At present, Agricultural Bank, China Construction Bank and Industrial and Commercial Bank of China can all mortgage their cars. Take the Agricultural Bank of China as an example. The specific conditions for its treatment are as follows:
1. The applicant must be between 18 (inclusive) and 60 (inclusive) and have full capacity for civil conduct. 2. The applicant has certain repayment ability. 3. The applicant has a good credit status and no bad personal credit record. 4. The applicant has the household registration certificate or valid residence certificate of the place where the handling bank is located. 5. The applicant's car purchase behavior is true and can pay a down payment of not less than the prescribed proportion. If the applicant applies for replacing the personal car loan, he must pay the full purchase price. 6. Applicants need to provide qualified guarantees. 7. Applicants need to open a current deposit settlement account or a bank card account in China Agricultural Bank, and are willing to accept the credit supervision and settlement supervision of China Agricultural Bank. 8. If the applicant only uses the purchased vehicle as collateral, the personal credit rating shall be above Grade A (inclusive). If the applicant guarantees in combination, the first-tier branch shall determine the credit rating access standard.
The materials and conditions needed for automobile mortgage are: having a stable job and the applicant having the ownership of the mortgaged vehicle; Have a long-term residence; We also need the registration certificate and driving license of the motor vehicle, as well as the relevant purchase invoice and purchase additional tax certificate (original); Must have a resident identity card, no temporary residence permit and residence permit; If it is an imported car, you need to have the relevant insurance policy, vehicle and vessel tax and the relevant tax payment certificate of the imported car!
When making a vehicle mortgage loan, it is best to provide a fixed and detailed address description. Personal credit is good and the loan pass rate will be higher!
With the higher living conditions, loans are gradually infiltrating into the daily life of ordinary people. However, if you want to make a vehicle mortgage loan, you should still pay attention to the relevant loan conditions, know the bank of the loan, and never trust some illegal lending institutions, which will bring unnecessary economic losses to yourself! The above is the introduction of vehicle mortgage loan, I hope it will help you!
Can I get a loan from the bank by car?
It is ok to borrow money from banks by car, which can be used by several domestic banks, such as ICBC, CCB and ABC.
Conditions:
1, a natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (exclusive); Foreigners and Hong Kong, Macao and Taiwan residents who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation.
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement).
3. Have a good credit record and willingness to repay.
4, with a stable source of income and the ability to repay the principal and interest in full and on time.
5. Can provide legal, effective and reliable vehicle mortgage recognized by the bank.
6. Open a personal settlement account in the bank.
7. Other conditions stipulated by the bank.
Extended data:
Conditions and materials required for applying for services in automobile mortgage:
1. has a stable occupation, and the applicant has the ownership of the local mortgaged vehicle.
2. Carry out business and live and work in the city for a long time.
3, motor vehicle registration certificate, driving license, purchase tax additional proof (this), car purchase invoice.
4. Insurance policy, travel tax, and relevant tax payment certificates for imported vehicles.
5. ID card (temporary residence permit or residence permit within the validity period provided by non-local account customers)