has all prepared them, you can get them yourself if you don’t want an agent), which include the motor vehicle registration certificate (green book), registration application form, settlement certificate, mortgage cancellation, etc. ID card.