Simply put, there are several steps: preliminary examination, notarization and mortgage. The preliminary examination must go through the preliminary examination of the bank before going through the loan formalities. Previously, consumers were required to hand over the following materials to the car dealers who went through the formalities: loan application form (filled in according to the standard format of banks), automobile consumption loan agreement signed with car dealers, household registration book, ID card marriage certificate or unmarried income certificate, and water and electricity bills. In order to increase the success rate of the application, you can provide some circumstantial materials such as real estate license, academic certificate and business license. The first trial is mainly to investigate the reliability of personal credit. Customers whose notarization and mortgage have passed the preliminary examination of the bank can go through the relevant procedures such as car purchase, licensing and vehicle insurance, and then go through the notarization on another day. Notarization requires carrying motor vehicle registration certificate, rubbing of vehicle engine and frame number, car purchase invoice, insurance policy, purchase tax invoice, down payment certificate, motor vehicle driving license, mortgagor's ID card and private seal. Customers need to personally sign a formal loan contract and mortgage contract at the bank or notary office, which will be notarized on the spot. After the formalities are complete, the bank will go to the vehicle management office to handle the vehicle mortgage procedures. Generally, the whole loan procedure can be completed within one week. The necessary materials for applying for loans at CCB outlets are: ① Individuals: valid identity documents for applying for loans, proof of occupation and income, basic family information, certificates or documents required for car purchase contract or agreement guarantee or other conditions stipulated by the lender. (2) Legal person: loan application, business license of enterprise legal person or legal representative of enterprise legal person, certificate of legal representative, loan certificate issued by People's Bank of China, financial report of the previous year audited by accounting (auditing) firm, balance sheet, income statement, cash flow statement of the latest month, list of collateral and pledge, and certificate of consent to mortgage and pledge. Collateral must also submit proof of ownership or right to use, valuation and insurance documents, and other documents stipulated by the lender that the guarantor agrees to guarantee. The borrower shall take full responsibility for the authenticity and legality of the materials provided. After accepting the loan application, CCB has the right to investigate the credit status of borrowers and guarantors. For those who do not meet the loan conditions, CCB will notify the borrower within 15 working days after accepting the loan application. For those who meet the loan conditions, CCB will promptly notify the borrower to go through the loan guarantee procedures and sign the automobile consumption loan contract. The borrower shall take out collateral insurance with the insurance company designated by China Construction Bank in advance, and indicate in the insurance policy that the first beneficiary is China Construction Bank, and the insurance period shall not be shorter than the loan period. China Construction Bank issued a notice of automobile consumption loan to the dealer, and the borrower also paid the dealer the down payment for car purchase. After receiving the notice of automobile consumption loan and the receipt voucher, the dealer shall assist the borrower to go through the payment and license obtaining procedures in the relevant departments, and directly hand over the purchase invoice, the original payment voucher and the copy of the driving license to the Construction Bank. The insurance policy, car purchase invoice and other documents mortgaged by the borrower with the purchased car shall be kept by the Construction Bank during the loan period. During the contract period, CCB has the right to supervise the borrower's income and collateral, and supervise the guarantor's reputation and compensatory ability. The borrower and the guarantor shall provide assistance. The amount of down payment depends on your ability. Generally speaking, the monthly payment is more than 30% of the price of bare cars, depending on your own ability. The general insurance loan will be paid off within 5 years, and others will use it at least 1 year. In addition, insurance can be paid for more than one year, which is my answer and suggestion. After all, a car is a depreciating commodity. After the loan, the money you finally buy is equivalent to 1.5 car price, and the car will continue to generate expenses in use. Personally, I think loans

Second, mortgage registration should be done after buying a car with a loan. What is mortgage registration and how to handle it?

Mortgage registration is a legal act that both parties to the mortgage perform in the relevant registration agencies in accordance with legal procedures in order to establish mortgage rights. On the one hand, the function of mortgage registration is for transaction security. The establishment of mortgage itself is to ensure the safety of the principal creditor's rights. After the legal procedure of registration, it can play a role in checking whether the collateral is defective, which is conducive to protecting the mortgagee. On the other hand, China's current laws stipulate that mortgage registration is a legal act, and mortgage is a kind of other right set on collateral, and fulfilling mortgage registration procedures is a necessary condition for the establishment of mortgage legal relationship. For the sake of risk control, lending institutions will require vehicles to go through mortgage registration procedures. The procedures and steps are as follows:

(1) Original and photocopy of the motor vehicle owner's identity certificate (original and photocopy of the organization code certificate of the unit vehicle, original and photocopy of the valid residence permit of the temporary population);

② Original and photocopy of the mortgagee's identity certificate (official seal is required);

③ Original mortgage contract;

(4) Power of attorney of the mortgagee and power of attorney of the motor vehicle owner (stamped with official seal and check seal);

(5) If it is an agent, the original and photocopy of the agent's identity certificate are required;

⑥ Motor vehicle registration certificate;

⑦ Fill in the Application Form for Motor Vehicle Mortgage Registration/Pledge Filing. It should be noted that according to Article 4 1 of the Guarantee Law of People's Republic of China (PRC), the real estate mortgage shall be registered, and the mortgage contract shall take effect from the date of registration.

3. Can Jinan citizens register their car mortgages in their own names? What is the registration procedure? How long will it take? ...

Car mortgage and real estate mortgage are registered in the name of individuals other than banks. Registration requires providing vehicle information and personal identification information. Depending on the distance, generally 3-5 working days can be used for other rights. View original post >>

4. What materials are needed for car loan mortgage?

The materials required for car loan mortgage are as follows: 1, the original ID card, household registration book or other valid residence documents, and provide their copies; 2. Proof of professional income; 3. Proof of economic income; 4. Car purchase agreement, contract or letter of intent signed with the dealer; 5. Other information required by banks or lending institutions. Auto loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at special dealers. You don't need a real estate license to buy a car. Generally, you can buy a car by stages, and there is no real estate. The success of the loan depends on personal qualifications. The down payment of a car loan should be at least 30% of the car value. At the same time, because buying a car requires an upfront loan, it is recommended to prepare more than 40% down payment. At the same time, the loan period for buying a car is generally three years, and it cannot exceed five years at most. Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third party's car or self-purchased car as collateral. The purpose of loans with automobiles as collateral is mainly automobile consumption. The conditions for buying a car are: 1, valid identification and full capacity for civil conduct; 2. Can provide a fixed and detailed address certificate; 3. Have a stable occupation and the ability to repay the loan principal and interest on schedule; 4. Personal social credit is good; 5. Holding a car purchase contract or agreement approved by the lender; 6. Other conditions for car purchase in Shenyang stipulated by the cooperation organization. Also known as unsecured loans, or credit loans. You don't need any collateral. You only need proof of identity, proof of income, proof of address and other materials (see the bank for specific proof materials) to apply for a loan from the bank. Banks issue loans according to personal credit, and the interest rate is generally slightly higher than that of secured loans. Customers can choose the loan term according to their individual circumstances, and then sign a contract with the bank, which is guaranteed.