1. Car mortgage without car loan
With car loan, you don’t need any mortgage. The car mortgage loan platform also has loan plans without car mortgage to choose from. What if the borrower wants to apply for a car mortgage using a vehicle under his name? Let’s take a look next.
No pledge car loan
1. Which platform is better for no pledge car loan?
1. Ping An car owners
can apply through Ping An Pocket Bank. They do not pledge the car but only the certificate. The loan amount is between 50,000 and 12, 24 and 36 periods. The annualized interest rate of the loan is divided into For the four levels of 12, 14, 16 and 18, performance insurance users can apply and be approved on the same day at the fastest. If the information is complete, after completing the mortgage registration, the loan can be released on the same day at the fastest.
2. Jingdong car loan loan
It is jointly launched by Jingdong Finance and cooperative institutions. You can make an appointment through Jingdong, and then usually a staff member will contact you within 3 working days to make arrangements. For offline loan business, you can get a car loan without a mortgage. The maximum loan amount is 750,000, and the maximum installment is 48 installments. The loan interest rate is based on the actual approval of the cooperative institution.
3. Yixin Car Loan
Part of Yixin Group, you can apply through the Yixin Auto Loan official website, fill in your name and mobile phone number, customer service will contact you by phone within 24 hours, then submit the information, wait for review and approval, handle mortgage registration, and provide loans within 24 hours at the fastest. The credit limit ranges from RMB 30,000 to RMB 1 million, and the monthly comprehensive cost starts at 0.79, which meets the needs of a no-pawn car loan. You can get the money and drive the car.
4. China Car Flash Loan
A subsidiary of China UCAR Group, it cooperates with many commercial banks to provide users with convenient and fast non-pledged car loans, but it requires fast mortgage registration. Loans are provided within 2 hours, with a maximum of 36 installments and a minimum interest rate starting from 0.3.
5. Alipay Auto Finance
You can apply for a mortgage loan from Ma Auto directly on the Alipay platform, including the license plate number, model, date of registration, mileage, etc., and you can Obtain the estimated quota, and the quota interval is 12 periods. The loan interest rate and actual quota are subject to approval after offline vehicle inspection.
6. Ctrip Car Mortgage
Launched jointly by Ctrip Finance and partner institutions, it provides mortgage loan services to car owners, but there is no need to pledge the car. The borrower can drive the car as usual, and only All you need to do is go through the mortgage registration procedures. The loan amount ranges from 50,000 to 1 million. If the procedures are complete, the fastest interest rate on the same day will be 0.02.
7. Weidai.com
An Internet financial platform focusing on car mortgage loans. You can get a loan if you have a car, but you don’t need to pledge the car. You only need to register the car. The highest loan is in long installments. For 36 months, the monthly loan comprehensive rate is as low as 0.55. You can apply online and the approval will arrive quickly.
8. WeBank Micro Car Loan
Although it is not a car mortgage loan product, it can also provide Internet car financial services, such as consumer loans for car purchase, car use, and car maintenance. You can apply through WeChat on your mobile phone, the quota will be issued in seconds, and the loan will be completed in 30 minutes
2. Can the installment car be used as a loan at Ping An Automobile?
If your credit report is good and the vehicle is worth more than RMB 70,000, if there is a Ping An Bank in your local area, you can go to Ping An Bank to get a car mortgage loan. The interest rate is between 5% and 8%. But it is generally 8% and 5%, and it is rare to evaluate the interest rate of 5% and 5%.
If your vehicle is less than RMB 70,000, you can apply within one year. If the vehicle is more than three years old and is reassessed to be less than RMB 50,000 after damage, which is not enough to deposit the vehicle, then your vehicle Unable to get a mortgage.
The advantage of Ping An Bank’s car loan is that it does not require the installation of a GPS, there are no appraisal fees, and there are no other handling fees. Compared with other car loans on the market, it beats all products instantly.
But if your credit report is not very good, there are other financial companies that can also apply for car loans, with interest rates ranging from 8.5% to 1.5%. All the benefits I mentioned are equal principal and interest. In addition, there are other miscellaneous fees for installing a GPS, which is about 2,000, and there is a monthly traffic fee of 100 to 300, depending on the financial company.
The upper limit of car loan loan amount is 500,000, and a few financial companies can reach 800,000. In addition, the repayment time is basically 3 years, at least 2 years. Some companies also offer 6 months.
3. Can a car that is paid in installments be loaned at Ping An Bank?
First select the product and click on installment payment. If it shows that Ping An Bank is supported, then you can click to apply for installment payment.
4. Can installment cars be mortgaged?
Installment cars cannot be mortgaged, because the installment cars are purchased with installment loans and have already been mortgaged once during the installment process. The vehicle registration certificate cannot be used for re-mortgage. The individual car that is being installmentd has no ownership rights, and the installment loan institution will also seize the vehicle registration certificate. : Mortgage loan, also known as "mortgage lending". Refers to a loan method used by banks in some countries. The borrower is required to provide certain collateral as a guarantee for the loan to ensure the repayment of the loan when it is due. Collateral is generally items that are easy to preserve, not easy to lose, and easy to sell, such as securities, bills, stocks, real estate, etc. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and use the auction proceeds to repay the loan. The balance of the loan paid off by the auction proceeds is returned to the borrower. If the auction proceeds are insufficient to pay off the loan, the borrower will continue to pay off the loan. A mortgage means that the mortgagor (buyer) obtains the ownership of the purchased commercial house through installment payments. It has two meanings for house buyers: first, the house payment can be paid in installments within a specified period; second, during the installment payment stage, the ownership of the house is "mortgaged" and cannot be "released" until it is fully paid off ( Get). In addition, mortgage sales involve three-party debt relationships - that is, the relationship between the mortgagor (house buyer), the developer (house seller), and the mortgagee (usually the relevant bank). Its procedure is that the mortgagor (house buyer) first signs a house purchase contract with the developer and prepays part of the purchase price; then the mortgagor (house buyer) signs a mortgage contract with the mortgagee (bank) based on the contract, and the The bank pays the remaining purchase price to the developer, and the home buyer makes regular payments to the mortgage bank until the "mortgage payment" is paid off as required, and the mortgage process ends. A mortgage is a way for a home buyer (mortgagor) to borrow money from a bank (mortgagee). That is, the house buyer uses the purchased property as collateral, signs a mortgage contract with the bank, and uses the non-transfer of ownership as a guarantee to repay the loan to the bank on time. This loan must pay interest. After the house buyer (mortgagor) repays the principal and interest to the bank according to the contract, he can take back the collateral - "House Ownership Certificate" and "Land Use Certificate". This means that the buyer does not actually own the home until the loan is paid off. If you default on the loan and fail to repay it on time, the bank can take action according to law. Mortgage is a common method of selling real estate in the world. Although it is different in nature from mortgage loans, they are completely consistent in terms of "holding the ownership of the house" to ensure the performance of the debt (installment payment and periodic repayment).