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.

How does automobile mortgage get a loan?

The process of handling automobile mortgage is as follows:

1. The borrower applies, fills in the application form, and submits income certificate, driver's license and other relevant materials required by the lending institution.

2. After receiving the information provided by the borrower, the lending institution conducts home visits, surveys and evaluates the value of the vehicle.

3. After personal credit evaluation and vehicle value are carried out by the lending institution, it is determined whether the loan can be made, and details such as loan amount and interest rate repayment method are determined.

4. Both parties sign the vehicle mortgage contract, go to the vehicle management office for mortgage registration and relevant certificates, and the lending institution will lend money with the applicant's relevant certificates.

5. After the mortgage expires, the borrower repays the loan, and the lending institution cooperates with the borrower to handle the mortgage registration cancellation procedures at the vehicle management office.

According to the provisions of the motor vehicle registration:

Twenty-second motor vehicle owners who use motor vehicles as collateral shall apply for mortgage registration at the vehicle management office where they are registered; If the mortgage right is extinguished, it shall apply to the vehicle management office at the place of registration for cancellation of mortgage registration.

Article 23 To apply for mortgage registration, the motor vehicle owner shall fill in the application form, which shall be jointly applied by the motor vehicle owner and the mortgagee, and submit the following documents and vouchers:

(a) the identity certificate of the motor vehicle owner and the mortgagee.

(2) Motor vehicle registration certificate.

(three) the main contract and mortgage contract concluded by the motor vehicle owner and the mortgagee according to law.

The vehicle management office shall, within one day from the date of acceptance, review the submitted documents and vouchers, and annotate the contents and date of mortgage registration on the motor vehicle registration certificate.

How to handle the car mortgage?

The process of handling automobile mortgage is as follows:

The customer needs the materials of the vehicle that provides the mortgage loan.

The appraiser of the borrower shall comprehensively evaluate the mortgaged vehicle.

The borrower and the lender negotiate the value of the mortgaged vehicle.

After the borrower and the lender sign the vehicle mortgage contract, they shall be notarized at the same time.

The borrower and the lender shall go through the mortgage registration and relevant certification procedures at the vehicle management office.

The lender drives the vehicle to the parking lot designated by the borrower, gives all the car keys to the intermediary for safekeeping, and the borrower issues them, and repays the mortgage amount with the receipt.

After the mortgage expires, the lender and the borrower go through the formalities of repayment and mortgage cancellation, repay all the loans, cooperate with the borrower and the vehicle management office to go through the formalities of mortgage registration cancellation, and then get the car keys.

After the loan expires, if the customer fails to renew or cancel the loan at the intermediary office, the borrower will refuse to pledge according to the rules of vehicle mortgage loan.

Automobile mortgage is a loan obtained from a financial institution or an auto loan company with the car or self-purchased vehicle of the borrower or a third party as collateral. According to the purpose of the car as a mortgage loan, it is mainly used for fast.

It should be noted that 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, and the general loan evaluation price is 50-80%.

Generally speaking, domestic banks do not provide automobile mortgage services, so it is generally necessary to find private professional credit institutions to apply for such services. For example, automobile mortgage service is a short-term microfinance service for small enterprises, individual merchants and entrepreneurs.

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 mortgage a car loan

Handling process of automobile mortgage: 1, and the lending institution will evaluate the vehicle free of charge; 2. The lending institution will grant the loan amount according to the value of the vehicle and the actual situation of the customer; 3. Lenders choose loan products according to their own needs (loan cycle, parking, etc.). ); 4. Both parties sign a formal contract and go through the corresponding formalities; 5. Loans from lending institutions.

Automobile mortgage is very convenient to handle. Generally, you can apply on the same day, apply on the same day, and lend on the same day. For car mortgage, you can consult Amway loan. It doesn't matter if the company has a car. The procedure is simple, and you can lend money on the same day, which is trustworthy. Need money badly? Find a safe way! You can get a loan if you have a car! Conditions and procedures of automobile mortgage:

1, owner's ID card.

2. Motor vehicle driver's license.

3. Motor vehicle registration certificate.

4. Vehicle compulsory insurance and vehicle commercial insurance policies within the validity period.

5. Vehicle spare key.

Want to know more about car mortgage, I recommend consulting Amway car loan. Anmeitu Group was established in 2005. Backed by the strong financial strength of Anmeitu Group, the loan interest rate is relatively advantageous in the industry, and the fees are open and transparent. There are direct stores in Shanghai, Chengdu, Xi, Wuhan, Shenzhen, Chongqing, Beijing, Kunming, Guangzhou and Shihezi, Xinjiang. The service is very professional and has a good brand awareness in the automobile mortgage industry. Customers have many product choices, flexible operation and standardized process, and have a good reputation among old customers.

How does automobile mortgage proceed?

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.

This concludes the introduction of how loan companies and auto mortgage companies fail and how to deal with large account books. I wonder if you have found the information you need?