Car mortgage is probably not feasible now. With the tightening of money supply, all walks of life will control risks in the future. There were not many banks that accepted car mortgages, but now it is estimated that there are none. You can find a guarantee company and pay a certain percentage of the loan guarantee fee after getting the loan! You can apply for the loan business of local rural credit cooperatives or local banks, but it is recommended to apply online, because the loan officers of local rural credit cooperatives or banks may be unprofessional, while some professional lending institutions are more professional, which can help you find the most suitable loan scheme, regardless of geographical restrictions, and some do not charge. They know which bank has this product, which bank has the highest loan amount, the lowest loan interest rate and the longest loan term. Will give you the most suitable loan scheme. Very suitable for ordinary individuals who are short of funds.
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Maybe it will help you! Anyway, you can't get a loan, and you don't charge! Good luck!
Second, how to deal with the mortgage in your own name?
The car is mortgaged, and of course it is still in its own name. As long as you pay off the loan, you can cancel the mortgage and continue to own it.
If the vehicle mortgage is used to pay off debts, an agreement shall be signed with the consent of the creditor to transfer the vehicle to the creditor, so that the debts can be paid off, and the vehicle will be transferred to the creditor's name, and it will no longer enjoy the right to use the vehicle and bear the responsibility for using the vehicle.
3. Can the vehicles under the company name be mortgaged?
Since it is a vehicle under the company's name, it is also possible to apply for a commercial mortgage loan at the bank after the vehicle arrives.
4. 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.