1, bank credit loan
Application materials: mortgage contract, ID card, driving license, driving license and vehicle insurance policy. If you have real estate, please provide real estate license, which can increase the quota.
Handling conditions: the original car loan amount is greater than or equal to 654.38+ 10,000; The repayment period is greater than or equal to 12 months or less than 6 months; The borrower's (that is, the owner's) credit requirement has no "4" in the last 24 months, no "3" in the last 12 months, no "2" in the last 6 months, and it is not overdue at present.
Handling process: provide copies of the front and back of the ID card to check the credit report, determine the loan amount, take the information to the bank to formally submit the application, answer the bank phone for review, wait for the review result (basically completed on the same day), and transfer the funds to the borrower's bank account.
2. automobile mortgage
Application materials: motor vehicle registration certificate, driving license, purchase additional tax certificate (original), car purchase invoice, insurance policy, travel tax, tax certificate related to imported vehicles, and ID card.
Handling conditions: cars, cars by stages, foreign vehicles and other motor vehicles that meet the legal requirements under the names of individuals and public accounts.
Handling process: automobile evaluation, contract signing and loan lending.
3. Unsecured loans
Application materials: ID card (temporary residence permit for foreign residence); Motor vehicle registration certificate; Motor vehicle driver's license; Vehicle insurance policy (compulsory insurance/commercial insurance); Work certificate; Proof of address (any water, electricity and coal bills in the last month). Other supplementary materials: real estate license, bank running water, etc.
Handling conditions: the purchase time of the vehicle under the applicant's personal name shall not exceed 5 years (based on the date of first registration), and the mileage shall not exceed 80,000 kilometers.
Procedures: Redeem the car, pay off the loan owed to the bank, cancel the mortgage registration, transfer the registration certificate to the individual's name, re-register the mortgage, mortgage the registration certificate to the loan company's name, change the insurance and install GPS.