Then the payment is slow and goes directly to the company.

2. Can private cars be mortgaged at ABC?

Automobile mortgage's access conditions are as follows

Beijing brand car under personal name;

Within 6 years, the vehicle is within 654.38+ 10,000 kilometers;

Both husband and wife

The car is a non-operating car with less than 9 seats;

Beijing real estate or social security or enterprises have

Good credit information.

Ceddia

Identity cards and marriage certificates of both husband and wife

Great green book;

Driving license;

Bus ticket;

Bank running water and income certificate;

Address certificate;

Certificate.

Iii. automobile mortgage of Agricultural Bank of China

Legal subjectivity: 1. Can the car be mortgaged? According to Article 395 of the Civil Code, the following properties that the debtor or a third party has the right to dispose of can be mortgaged: 1, buildings and other land attachments; 2. The right to use construction land; 3, the right to use the sea area; 4. Production equipment, raw materials, semi-finished products and products; 5. Buildings, ships and planes under construction; 6. means of transportation; 7. Other properties that are not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together. Second, what conditions do you need to meet for car mortgage? 1. At least 18 years old, with full capacity for civil conduct; 2. China citizens who have a fixed residence in China and have lived and worked in China for a long time and have the ownership of local mortgaged vehicles; 3 have a stable job and economic income, and can guarantee the repayment of loan principal and interest on schedule; 4. Personal credit is good, and there are no bad credit records such as overdue and cashing in the credit report. The above are the basic conditions for applying for auto mortgage, but the specific conditions will be slightly different for different lending banks or institutions. It is recommended to consult the staff of the lending bank or lending institution before applying. Moreover, identity documents such as ID card and household registration book must be prepared when applying. If you are not a local hukou, you should also prepare a valid temporary residence permit or residence permit. And proof of work and income should also be prepared. There are also motor vehicle registration certificate, motor vehicle driving license, purchase tax additional certificate, vehicle insurance certificate, travel tax payment certificate, car purchase invoice, car purchase agreement signed with dealers and other related materials. Three. Advantages and disadvantages of automobile mortgage Advantages of automobile mortgage 1. The application threshold is low. Only if the borrower has a car in his name, the valuation is not less than 50 thousand yuan, and the car age is not more than five years, can he apply for car mortgage. Because there is a car as collateral, the loan company is more at ease with the borrower, so there is no strict requirement for credit reporting, which is simply "gospel" for borrowers with "credit stains". 2. The lending speed is fast. The car mortgage process is simple, and the loan company has a fast approval speed. The borrower can complete the formalities as soon as possible and get the loan funds. For borrowers who are in urgent need of funds, automobile mortgage is undoubtedly a good way to get funds quickly. Disadvantages of car mortgage 1, short loan period Because the car depreciates quickly, it is mortgaged by car, and the loan period is not long, generally not more than one year, which is suitable for borrowers who need funds in the short term. If they need to use funds for a long time, it is not recommended to apply for a car mortgage. 2. If the loan cost is high, you need to pay the car value appraisal fee when applying for automobile mortgage. If you don't pledge the car, you need to pay the GPS installation fee and rental fee, as well as the handling fee. Generally speaking, the handling fee for mortgage and mortgage is relatively low, but it will affect the borrower's car. Generally speaking, the comprehensive calculation of various expenses in automobile mortgage is relatively high.

Legal objectivity: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.