I. Conditions for applying for automobile mortgage

1. Applicants are required to be 25-55 years old and currently have a stable income;

2. The vehicle certificate under its name is complete and there is no guarantee at present;

3. For the mortgaged car. The bank requires the car to be less than 5 years old and the journey is less than 80,000 kilometers;

4. The current appraisal value of the mortgaged car is 70,000 yuan, which is good.

These are the conditions for bank car loans. In addition to meeting the basic conditions of bank car loans, borrowers also need to prepare complete loan-related materials. The more complete the better, in order to better handle the car mortgage.

Second, car mortgage needs information.

1. Invoice when buying a car and other certificates when buying a car.

2. Driver's license and automobile property certificate.

3. Copy of the owner's ID card.

4. Master contract and vehicle mortgage contract.

5. Proof of mortgagee and mortgagor.

6. The car is parked at the loan company.

Three. Automobile mortgage process

1. The lending institution receives the information provided by the applicant;

2. Conduct home visits, surveys and vehicle value assessments on the applicants;

3. The loan amount initially reserved by the lending institution;

4. Handling entrustment notarization and loan notarization;

5. The lending institution accepts the relevant documents of the applicant;

6. Go through the mortgage registration formalities.

7. Loans

Four. .

In any of the following circumstances, the registered vehicle shall not be mortgaged.

1. Vehicles sealed up, detained and supervised according to law.

2 vehicles that have reached the standard of automobile scrapping in China.

3, overdue inspection or unauthorized modification of vehicles.

4. The customs supervision period has not expired.

5. The service life of the mortgage expires and reaches the scrapping standard.

6. Vehicles with mortgage registration.

7, the army (armed police) production and operation of vehicles for retaining soil hanging local number plate vehicles.

8. The obligee of mortgaged property is a state organ.

9. Other vehicles that cannot be mortgaged according to law.

The above is the car mortgage process. The bank will evaluate the applicant. Whether you have the ability to repay the loan on time, whether you have good credit in the bank and whether you have a stable job are the basis for the bank to evaluate the applicant. If the car is used as collateral, the bank will also evaluate the car. The purchase time, mileage and purchase price of the vehicle will all affect the loan amount.

How to borrow a mortgage loan?

1. You can apply for mortgage. As long as your car is purchased through formal channels, you can submit an application for car mortgage to the bank to solve the capital demand.

2. automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third party's car or self-purchased car as collateral. At present, the main purpose of car-guaranteed loans is car consumption. Of course, cars depreciate rapidly, and traffic accidents have a high probability of affecting the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage.

Legal basis: Article 22 of the Regulations on Motor Vehicle Registration stipulates that "if a motor vehicle owner mortgages a motor vehicle, he shall apply for mortgage registration in dmv, the place of registration. Hold the motor vehicle registration certificate, the identity certificate of the mortgagee and mortgagor → fill in the Application Form for Motor Vehicle Mortgage/Cancellation of Mortgage Registration, and affix the official seal of the unit in the relevant window.

1. The lending institution receives the information provided by the applicant; 2. Conduct home visits, surveys and vehicle value assessments on the applicants; 3. The loan amount initially reserved by the lending institution; 4. Handling entrustment notarization and loan notarization; 5. The lending institution accepts the relevant documents of the applicant; 6. Go through the mortgage registration formalities. 7. Loans

How to handle vehicle mortgage loan

To apply for a vehicle mortgage loan, you must first choose a formal and reliable platform or institution, and then apply according to the process:

1. Bring valid personal identification and vehicle registration to the lending institution for application;

2. Submit materials to employees and fill in the loan application and loan contract;

3 loan amount, repayment method, loan interest rate, loan term and other information should be clear;

4. Bring information to the local vehicle management office for mortgage registration;

5, lending institutions to review the application materials;

6. After approval, you can go through the lending procedures;

7. The borrower repays the loan in full and on time as agreed;

8. After all the loans are paid off, you can go to the vehicle management office to issue a loan repayment certificate to the bank and cancel the vehicle mortgage information.

How to deal with automobile mortgage?

1. The borrower applies to the lending institution for automobile mortgage, then fills in the corresponding mortgage application form and submits relevant materials and certification materials;

2. The lending institution shall inspect the mortgaged vehicle, check whether the vehicle meets the requirements of vehicle mortgage loan, and check whether the vehicle and vehicle materials have been mortgaged.

3. automobile mortgage applicants need to bring personal valid ID card, vehicle registration certificate, driving license and insurance policy and other related materials to the lending institution for formalities;

4. The lending institution will review and investigate the application materials submitted by the applicant and whether the applicant meets the application conditions. If it passes the examination, the lending institution will sign a loan contract and a guarantee contract for the applicant;

5. After all formalities are completed, the lending institution will issue loans according to the terms agreed in the contract;

6. The borrower shall fulfill the repayment obligation and repay the loan principal and interest according to the repayment method and plan agreed in this contract.