First, unsecured loans.

In other words, when applying for automobile mortgage, you only need to provide the lender with the relevant documents of the car, and the car borrower can still use the car without affecting the usual traffic.

It should be pointed out that:

1. The process of unsecured mortgage loan is customer consultation → vehicle evaluation → providing personal credit report → credit review → signing contract → handling mortgage registration → changing insurance beneficiary → installing GPS→ lending money → repayment → taking the car.

2. The green copy must be kept by the lender, that is, the motor vehicle registration certificate is the necessary property right certificate of the vehicle, which is kept by the owner and not carried with the vehicle. After that, you need to apply for any vehicle registration such as vehicle transfer registration and transfer, which records the relevant information of the vehicle, which is equivalent to the household registration book of the car.

3. Article 400th of the Civil Code of People's Republic of China (PRC).

To establish a mortgage, the parties shall conclude a mortgage contract in writing. A mortgage contract generally includes the following clauses:

(1) The type and amount of secured creditor's rights; (2) the time limit for the debtor to perform the debt;

(3) The name and quantity of the mortgaged property.

④ Scope of guarantee. Article 403 Where chattel is used as mortgage, the mortgage right shall be established when the mortgage contract takes effect; Without registration, you may not be able to fight well-intentioned third parties.

Second, is mortgage car loan safe?

1. It is relatively safe to buy a new car and apply for a mortgage loan. For the borrower, there is no need to worry about the vehicle being sold to others.

2. This is unsafe for the lender, because the funds are taken away and the vehicle is driven away by the user, leaving some documents in hand.

The loan process of unsecured loans

Secured and unsecured loan process: 1, vehicle file verification and file search require customers to provide license plate number and ID number. It is mainly to inquire whether the customer's vehicle is illegal, unpaid, seized or stolen. 2. Vehicle evaluation: Evaluate the value of customers' vehicles, mainly through the second-hand car market and online inquiry to determine the present value of vehicles as the basis for lending. 3. Mortgage registration in dmv. The purpose of vehicle registration is to prevent customers from going to dmv alone to reissue the vehicle registration certificate. 4. The vehicle management office does criminal investigation rubbing, mainly because the vehicle management office checks whether the collected engine, frame, license plate number and model are consistent with the driving license record. The vehicle management office rubbings the bottom. 5. Change the first beneficiary of auto insurance, that is, the claimant. If a claimant is appointed, the insurance compensation will be owned by the claimant.

legal ground

The definition of mortgage in Article 394 of the Civil Code is to guarantee the performance of debts. If the debtor or the third party does not transfer the possession of the property and mortgage the property to the creditor, the debtor fails to perform the due debt or the creditor has the right to be paid in priority for the property.

The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

What is the process of unsecured mortgage loan?

Car-free mortgage loan refers to a form in which the lender mortgages the vehicle driving license and registration certificate to a bank or a small loan company without directly mortgaging the car to obtain a loan. The loan processing flow includes the following steps:

1. Application: The lender prepares the identity certificate and relevant information of the car and applies for a loan from the bank or loan company;

2. Audit: After the bank or loan company receives the application and accepts the information, it will audit the credit status and other information of the lender;

3. Signing a contract: After approval, both parties sign a loan contract;

4. Apply for mortgage: the lender will apply for mortgage registration, and after the application, the bank or lending institution will install a GPS positioning system on your car;

5. Appropriation: After all the above procedures are completed, you can wait for the bank to approve the funds.

What is the process of mortgage loan? What does this mortgage mean?

A loan with a mortgage certificate but no car refers to a loan with a mortgage vehicle registration certificate and a car without mortgage, and the mortgage can be lifted after the payment is paid off.

The process of applying for a loan to buy a car

I. Customer application

Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time.

Second, sign a contract.

After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate.

Third, issue loans.

Loans granted with the approval of the bank will be directly transferred to the car dealer's account by the bank according to the agreement after all loan renewals are completed.

Fourth, repay the loan on schedule

The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.

Verb (abbreviation for verb) loan settlement

1. Settle normally, and settle the loan on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment).

2. Early settlement: Before the loan maturity date, if the borrower settles part or all of the loan, he must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.

Note: After the loan is settled, the borrower should take back the legal documents and relevant certification materials extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.

Extended data:

Conditions for applying for a loan to buy a car

1. Car buyers must be at least 18 years old and be citizens of China with full civil capacity.

2. Car buyers must have a relatively stable job, a relatively stable economic income or assets that are easy to realize, so as to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities, gold and silver products, etc.

3. During the loan application period, the car buyer will deposit the down payment for car purchase lower than that stipulated by the bank into the bank savings counter account.

4. Provide banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.

5. Have the ability to repay bank loans.

6. During the loan application period, it shall not be less than the down payment for car purchase stipulated by the bank and deposited in the accounting department of the bank.

7. Provide recognized guarantees to banks.

8. Willing to accept other necessary conditions proposed by the bank. The special dealer referred to in the loan refers to the automobile dealer who is selected by the branches at all levels of the bank according to the financial strength, market share and reputation of the dealer on the basis of the recommendation of the automobile manufacturer, and then reported to the head office, and signed an automobile consumption loan cooperation agreement with each branch after confirmation by the head office.

Baidu encyclopedia-loan car purchase

Baidu encyclopedia-mortgage to buy a car