The platforms with lower car mortgage interest rate include Ping An Bank car loan, Industrial and Commercial Bank car loan and rural commercial bank fast loan.

1, car loan from Ping An Bank

Ping An Bank's car loan products have been well received by users in the same type of products, and the loan method is also very simple. The owner mortgages his car to Ping An Bank, and then he can apply for a loan directly. The mortgaged vehicle still belongs to the owner, and only the Green Paper can be used.

The minimum loan interest rate of Ping An Bank's car loan is 4.8%, and the longest loan period that can be applied for is 4 years. The maximum loan amount that can be applied depends on the value of the vehicle itself, which is generally 70% of the car price.

When everyone is short of money, I use no less than 10 for my own loan products. On the whole, I still recommend Xiaoqian (formerly known as Baidu Finance) for reasons such as ups and downs: 1. Compared with the invitation system of borrowing and micro-loans, I can apply for money on my own initiative. 2. The maximum amount is 200,000, the minimum annualized rate is 7.2%, and it takes 3 minutes to arrive, which is already very useful; 3, formal platform, don't worry about routines;

4. Generally, formal product audits are strict. Although it is easy to use, it is difficult to apply, and so is money. However, the exclusive application channel paid by friends is very high, so it is the most recommended product among the products, and there is no one. Since it is recommended to everyone, let's present the exclusive application channel together, and friends in need can apply for it themselves.

Just remember to use it on the same day when you get the quota, otherwise you may get it back. Some friends have encountered this situation before, so remember.

Xiaoman-Rich Flowers (the second batch) Click online measurement.

2. ICBC car loan

Automobile mortgage of China Industrial and Commercial Bank refers to a loan product in which the borrower mortgages his vehicle to China Industrial and Commercial Bank, and then directly obtains a loan from the bank. The loan funds can be used for various consumption and commercial purposes. The minimum loan interest rate of ICBC car loan is 4.75%, and the maximum loan amount that car owners can apply for is 70% of the car price.

3. Rapid loans from rural commercial banks

There are many products under the "quick loan" of rural commercial banks, and car loan is one of them. The minimum loan amount is 5,000 yuan, the maximum loan amount is 1 ten thousand yuan, and the loan period is 1 month to 3 years. You can choose flexible repayment methods such as equal monthly payment, unequal monthly payment and repayment of principal when due. The loan interest rate of car loan is between 4.75% and 5.8%.

What is vehicle mortgage loan mortgage? Which formal car mortgages are you looking for?

What is vehicle mortgage loan mortgage?

Automobile mortgage is a kind of automobile mortgage. According to the information of the vehicle management office, car mortgage means that the car is in a mortgage state, and the property of the mortgaged car is mortgaged to the bank for a period of time, and the car buyer only has ownership after paying off the loan. After the loan is paid off, it belongs to the car buyer.

In the process of applying for my car loan, the applicant needs a scanned ID card, a copy of the household registration book, a copy of the marriage certificate, a personal income certificate, a bank statement and proof of real estate.

Further reading: Automobile mortgage takes the borrower's or the third party's car or the car he bought as collateral, and obtains loans from financial enterprises or automobile consumption loan enterprises. The purpose of borrowing money with a car as collateral is mostly quick liquidity. (Natural cars fall in price quickly, and the probability of road traffic accidents endangering the use value of cars is high. There are few ways for financial enterprises to issue loans with cars as a single mortgage, and the transaction price of loans is generally 50-80%. )

Article 22 of the Regulations on Motor Vehicle Registration clearly stipulates that "if the owner of a motor vehicle mortgages his vehicle, he shall apply to dmv for mortgage filing. Hold the vehicle registration certificate and the ID number 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 department to the relevant window for handling.

Which formal car mortgages are you looking for?

1, car to financial industry

Chedi Finance is a one-stop comprehensive service platform for the auto finance industry. It has cooperative relations with financial enterprises such as Ali and Ping An Bank, and the next payers are generally major commercial joint-stock banks.

If the borrower wants to apply for a loan to the car-to-finance industry, he can choose a physical store and download the app directly for free. You don't need to mortgage a car loan, but you need to mortgage a green car. The borrower can borrow up to 200,000 yuan.

Automobile mortgage, 2.JD.COM

Belonging to JD.COM Financial Industry Group, it provides personal credit loan service for car owners, with a maximum loan of more than 500,000 yuan, and the borrower's personal credit record cannot be seriously overdue.

The cruising range of the car mortgaged by the borrower shall not exceed 654.38+10,000 kilometers, and the loan amount shall be determined according to the use value of the car. Most borrowers can lend about 70% of their cars. Of course, students are not allowed to apply, and it is easy to be refused loans if the asset-liability ratio is higher than 70%.

3. Ping An car owner loan

Ping An Bank has a relatively high priority in applying for automobile mortgage. Ping An Bank Group has many vehicle mortgage loan service platforms, and owner loan is a better platform for user evaluation.

You can apply directly without the borrower's mortgage loan or mortgage certificate. If there is no problem with the borrower's personal information, this car is in line with the owner's loan needs. If you apply on the same day, you can complete the next payment on the same day.

4. CreditEase Car Loan

Yixin Auto Loan mainly provides loans for users to buy new cars and used cars through direct sales and loan assistance, which is related to the official cooperation between Tencent in JD.COM.

The maximum loanable amount of the borrower is more than 500,000 yuan, which can be divided into three years at most. If the borrower's qualification certificate is excellent, most of them can complete all the steps of review-next payment on the same day. Of course, Yixin's car loan does not mortgage cars, but it needs a green paper on mortgage cars.

5. Ping An Auto Loan-Credit

Credit loan is automobile mortgage under Ping An Bank Group, which can provide borrowers with a maximum loan amount of 300,000 yuan, which can be divided into three phases at most. No, but the car mortgaged by the borrower must be a car that has applied for a car loan at Ping An Bank. The borrower does not need mortgage loan or mortgage certificate.

6. China Automobile Flash Loan

The loan amount that can be provided depends on the car mortgaged by the borrower. At most, 90% of the mortgaged car loan means the loan amount. For example, if the value of the car mortgaged by the borrower is 6.5438+0 million, then the borrower can apply for a loan of 900,000 at most.

7. Weizhong Bank Owner Loan

You can choose to pay in installments for up to 24 months, which can be used by customers all over the country. You must provide your own driver's license and car green paper. The lowest juvenile interest rate is 9.8%, and the highest is not easy to exceed 15%. After the loan application, there may be a return call that must be connected, and the borrower needs to pay attention.

8, 58 car loan

Unsecured, unsecured, providing cash loan services for car owners. The maximum loan of the borrower is 80,000 yuan, and the value of the borrower's car is not less than 1.2 million yuan.

9. ICBC Personal Car Loan

Personal car loans of ICBC can be divided into direct customer loans and indirect customer loans. The maximum loan amount can be 80% of the car payment, and the loan can be paid off in five years at most. The minimum bank loan interest rate shall not be lower than the new LPR annual interest rate.

10, vehicle mortgage loan in Ctrip.com

Ctrip's car loan can assume that the loan amount provided by the borrower does not exceed 300,000, the minimum daily interest rate is 0.02%, and the converted annualized interest rate is actually 7.2%. Suppose the borrower borrows more than 6,543,800 yuan, then the interest for one day is 20 yuan.

Where is the Shengze vehicle mortgage loan?

Wujiang Shengze automobile mortgage Company. Shengze town belongs to Wujiang District, Suzhou City, Jiangsu Province, and is located at the southernmost tip of Jiangsu Province. Shengze Vehicle Mortgage Loan is a formal and reliable automobile real estate mortgage loan entity in Wujiang Shengze Mortgage Automobile Loan Company. Wujiang shengze auto real estate loan company was established on 20 14. The company is located in Shengze, Wujiang. With strong financial strength, honest management style and good business resources, the company has become a leader in Wujiang Shengze car loan industry.

What car mortgage platforms are there? 20 19 is ready!

With the continuous improvement of people's economic level, more and more people own their own cars, which can not only improve their quality of life, but also apply for loans. There are many car mortgage platforms on the market now. Today, we have sorted out some products that can be loaned on 20 19, hoping to help you.

Ping an pu hui-car owner loan

Application conditions:

1, age requirement: 2 1-55 years old;

2. Car age requirements: no more than 5 years;

3. Vehicle valuation: 80,000 yuan or more;

4. Vehicle nature: family cars with less than 8 seats, non-operating vehicles;

Materials required:

1. Original ID card (residence permit is required for foreign household registration);

2, work and income documents;

3. The applicant's motor vehicle registration certificate, driving license and additional proof of purchase tax (original);

4. Description of interest rate of commercial insurance policy, compulsory insurance, travel tax and related taxes and fees for imported vehicles: the term is 12-36 months, and the interest rate is 0.55%- 1.85%.

JD.COM Che Dai Di

Application process:

1. Open the Jingdong Financial APP and click JD. COM white strip ";

2. Select "Consumption Staging-Car Loan";

3. Then follow the prompts on the page.

Application conditions:

1. The vehicle applying for car loan business is older than 1 month and less than 10 year, with a mileage of 654.38+10,000 kilometers;

2. Applicant 18 to 60 years old; The applicant has no other bad credit record.

The above is the introduction of the vehicle mortgage platform. Although there are many car loan platforms on the market, there are few formal ones. So be sure to distinguish carefully when you arrive at the car, especially if you charge in advance.

Where can I apply for automobile mortgage?

Automobile mortgage can be handled in banks, formal financial institutions, auto consumption finance companies and third-party loan companies. Usually, banks can provide automobile mortgage, which is a very common loan mode for banks. For applicants, the interest applied in other places is relatively high, and the interest applied in banks is relatively low.

Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on.

After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.

Bank mortgage loan

I. Personal housing loans

1. Personal housing commercial loan

Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.

2. Personal housing provident fund loans

Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.

3. Individual housing portfolio loans

Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.

Second, the enterprise mortgage loan

Enterprise loan target: all kinds of small and medium-sized enterprise customers with good business conditions in industrial and commercial registration.

Term of enterprise loan: generally 1-5 years.

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

Basic requirements:

1. Holding a loan card issued by the People's Bank of China, with no bad credit record.

2. The company has been registered and operated 1 for many years, with an annual turnover of more than 3 million in the latest year.

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

Trust mortgage loan

Mortgaged trust loan means that the trustee accepts the entrustment of the principal and issues the loan according to the object, purpose, term, interest rate and amount specified by the principal (or in the trust plan), and the financier takes real estate mortgage as the guarantee method of the trust loan. The interest rate plus handling fee is generally around 18% per year.

Real estate investment trust

RealEstateInvestmentTrusts, abbreviated as "REITs", literally translated as real estate investment trusts, also known as real estate investment trusts, originated in the United States. REITs are generally divided into three types: stock, mortgage and hybrid.

Pawnshop mortgage

Mortgaged pawn refers to the act that a pawnshop mortgages its real estate to a pawnshop, pays a certain percentage of fees and interests to obtain a pawnshop, and pays the interest and expenses of the pawnshop within the agreed time limit, repays the pawnshop and redeems the pawnshop. The interest and expenses add up to about 3% per month.

Vehicle mortgage

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. The purpose of loans with automobiles as collateral is mainly automobile consumption. Of course, cars depreciate rapidly, and traffic accidents are likely to affect the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage. ) The emergence of automobile mortgage service platform "Easy Car Loan" provides a new channel for people who own private cars to borrow money in the short term.

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 "vehicles without mortgage". The vehicle loan applicant can continue to use the vehicle after going through the formalities only by installing the GPS positioning system on the mortgaged vehicle, without pledging the vehicle like the traditional vehicle mortgage loan, and will not lose face or cause inconvenience in travel because the vehicle is pledged, and can obtain funds as soon as possible on the same day.

house property mortgage

Real estate mortgage loan refers to the RMB loan in which the borrower mortgages the purchased commercial house, and the loan bank provides the borrower with a package of financial services to meet his various needs such as house purchase, parking space, large durable consumer goods, automobiles and house decoration. Financial institutions give borrowers a certain credit line within the stipulated mortgage interest rate. Generally speaking, the loan approval and lending cycle of financial institutions are relatively long.