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Can I not mortgage the car in Dongguan for the first month?
Mortgaged vehicles cannot apply for mortgage loans and have no complete property rights.
Conditions for handling automobile mortgage:
1. The loan applicant is a citizen of China with the age of 18-65;
2 have a stable economic income and the ability to repay the principal and interest of the loan;
3. The borrower has a good credit record and no bad credit record;
4. Legal and valid certification materials of mortgaged cars (vehicle registration certificate, etc.). );
5. Being able to provide effective guarantee recognized by the loan bank;
6. Other conditions stipulated by the lending bank.
What is the process of buying a car with a loan in Dongguan and what is the interest rate?
With the development of the automobile industry, more and more people choose to borrow money to buy a car, and the threshold for Dongguan to borrow money to buy a car is not high. So, what is the process of buying a car with a loan in Dongguan? What is the expected annualized interest rate for buying a car with a loan?
1. The process of buying a car with a loan from Dongguan is as follows:
1. The applicant went to a shop in 4S where he could apply for a loan to buy a car model, and signed a car purchase contract with a dealer in Dongguan.
2. The applicant should fill in the application form for auto loan and provide relevant information.
3. The distributor in Dongguan conducts a preliminary examination of the applicant's information, and sends it to the bank in Dongguan after passing the examination.
4. The bank in Dongguan accepted the case and made a pre-loan investigation.
5. Go through the formalities of loan, mortgage and notarization.
6. Dongguan dealers shall handle vehicle insurance, household registration, delivery and other procedures as agreed.
7. According to the loan contract, the applicant should repay the loan principal and interest to the banks in Dongguan in full and on time.
Second, the expected annualized interest rate of Dongguan loan to buy a car:
The expected annualized interest rate of Dongguan loan to buy a car shall be uniformly stipulated by the People's Bank of China. The expected annualized interest rates of some banks and auto financing companies may be adjusted according to the qualifications of borrowers. Some auto financing companies have zero expected annualized interest rate or zero down payment for some models, but this is limited to individual models.
The introduction of Dongguan mortgage car loan ends here.