I spent my credit information, and I have a car under my name. If you want to apply for a mortgage loan, I suggest doing the following.

Second, the specific analysis

1. Don't apply for banks or lending institutions/platforms for the time being, at least for three months.

2. During this period, pay off the outstanding loans. If you can't pay it back for a while, pay it back as much as possible.

In this way, after three months, the situation of "spending money" on credit information should be improved and the personal debt ratio will be reduced. Then, you can apply for a loan. As long as the credit is good enough, you can borrow it smoothly without accident.

And the automobile mortgage process is.

1. Prepare personal ID card, household registration book or temporary residence permit, and proof of economic income (such as bank account and deposit certificate, etc.). ), vehicle registration certificate, vehicle driving license and other related materials to apply for loans from the selected banks/lending institutions.

Go to the counter to get the application form and fill it out, and then submit the completed form together with the information you brought.

2. Banks/lending institutions will review the data and arrange assessment agencies to assess the value of the mortgaged vehicles. After the approval, the loan amount will be approved.

3. After receiving the approval notice, go to the outlet to sign the loan contract and go through the mortgage registration and other related procedures (note that some may need to put the vehicle registration certificate in the bank/lending institution.

Some don't, but you may have to install a positioning device.

4. Banks/lending institutions issue loan funds.

In addition to overdue, bad long-term loans will also be included in the online loan blacklist. Specifically, you can check your long-term loan. Recently, multi-head lending is mainly the application of individuals in lending institutions. I suggest that you slow yourself down and stop all lending-related operations within three months. After three months, the natural risk index will be reduced and the blacklist will be eliminated.

3. Can a car be used as a mortgage? How come?

A car can be used as a mortgage loan. As long as the ownership is clear, I have a good credit.

At that time, you only need to prepare personal ID card, local household registration book or temporary residence permit, bank running water and other income certificates, as well as automobile driving license, vehicle registration certificate, driver's license and other related materials to choose bank outlets to find staff to apply for loans.

After the loan application is submitted, just wait patiently for approval.

After receiving the approval notice, the bank will sign the loan contract at the outlet and go through the mortgage and other related procedures before lending.

You need to note that some of them can be handled directly through online banking/mobile banking.