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2. In which bank can I get a car mortgage loan?

Most banks can be automobile mortgage. For example, China Construction Bank, China Industrial and Commercial Bank and Agricultural Bank can directly apply for automobile mortgage. As for whether it can pass the audit, the audit shall prevail. For users, automobile mortgage must meet the mortgage conditions.

Users who own vehicles or apply for car loans can apply for automobile mortgage. The former is generally a mortgaged vehicle or a mortgaged motor vehicle registration certificate.

widening of capital

Mortgage loan classification

Bank mortgage loan

I. Personal housing loans

1. tablets

Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to the commercial housing loan paid by natural persons with full civil capacity when they buy self-occupied housing in cities and towns of this city.

2. Personal housing provident fund loans

The entrusted loan issued by the individual housing office refers to the housing provident fund loan that employees who have paid the housing provident fund apply to the bank with their own property houses as collateral when they buy, build, renovate or overhaul their own houses in cities and towns in this city to ensure the repayment of the loans.

3. Individual housing portfolio loans

All borrowers who meet the conditions of personal housing commercial loans also pay housing provident fund, and they can apply for personal housing provident fund loans from banks while handling personal housing commercial loans, that is, borrowers apply for personal housing provident fund loans and personal housing commercial loans from the purchased town banks (this loan method,

Second, the enterprise mortgage loan

Enterprise loan target: all kinds of small and medium-sized enterprise customers registered in industrial and commercial registration and in good operating condition.

enterprise

Enterprise loan amount: generally 500,000 ~ 65.438+0 billion yuan.

Basic requirements:

1. Hold the People's Bank loan card and have no bad credit record.

2. This company has been registered and operated for 1 years, the last time was in.

The comprehensive interest rate and expenses are generally between 8% and 14%.

Trust mortgage loan

Mortgaged trust loan means that the trustee accepts the entrustment of the principal and distributes the funds deposited by the principal as the guarantee of the trust loan according to the object, purpose, term, interest rate and amount stipulated by the trustee (or trust plan). The interest rate plus handling fee is generally around 18% per year.

Real estate investment trust

RealEstateInvestmentTrusts is abbreviated as "REITs" and literally translated as real estate investment trusts, also known as real estate. Real estate investment trust funds are divided into equity, mortgage and mortgage.

Pawnshop mortgage

Pawnshops pay a certain percentage of fees and interest to obtain pawn money, and repay the pawn money and redeem the pawned goods with interest and fees. Interest plus interest.

automobile mortgage

A loan obtained from a financial institution or an automobile consumption loan company by an autobot or a third person's car or a self-purchased car as collateral. Of course, the car as collateral depreciates quickly, and there is a high probability that traffic accidents will affect the value of the car. There are relatively few financial institutions in the form of automobiles. The emergence of automobile mortgage service platform "Easy Car Loan" is a new channel to own private cars.

With Auto Easy Loan, customers can use the ownership of their own vehicles as collateral to obtain short-term financing needs. It broke through the traditional vehicle mortgage loan model and put forward the service of "no need to mortgage the car". If the vehicle is equipped with a GPS positioning system, it will not be humiliated or inconvenient to travel because the vehicle is mortgaged as in traditional automobile mortgage, and the funds can be obtained as soon as possible on the same day.

house property mortgage

Real estate mortgage loans, loan banks provide borrowers with a package of financial services to meet their various needs such as buying houses, parking spaces, large durable consumer goods, cars and house decoration. Financial institutions are

Give the borrower a certain credit line within the specified mortgage rate. Generally speaking, the loan approval and lending cycle of financial institutions is long.

3. Can the vehicle be pledged?

1. Can the vehicle be pledged? 1. Vehicles can be pledged. As a movable property, the vehicle can be pledged, and the debtor or a third party transfers the possession of the property to pledge it to the creditor. When the debtor fails to perform the due debts, the pledgee may have priority in receiving the pledged property. 2. Legal basis: Article 425 of the Civil Code of People's Republic of China (PRC) guarantees the performance of debts. If the debtor or a third party gives his movable property to the creditor for possession, and the debtor fails to perform the due debts or realize the pledge right according to the agreement of the parties, the creditor has the right to be paid in priority for the movable property. The debtor or the third party specified in the preceding paragraph is the pledger, the creditor is the pledgee, and the delivered movable property is the pledged property. Article 428 When the pledgee and the pledger agree that the debtor fails to perform the due debts, if the pledged property belongs to the creditor, it can only be paid in priority according to law. Second, how to go through the vehicle handling process 1, and the borrower applies for a loan; 2. The lending institution shall examine the loan application and materials submitted by the borrower; 3. After the materials are approved, both parties sign a loan agreement; 4. The borrower goes through the formalities of automobile mortgage registration; 5. Give the car to the lending institution and park it in the park; 6. Lending institutions issue loans; 7. The borrower shall repay the loan as agreed, and pick up the car after the payment is paid off.