Automobile mortgage's conditions are:
1. The applicant is at least 18 years old and has full capacity for civil conduct;
2. Personal credit is good, and there is no bad information record in the credit report;
3. Have a stable and legal source of economic income and the ability to repay the loan principal and interest on time;
4. Mortgaged vehicles have certain value space and clear ownership (banks and lending institutions may have different regulations on vehicle service life and mileage, please consult customer service for details).
Automobile mortgage process is as follows:
1. Prepare personal ID card, local household registration book or temporary residence permit, proof of economic income (such as bank account and deposit certificate), vehicle driving license, vehicle registration certificate, driver's license and other related materials to apply for mortgage loan from banks/lending institutions. After receiving the application form and filling it out, submit the form and information to the staff.
2. The bank/lending institution shall conduct an audit according to the information provided by the applicant, and arrange an evaluation institution to evaluate the value of the vehicle. If approved, the loan amount will be approved.
3. After receiving the approval notice, sign the loan contract at the bank/lending institution outlet in time, and go through the vehicle mortgage registration formalities at the local vehicle management office.
4. Banks/lending institutions issue loan funds.
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The loan is 654.38 million yuan. How much is the interest for one year?
If the loan is 654.38 million yuan and the loan term is one year, it can be calculated according to the loan interest rate of 4.35% executed by the bank. According to the calculation formula of equal principal and interest, the total monthly repayment of the borrower is 85.3099 yuan. The first month repayment interest is 362.5 yuan, the first month repayment principal is 8 168.49 yuan, and the second month repayment interest is 332.89 yuan; By analogy, the total interest of the loan that the borrower needs to repay is 237 1.88 yuan.
Choose equal principal repayment, the monthly repayment principal is 8333.33 yuan, the first month repayment interest is 362.5 yuan, the second month repayment interest is 332.29 yuan, and so on, the average total capital repayment interest is 2356.25 yuan.
But the above is still a theoretical calculation method. If the user applies for special loans such as student loans and provident fund loans, the calculation of interest rate is another matter. The specific loan interest still depends on the actual loan interest rate, and each user's personal qualifications are different. If the user's personal qualifications are good, then the loan interest rate applied for will be lower.
: The annual loan interest rate of 65,438+100,000 depends on the interest rate at the time of loan application. The loan interest rates of major banks are different. Under the basic interest rate system stipulated by the central bank, the interest rate of loans is also different. According to the latest official loan interest rate, the loan interest rate is 5.60% within one year (including 1 year), 6.00% for one to five years (including five years), and 6. 15% for five years and above. The interest rates of major banks will fluctuate according to the benchmark interest rate, and the upper limit of bank loan interest rate is no longer limited, and the lower limit is 0.9 times of the benchmark interest rate. However, there is still an upper limit on the loan interest rate of credit cooperatives, which requires that the upper limit of the loan interest rate of credit cooperatives should not be higher than 2.3 times the benchmark interest rate.
Interest = principal × interest rate × deposit period.
1. Bank: If you want to apply for a loan of 654.38+10,000 yuan in a bank, you generally need a qualified person to provide a mortgage or guarantee to successfully apply. According to the latest benchmark interest rate of the central bank, the loan principal is 654.38 million yuan, the loan term is 1 year, the annual interest rate is 4.35%, and the one-year loan interest is 4,350 yuan (one-time repayment).
Second, the loan company: the procedure is simpler than that of the bank, but the cost is higher than that of the bank. In terms of interest alone, it will generally rise by 30%, which is 5.66%; The loan principal is 654.38 million yuan, the loan term is 654.38+0 years, the annual interest rate is 5.66%, and the one-year loan interest is 5660 yuan (one-time repayment).
Third, private lending: the loan term is 1 year, and the interest rate can generally reach 4 times of the benchmark interest rate. According to this calculation, the interest rate is17.4%; The loan principal is 6,543,800 yuan, the loan term is 654.38+ 0 years, the annual interest rate is 654.38+07.4%, and the one-year loan interest is 654.38+07,400 yuan.
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What is the loan invoice for buying a house?
After paying the down payment, the developer will issue a receipt for the down payment to the buyers. After the buyer completes the house purchase loan from the bank, the developer shall issue a full invoice to the buyer.
Due to the cumbersome and time-consuming procedures required to buy a house with provident fund loans, and the tight urging of developers, buyers are eager to see the price rise, so most buyers use commercial loans to buy a house, and then withdraw the provident fund to repay the mortgage. When withdrawing the housing accumulation fund, you need to purchase the full invoice, the purchase contract, the original ID card and other materials that need to be filled in. If housing provident fund is withdrawn from different places, it is necessary to submit social security personal rights and interests records.
Extended data
In addition to withdrawing the provident fund, you also need to provide the purchase invoice, and the real estate license also needs to provide the purchase invoice. Let's get a general idea of what materials are needed to handle the real estate license: housing registration application form, house purchase contract, full purchase invoice, house plan, applicant's ID card, property deed tax payment certificate, and other relevant certification materials that the registration authority deems necessary.
Compared with the requirements of housing provident fund for purchase invoices, the requirements of real estate license are lower. If you don't have an invoice, you can apply for a real estate license, but you have to go through many complicated procedures.
How to get the fastest loan?
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In the inherent impression, the bank's loan product review is very slow. Mortgage loan is one month, and credit loan is seven days at the earliest. However, in fact, banks have also made many changes in fast loan products.
2. With the rapid development of internet finance, many enterprises have entered the financial field and started their own microfinance products.
If you have a credit card, it can also be used for emergency when you need money badly. The cash installment function of credit card is also very powerful, and its loan amount is determined by the available balance of credit card. When the application is made, the funds can be received immediately and repaid on time every month.
4. If you have a policy with cash function and the insurance deposit time exceeds 1 year, you can also get a loan quickly with the policy. The general policy loan amount is about 80% of the policy value, up to 90%, and the loan interest rate rises on the basis of the benchmark interest rate of the central bank in the same period. Generally, the loan arrival time is 1-3 days. Faster.
Quick loan-quick loan skills
1. To apply for a loan through online channels, the biggest advantage brought by the Internet is convenience. Compared with the bank's loan business, users can handle the loan business through the mobile phone client, saving the trouble of waiting in line, filling out a large number of application forms and running back and forth.
2. Self-examination of materials. In order to quickly pass the audit of the lending institution, the applicant must first ensure that the materials submitted by him meet the lending standards of the lending institution. Whether the personal basic information is filled in accurately, whether the income certificate is true, and whether the personal credit situation is good. Check whether your information is wrong in advance, ensure that the information you fill in is accurate, and let your information pass the audit faster.
3. Answer questions calmly. After submitting the loan application, the applicant may meet the staff of the lending institution for telephone call back and home visit. The reason why lending institutions do this is to understand the relevant situation of applicants. In this case, the applicant should actively cooperate with the examiner to answer questions, keep calm and answer questions honestly. The applicant can also inform the reserved contact person of his loan application, which can also help the applicant get the money faster.
Quick loans are generally only used when money is urgently needed. The more anxious you are, the more likely you are to be deceived. Be vigilant. Be sure to make loans on the basis of confirming that the loan platform is formal. At the same time, we should also compare the loan interest rate to save money for our repayment. The skill of quick loan is to give you a way to pass the examination and approval quickly and get quick loan.
What are the procedures and conditions of housing loan?
The procedure for housing loan is: 1. First look at the house and choose the house, then prepare the down payment of the house and sign a purchase contract with the real estate developer; 2. Prepare the ID card, down payment receipt, bank running water and other materials, go to the bank outlet to get the loan application form and fill it out, and then hand the completed form together with the materials to the counter staff. 3. After the bank accepts the customer's mortgage application, it will begin to review. 4. After approval, a message will be sent to inform the customer. If it is approved, the customer needs to sign a loan contract at the outlet within the agreed time and go through the relevant procedures such as mortgage. 5. After signing the loan contract and handling the mortgage, the bank will prepare the loan. 6. After the real estate developer receives the funds, the customer can repay the mortgage on time according to the repayment plan agreed in the contract.
To apply for a mortgage, you need to meet the following conditions: 1. Client 18 years old, with full capacity for civil conduct; 2. Personal credit is good, and there is no bad record in the recent credit report; 3 have a stable and legitimate source of economic income and the ability to repay the principal and interest of the loan on time. 4. If it is a provident fund loan, it must be paid into the provident fund on time for one year (specifically according to the regulations of the local provident fund management center), and the current account status is normal, and there is no outstanding provident fund loan in the customer's name.
Legal basis: According to China's "General Principles of Loans" and other relevant laws and regulations, the lender who can provide loans is a financial institution established in China to operate loan business according to law. Such institutions must be approved by the China Banking Regulatory Commission to engage in loan business, hold the Legal Person License for Financial Institutions or the Business License for Financial Institutions issued by the People's Bank of China, and be approved and registered by the administrative department for industry and commerce. According to the existing laws, financial institutions include banking financial institutions and non-banking financial institutions. Non-bank financial institutions refer to other financial institutions except commercial banks and professional banks, mainly including trust, securities, insurance, financial leasing and other institutions, rural credit cooperatives and finance companies.
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How to calculate the interest of mortgage prepayment?
As far as most banks are concerned, as long as the borrower repays normally for one year, there is no penalty for prepayment, and only the principal and interest of the loan can be paid off.
There are three types of prepayment: partial prepayment, unchanged loan term, partial prepayment, shortened loan term and full prepayment.
1. If the loan is repaid in full in advance, the mortgage interest in the future will not be calculated, only the mortgage interest from the prepayment date to the previous date will be calculated.
2. If the loan term is fixed in advance, the principal to be repaid will be less, so the monthly interest will be recalculated and the interest will be reduced.
3. If the loan term is shortened by partial repayment in advance, the loan time will be shortened and the interest to be repaid will be relatively reduced.
Repaying the loan in advance needs to meet certain conditions:
1. If the borrower wants to repay the loan in advance, it must have been repaid for more than half a year, or even more than one year as required by individual banks. Banks generally require borrowers to submit written or telephone applications about 15 working days in advance. After the bank receives the borrower's application for repayment in advance, it has to be examined and approved, so it usually takes about one month. In addition, banks have different requirements for repaying loans in advance. For example, some banks stipulate that early repayment of loans is an integer multiple of 654.38 million yuan, and some banks need to charge a certain penalty.
2. If the borrower wants to repay the loan in advance, he usually needs to bring his ID card and loan contract to the bank for approval after applying by phone or in writing. If the borrower has settled all the balance, the bank will deposit enough money to repay the loan in advance after calculating the remaining loan amount. If it is a customer or owner of the sub-mortgage business, it is best to find a professional guarantee institution to do entrusted notarization, so as to avoid the risk that the customer will not buy it after the owner repays in advance or the owner will raise the price after the customer pays the final payment with the down payment.
If you pay off the loan, don't forget to cancel the mortgage. The borrower should bring the real estate license, settlement certificate and other rights certificate mortgaged in the bank to the office of the District Housing Construction Committee to understand the mortgage situation. In this way, your own property can be completely your own property.
How to calculate the interest on prepayment? Look at the following data, which may be more intuitive.
For example, in August of 20 15, you borrowed 300,000 yuan, using the repayment method of average capital, and borrowed for 10 years. According to the current commercial loan benchmark interest rate of 5. 15%, the monthly repayment amount varies, but the principal remains unchanged and the interest gradually decreases. The repayment in the first month is 3,787.5 yuan, with a monthly decrease of 10.73 yuan. The total repayment interest is 77,890 yuan, and the total mortgage with principal is 377,890 yuan.
After repayment for one year, 65438+February principal is 30000 yuan, and February interest 1474 1.88 yuan =4474 1.88 yuan. I want to repay the loan in advance in August 20 16, specifically:
1. If the repayment is made in full in advance, as long as the remaining principal is 30-3 = 270,000, plus the monthly interest 1 158.75 yuan, the total is ***27 1 158.75 yuan.
2. If part of the loan is repaid in advance, such as 6,543,800 yuan, the loan repayment period will remain unchanged and the monthly repayment amount will be reduced. Then the monthly repayment needs to be 103658.75 yuan. Recalculate according to the new method. After the new adjustment, the repayment will be 2284.27 yuan next month, a decrease of 6.72 yuan per month. On the original basis, interest can be saved by 23 175 yuan.
3. If partial repayment is made in advance, it will still be 654.38+10,000 yuan, but the loan period will be shortened and the monthly repayment amount will remain basically unchanged. Then the repayment in that month is 65,438+003,658.75 yuan, and the adjusted repayment period is advanced from July 2025 to March 2022. After the new adjustment, the repayment in the next month is 32 18.85 yuan, and the monthly repayment is reduced by 10.73 yuan, which can save the interest of 37,552 yuan on the original basis.
Reminder: Different banks have different requirements for early repayment, and some banks will charge liquidated damages.
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So much for the introduction of loan form pictures.