Go to the bank to apply for a car loan. Isn't the automobile mortgage loan green?
Vehicle mortgage loans can be mortgaged with green capital. Because lending institutions have to use customers' green funds to handle mortgage registration procedures, under normal circumstances, vehicles that must be mortgaged with green funds will not require customers to mortgage loans again. If customers don't want to bet green capital, some lending institutions will ask customers to mortgage loans, which is why lending institutions can protect their own interests in order to avoid risks.
If customers have more application demand for cars, they can choose the pledge loan method of betting on green capital. In this case, as long as the customer repays the loan according to the regulations, his daily car will not be affected. Of course, after paying off the car loan, the customer should also retrieve the vehicle registration certificate from himself as soon as possible and handle the vehicle release.
If the customer doesn't use the car often, or is still paying back the car, and the vehicle registration certificate is not in his own hand, in this case, the customer can try to apply for a loan mortgage, but in this case, the car that must be mortgaged still has a certain relative residual value, and this is a secondary mortgage, so it is difficult for some formal lending institutions to agree to this loan application.
Therefore, whether the vehicle mortgage loan needs to be mortgaged mainly depends on the customer's own specific situation, and the customer can judge and choose the appropriate lending institution to apply for the loan.
In addition to the Green Paper, customers should also prepare personal credit report, personal income certificate, tax payment voucher, personal ID number, a spare car key and other related materials and objects in advance according to the needs of lending institutions, depending on the needs of lending institutions.
Automobile mortgage process
The important steps of automobile mortgage are as follows:
1. Submit the loan application to the lending institution for processing. At this time, customers are advised to consult more lending institutions and choose the one that suits them.
2. Prepare loan materials in advance according to the needs of lending institutions. This information includes the ID number of the driver and his pledger, personal income certificate and personal credit report, which should actually be based on the work notice of the lending institution.
3. Lending institutions audit the relevant information of customers. Mainly depends on whether the customer's income is full and whether the personal credit report is tainted.
4. The approval will evaluate the value of the mortgaged vehicle. The higher the value of the mortgaged vehicle, the more credit lines customers can get. Some lending institutions have very strict requirements for mortgaged vehicles, and their age and cruising range should not exceed the limit.
5. After the car evaluation, the lending institution will sign a loan contract with the customer. Customers must carefully observe the specific contents of the loan contract to see whether the credit line, annual interest rate and term of the loan are consistent with the original contract.
6. After signing the contract, the lending institution will provide loans. Generally speaking, the lending time of vehicle mortgage loan cannot exceed 1 month, and customers can pay attention to the work notice of the lending institution in time. Once the loan is issued, they need to remember to repay it as agreed.
It can be seen that after the loan is issued, the customer needs to repay the loan according to the regulations. Before the loan is issued, the entrustment relationship has not really been reached.
Unsecured green car loan
You can get a loan without mortgaging a green car. When we say that a car has no "green paper", we generally mean that the car has no motor vehicle registration certificate. If you can't mortgage the "Green Paper" to the lending institution at the time of loan, you can also apply for a mortgage card instead of a mortgage card. But in this case, your car can't be used normally, so this loan model is still relatively rare.
Several common situations in which banks refuse loans;
(1) Bad credit records lead to loan approval failure: most people now have multiple credit cards at the same time, and many people in the "card family" have records of overdue repayment. After enjoying the convenience of credit cards, they don't care about credit records. In recent years, there are many cases in which banks refuse to lend due to overdue credit cards. If the credit card is overdue for six consecutive times, it will be regarded as bad credit by the bank and the loan application will be rejected. Therefore, we should pay attention to the issue of credit reporting, repay in time, and don't become a blacklist of credit reporting.
(2) Microfinance: With the development of Internet and big data, many people around you have started to borrow money online. Some have capital turnover to do business, and some have loans to support loans. Although these people have good credit information, when the bank applies for a mortgage loan, the bank will ask you to pay off the small loan in advance. Therefore, before buying a house, you should evaluate your debt ratio timely and accurately, unless your income can fully support microfinance and housing loans. But according to experience, 95% banks will ask you to repay small loans when actually handling loans. After the mortgage is approved, you can apply for a small loan. Therefore, you must consult the relevant questions before buying a house, because there are many cases in which the small loan is unclear. (The above refers to the loan on credit reporting).
(3) Consumer loans: refers to some small loans, such as computer installment and mobile phone installment. No matter how much it is, you must pay it off before you can apply for a mortgage, especially for single customers.
(4) Car loan: Under normal circumstances, it is not difficult to apply for a car loan with a mortgage. If you have a car loan, it will be very difficult to apply for a mortgage loan.
(5) Whether there is low-rent housing or special welfare housing for a certain period of time (regional policy): Before buying a house, it should be determined whether there is low-rent housing under the name of family members. Before buying a house, ask if there is such a house at home. If so, you'd better consult the Housing Authority in advance, whether it is necessary to cancel and whether it can be transferred. Then decide whether to buy a house. Don't be in a dilemma when you can't pay the bill after paying the money.
Can green books be mortgaged?
Users can mortgage the green funds of cars to banks and apply for mortgage loans, so as to obtain loan funds, and users can use cars during the loan period. Users can look at the loan amount of their vehicles first, and then decide whether to apply for a loan in this way. In addition, many banks do not handle this business, and users need to consult before they can lend money.
After successful handling, users have to go through the mortgage cancellation procedures after clearing the loan before they can get back the green paper of the car.
Car green could have been mortgaged. Users can apply for loans with ID card, marriage certificate or unmarried certificate, bank account, income certificate, personal credit report, motor vehicle registration certificate, driving license, compulsory insurance policy, driver's license, loan use commitment and application form to relevant banks.
Motor vehicle registration certificate mortgage loan conditions:
1 over one year old1under eight years old China citizens under 65 years old have full capacity for civil conduct.
2 have a stable source of income and the ability to repay the principal and interest of the loan in full and on time.
3. Personal credit is good. There is no negative information in the credit report that can affect the loan approval.
4. Collateral certification materials with loan approval, including but not limited to the list of low/pledged goods, the certificate that the dispositioner (including the property * * *) agrees to the low/pledged goods, the written evaluation certificate, the certificate of ownership or use right of the collateral, etc.
5. Possess legal and valid identity certificate, household registration certificate or valid residence certificate of the city where the loan bank is located, marital status certificate or unmarried certificate.
6. Open a personal settlement account in a loan bank.
7. Other conditions stipulated by the lending bank.