I. Detailed introduction of automobile mortgage
1. What is a car mortgage?
2. What are the types of automobile mortgage?
3. What is the amount of car mortgage?
4. What do you want for a car mortgage?
5. What information does automobile mortgage need?
6. Handling process of automobile mortgage
Second, how to choose the car mortgage that suits you.
Three. Problems that automobile mortgage should pay attention to.
1. Common misunderstandings of automobile mortgage?
2. What is automobile mortgage's pit avoidance strategy?
As usual, let's take a picture first, first understand the automobile mortgage from the overall structure, and then split it up for everyone to talk about.
Automobile mortgage is a way for borrowers to mortgage their vehicles to banks or financial institutions to obtain loans. To put it bluntly, your car is mortgaged or pledged by a lending institution. According to the value of your car and your comprehensive qualifications, you can get a loan.
At present, the lending institutions in automobile mortgage mainly include but are not limited to city banks, auto financing companies, auto financing leasing companies, credit guarantee institutions and self-owned funds.
Automobile mortgage has a fast time limit and a low application threshold, and is suitable for people who make short-term investments. Relatively speaking, the annualized interest rate of vehicle loans is higher than that of housing mortgage loans and bank credit loans, but lower than that of small loan companies.
According to the classification of treatment methods, it can be divided into the following three types.
Because cars depreciate over time, many big banks don't do this business.
From the age of the first person: 20-60 years old. Among them, 18-22 years old and 55-60 years old will consider the borrower's repayment ability and need the borrower's double signature. Nationality: I won't dwell on this issue here, because there have been too many bad debts in some fields, so many companies have set related fields as forbidden areas. Marital status: unmarried or widowed can be handled directly; If you are married, some companies will require your spouse's identity information or require both spouses to sign; Divorce requires a divorce certificate. Occupation: the public security law prohibits it as usual. Credit: The user's debt, overdue and credit inquiry will be considered here. Most institutions will refer to whether there are three or six consecutive credit reports within two years, and generally require that the number of inquiries within three months should not exceed 10. Some institutions will be relatively relaxed. Big data situation: Many companies here will refer to the same shield data score or their own evaluation system, and generally require no less than 80 points. Public information: this place is still a restricted area, including but not limited to cases involving lawsuits, persons subjected to execution, loan disputes, untrustworthy people, and restrictions on high consumption. This information can be found on China Public Information Network. Next, talk about the age of the car: the age of the car within 7 years is very easy to handle, and there are not a few who can reach 10 years. Region: Most products can only be registered with local or provincial license plates, and institutions need to register with the local vehicle management office; There are also some places where the area is too wide. Lenders will consider whether they can recover the collateral in case of default. Vehicle value: The entry threshold is that the present value of the vehicle needs to be higher than 30,000. At present, most car loans on the market are below 6.5438+0 million, and only a few institutions can achieve more than 6.5438+0 million. Of course, if the demand exceeds a certain value, the borrower will be required to provide other credit enhancement materials, and parts can basically be imported with bare cars within 6.5438+0.5 million yuan. Insurance: This includes compulsory insurance and commercial insurance, and most of them are not strict in this respect. Some even need to pay compulsory insurance. It will involve accident vehicles and wading vehicles, and the general structure will not work. Annual inspection: it needs to be within the annual inspection deadline. If it is close to the annual inspection time, some institutions will require the annual inspection before handling it. Mortgage: We will refer to whether the last mortgage institution was a bank or a small loan company. There is no requirement for ordinary banks. If the last mortgage institution is a small loan, it usually takes one month to handle the loan; Some will look at the cumulative number of mortgages, such as not picking up after five mortgages. Transfer: In order to avoid cashing out, it usually takes 2-3 months for a newly registered full-price car; Used cars will have similar requirements. Violation: If the total score of unprocessed violation exceeds 6 points, it is generally required to deal with it within 6 points. Or some institutions will deduct your violation score according to 1 and 150, and return it after processing. 5. What information does automobile mortgage need? In fact, the information here is about people, vehicles and excess credit, as follows:
What is involved here is a typical pre-loan planning link, which is actually the most important of all links, because your personal orientation and target selection will determine all the processes and handling conditions behind you.
These four dimensions can be referenced here.
Related Q&A: Related Q&A: Can a car with a loan pay off the loan in advance? There are many people buying cars now, and some individuals don't have enough money to buy cars for the time being. The automobile 4S shop sales company saw this business opportunity and launched a loan mortgage to sell cars to people who don't have enough money to buy cars at present.
In fact, this way is also convenient for people who don't have enough money to buy a car for the time being, which relieves the economic pressure. Moreover, people who don't have enough money to buy a car for the time being can buy a car in advance, and owning a car also provides convenience for their travel. Only in this way, people who borrow money to buy a car need to pay more money to temporarily ease the capital turnover.
Generally, some auto financing companies can apply to pay off the loan in advance, but only if you need to repay the loan for a period of time and will charge a part of the liquidated damages. However, you'd better call the financial company or bank where you borrowed money to buy a car. Welcome everyone to leave a message in the comment area for interactive exchange. Follow me to learn more about car problems.