Question 1: What does it mean to have a notarized mortgage in the car purchase fee? Notary offices generally charge about 0.3% of mortgaged property, but the minimum is not lower than that of 300 yuan.

Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. It is a loan form of capitalist banks, and the collateral usually includes securities, China bonds, various stocks, real estate, and bills of lading, warehouse receipts or other documents that prove the ownership of goods. When the loan expires, the borrower must return it in full, otherwise the bank has the right to dispose of the collateral as compensation. Traditionally, a large part of the loan portfolio of savings institutions is mortgage real estate loans, which are generally called mortgage loans. The term of mortgage loan is usually 15 ~ 30 years, which is much longer than the average term of savings institution debt.

The notarization fee is as follows: (Price unit: Yuan)

1, birth, survival, death, identity, experience, education, nationality, marital status, kinship, and no (received) criminal punishment certificate 80

2, to prove the qualifications and credit of legal persons and other organizations 500 points.

3. Proof of Force Majeure Event 400

4. Evidence preservation: (1) Witness testimony documentary evidence preservation 200400.

(2) Audio-visual materials and computer software are saved 800.

(3) Property preservation: physical evidence preservation such as real estate 1000.

(4) Infringement and preservation of factual evidence 1000

5. Bill Rejection Certificate 400

6. License for the enjoyment, transfer and use of intellectual property rights 500

7. Proof of legal documents such as power of attorney, articles of association, resolutions of meetings of legal persons or other organizations 500 100.

8. Proof of economic contract:

It is proved that the land use right (1) is assigned, transferred, the house is transferred, sold, and the equity is transferred. The part less than 500,000 yuan is charged at 3‰, and the part less than 200 yuan is charged at 200 ‰;

(two) 500 thousand yuan to 5 million yuan is 2.5 ‰;

(3) 5 million yuan to 6.5438+million yuan is 2 ‰;

(4)100000 yuan to 20 million yuan, 1.5‰

(5) The portion from 20 million yuan to 5,000 yuan is1‰;

(6) 50 million yuan to 65.438+0 billion yuan is 0.5‰.

(7) The part of1100 million yuan is charged at 0. 1‰.

9 Other economic contracts (1) less than 20,000 yuan 1%, 50% below 50 yuan.

Yuan fee;

(two) the part of 20 thousand yuan to 50 thousand yuan is 8 ‰;

(3) 6 ‰ for the part above 50,000 yuan to 654.38 million yuan;

(4) 5 ‰ of the portion from 654.38 million yuan to 500,000 yuan;

(5) The portion from 500,000 yuan to 6,543.8+0,000 yuan is 4 ‰;

(6) The portion from 6,543,800 yuan to 2 million yuan is 3 ‰;

(7) 2 million yuan to 3 million yuan, 2‰

(8) RMB 3 million to RMB 4 million1‰;

(9) 0.5‰ will be charged for the part above 4 million yuan.

10 civil agreement certificate 200, involving double property relations.

1 1 Proof of adoption relationship: biological parents * * * paid 500 yuan for adoption.

Unilateral adoption by parents; Eight hundred

Adoption by other guardians 1000

12 property inheritance, gift and bequest certificate 2%, minimum 200.

13 deposit notarization 0.3%, the lowest 100. The storage fee paid on behalf of the applicant shall be charged separately.

14 gives the creditor's rights document 3‰ enforcement effect.

15 will be 200

16 confirm the validity of will 300.

17 The inventory, liquidation, evaluation and loss estimation of the certified property (including the heritage) is 0.2%, with a minimum of 200.

18 certificate of establishment, alteration and termination of other civil juristic acts

(1) involves personal rights and interests.

(2) 100 involves other relationships other than personal rights and interests.

No bid amount, 200

0.65438+ 0% of the bid amount, with a minimum of 200.

19 Proof of civil legal acts related to pension, labor insurance, subsidies, pensions and relief funds 20

Keep documents, handle mortgage registration stipulated by law, handle registration and certification related to notarization, draft and modify legal documents related to notarization, and answer legal advice.

(1) Keep documents (including wills) at 50 per piece per year.

(2) notarization of mortgage registration stipulated by law.

(3) Acting as an agent for registration and certification related to notarization.

(four) to draft laws related to notarization matters. ......

Question 2: How can there be thousands of notarization fees for buying a car? 1. The notarization fee for buying a car is the contract notarization fee for installment payment of automobile mortgage. If it is a one-time payment, there will be no notarization fee without bank mortgage.

2. Car loans need to be notarized and mortgaged. The two money were given to the notary office and the vehicle management office respectively and cannot be returned. Since the notary fee is collected by the bank first, the bank will issue a receipt to the customer. As for the official invoice, it is issued by the notary office and the vehicle management office. At that time, it was handed over to the car dealer, and the customer could ask for it from the car dealer.

3. The application for car loan must be notarized, that is, the borrower must pay the notarization fee when applying for car loan, but the fee is collected by the bank and then transferred to the notary office.

Question 3: Do I have to pay a fair mortgage guarantee fee for buying a car? Yes, what you need is actually the profit income of the other part of the garage, mortgage 100 yuan. According to your car price, the guarantee fee is generally 65,438+000-800, and there is no guarantee fee. But if you buy a car in the future, you must bring these, but you can measure them with the car repair manufacturer and say that I will pay for them myself.

Question 4: How much is the notarized mortgage fee for car loan? The process of real estate mortgage loan:

1. The borrower opens a current deposit account in the bank;

2. Information required for preparing the loan;

3. Sign the bank face to face;

4. Bank filing and approval;

5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower;

6. Go to the Construction Committee for mortgage registration;

7. The Project Construction Committee issues his right certificate;

8. Handle insurance, notarization and other procedures as appropriate;

9. The bank directly transfers the loan to the account agreed in the contract;

10. The borrower repays the loan principal and interest according to the loan contract.

Question 5: Why do you have to pay the mortgage fee for buying a car with a loan? According to the regulations of the bank, individuals can apply for automobile consumption loans as long as they can pay a certain amount of down payment, notary fees and insurance premiums, have the ability to repay the principal and interest of loans in installments, have a local fixed residence and have full capacity for civil conduct. Take the car loan of about 80,000 yuan as an example, and the related expenses are as follows:

Cost 1: down payment = purchase price × 30%, that is, 80,000× 30% = 24,000 yuan.

Expense 2: The personal accident insurance of the borrower (the first beneficiary is the bank), as well as theft insurance, spontaneous combustion insurance, third party liability insurance and car damage insurance, and the insurance premium is about 3,200 yuan.

Fee 3: notarization fee for loan contract 100 yuan (charged by notary office) and vehicle mortgage fee charged by 300 yuan Vehicle Management Office).

Expense 4: Other normal expenses, such as vehicle surcharge, are the same as non-loan car purchase.

Five steps to buy a car with a loan

From the way of dealing with banks, car loans can be divided into "indirect" and "direct". Recently, many insurance companies have stopped handling performance insurance in the nature of secured lenders, so at present banks mainly handle mortgage plus secured loans, that is, borrowers mortgage their vehicles and find a guarantor (civil servants, doctors, financial practitioners, etc.). ) Bank-approved guarantee.

As for the loan procedures, it should be handled in the mode of "looking for a bank first, then looking for a car dealership". Nowadays, in order to promote their cars, many car dealers will make promises to help car buyers apply for bank loans. In this case, car buyers are embarrassed to bargain and ask for other conditions. In fact, it is mainly the salesmen of insurance companies who can help car buyers. In order to promote insurance, they usually take the initiative to help car buyers fill out various forms or go through specific procedures. Therefore, car buyers can take care of their cars from dealers, apply for a "direct customer" loan at the bank, and then buy a car with "money", so that they can bargain with dealers or enjoy preferential treatment. The specific process is as follows (the requirements of banks may be slightly different):

1. After you are optimistic about the vehicle to be purchased, fill out the Application Form for Automobile Consumption Loan and the Credit Status Questionnaire, and submit them to the loan bank together with the relevant certificates of personal situation.

2. The bank conducts pre-loan investigation and approval. After accepting the loan application, the bank will investigate the credit status of the borrower and guarantor. For those who meet the loan conditions, the bank will promptly notify the borrower to fill in various forms.

3. Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the mortgage registration and insurance procedures.

4. The bank issues loans (the bank transfers money directly to the car dealer's account).

5. The borrower pays the down payment to the car dealer, and handles the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

Four points to pay attention to when buying a car with a loan

1. Buying a car with a loan is not suitable for families with a monthly income of less than 6,000 yuan. After buying a car with a loan, in addition to repaying the loan principal and interest on a monthly basis, the monthly car maintenance expenses such as fuel, maintenance, parking and road and bridge fees are about 1.5 million yuan, and the average monthly car supply and maintenance expenses are between 3,000 and 4,000 yuan. Therefore, car buyers should have higher family income and try to avoid conflicts with mortgages. If they buy cars blindly to keep up with the trend, it will affect their families.

2. Be cautious with zero down payment and low interest rate. Some car dealers and loan intermediaries use the so-called zero down payment, low interest rate or even no interest as a means of promotion. Some concessions are actually "the wool is on the sheep" and will "make up for the loss" by raising the car price and increasing the handling fee. Therefore, handling auto loans should be handled by commercial banks or regular auto financing companies that comply with the Measures for the Administration of Auto Financing Companies.

Don't forget to repay the loan principal and interest on time. According to the regulations of the bank, the lender shall deposit the principal and interest repaid in installments in the settlement account in advance. If the principal and interest cannot be repaid on time, the bank will charge a certain late payment fee, and take measures such as detaining the mortgaged vehicle and investigating the guarantor's responsibility according to the situation. In addition, the bank will record the borrower's credit status as "bad". After the credit system is improved, borrowers with bad records will be jointly banned by banks.

4. If funds permit, you can consider repaying the loan in advance. In order to reduce the pressure of repaying the principal and interest, most people will choose a five-year car loan. However, with the increase of income, if they have the ability to repay in advance during the loan period, they can consider repaying the loan in whole or in part in advance, so that they can repay the loan as soon as possible. ......

Question 6: Why should I pay a notarized mortgage fee for a car loan? Loan conditions of mortgage loan:

Have a legal status;

Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;

There is a legal and effective purchase contract;

If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;

Being able to provide effective guarantee recognized by the loan bank;

Other conditions stipulated by the lending bank.

Question 7: Is there a handling fee and notary fee for the loan to buy a car? If you need a handling fee, you need a deposit, but these fees are not high.

Question 8: What are you doing in the notary office with a loan to buy a car? Glad to help you!

What are the procedures for buying a car with a loan?

Simply put, there are several steps: preliminary examination, notarization and mortgage. To handle the first-instance loan procedures, you must first pass the first instance of the bank. Previously, consumers had to hand over the following materials to the car dealers who went through the formalities: loan application form (filled in according to the standard format of the bank); The automobile consumption loan agreement signed with the automobile dealer; Household registration book and identity card; Marriage certificate or unmarried certificate; Proof of income; Utility bill; In order to increase the success rate of application, you can provide some circumstantial information such as real estate license, academic certificate and business license. The first trial is mainly to investigate the personal credit reliability.

Customers whose notarization and mortgage have passed the preliminary examination of the bank can go through the relevant procedures such as car purchase, licensing and vehicle insurance, and then go through the notarization on another day. Notarization requires carrying motor vehicle registration certificate, rubbing of vehicle engine and frame number, car purchase invoice, insurance policy, purchase tax invoice, down payment certificate, motor vehicle driving license, mortgagor's ID card and private seal. Customers need to personally sign a formal loan contract and mortgage contract at the bank or notary office, which will be notarized on the spot. After the formalities are complete, the bank will go to the vehicle management office to handle the vehicle mortgage procedures. Generally, the whole loan procedure can be completed within one week.

I hope my answer can help you. If you are satisfied, please adopt it! Thank you very much.

Wish you a happy life!

Question 9: Do you still need a notarized mortgage to buy a car by stages? There are two kinds of car loans: 1. Bank loans (loans issued by banks). 2. Financing loans (various financing institutions, excluding banks).

If you want to apply for a bank car loan, the loan period is up to three years, and the handling fee is charged according to the loan period and vehicle type. Some car loans don't charge fees for three years, and some car loans don't charge fees for one year, 2% for two years and 4-8% for three years, which are detailed on the credit card websites of various banks. This kind of loan requires the lender to have a fixed job and income, but the advantage is that the procedures are low and the vehicle does not need mortgage or notarization.

There is also a car loan, which is a financial lending institution set up by a car sales company and can be completed in stages for up to five years. However, the procedure cost is very high, which can reach 16% at the highest. When you buy a car, the loan specialist will explain it to you. This kind of loan has low requirements for the lender, but the owner and the insurance beneficiary are both auto financing companies, not the lender himself, and they need to apply for mortgage, that is to say, the vehicle is mortgaged to the financial lending institution, and the transfer can only be handled after the loan is paid off.

Question 10: What is the mortgage fee for a car loan?

Having valid identification and full capacity for civil conduct;

Can provide fixed and detailed address proof;

Have a stable job and the ability to repay the loan principal and interest on schedule;

Personal social credit is good;

Holding a car purchase contract or agreement approved by the lender;

Other conditions stipulated by the cooperation organization.

How to apply for mortgage loan?

1, apply. If you are going to use your car for mortgage loan, you should first prepare the corresponding information and apply to the loan bank. Fill in the loan application form and fill in the corresponding information when applying.

2. Review the materials. After receiving the information of the loan applicant, the bank will review the information submitted by the loan applicant according to the internal requirements of the bank, but the review will inform the loan applicant of the specific reasons, and then inform the applicant to proceed to the next step after the review is passed.

3. Evaluate the vehicle. After the data is approved, the loan audit will entrust the corresponding vehicle evaluation agency to evaluate the vehicles submitted by the loan applicant, and the evaluation fee will generally be paid by the loan applicant.

4. Determine the quota. After completing the vehicle value assessment, the bank will determine the loan amount for the loan applicant according to the assessed price of the vehicle.

Step 5 go through the formalities. After determining the loan amount, go through the loan procedures according to the bank's loan requirements. The specific procedures may be different for each bank, depending on the whereabouts of the lending bank.

6. Conduct notarization. After the loan procedures are completed, the loan contract of both parties needs to be notarized, and the notary office will issue a notarial certificate, which will be put together with a set of loan materials and kept as files.

7. Admission documents. After the notarization is completed, the loan bank will provide the relevant information of the mortgaged vehicle, such as the original motor vehicle registration certificate, according to the corresponding requirements.

After the above procedures are completed, the bank can issue loans to the applicant according to the contract. After the loan is paid to the applicant's account, the whole automobile mortgage process is completed.

How to apply for vehicle loan mortgage

Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third person's car or self-purchased car as collateral.

(1) application conditions

1. has a stable occupation, and the applicant has the ownership of the local mortgaged vehicle.

2. Carry out business and live and work in the city for a long time.

3. China citizens who have reached the age of 18, have full capacity for civil conduct and have a fixed residence in China.

4. Open a savings account in a loan bank.

5. Car mortgage can be provided, and there are guarantee measures recognized by the loan bank.

6. Willing to accept other conditions stipulated by the lending bank.

(2) Handling procedures

1, initiate a loan application.

The purpose, amount and duration of the loan proposed by the borrower to the financial institution. If the loan application meets the loan scope of this financial institution, then you need to prepare the corresponding information.

2. Prepare loan information

Because many customers need money badly when they borrow money, it will save a lot of trouble if they can prepare the materials in advance.

Step 3 evaluate the price

After submitting the above materials, the bank will conduct on-the-spot investigation and evaluation of the mortgaged car according to the submitted materials. Every link is an important part of the automobile mortgage process, which directly determines your automobile mortgage amount. Generally speaking, there will be some discrepancy between this assessment and the market price, because the assessment agency will consider multiple factors.

Step 4 apply for a loan

Submit all loan review materials and evaluation reports or investigation opinions to the bank for approval. At this time, the loan customer must pay attention to preparing all the information. If anything is omitted, it will affect the loan progress.

5. Notarization of loan contract

The borrower-level mortgagor fills in the loan contract and all relevant documents, signs them, and notarizes them by the notary.

6. Mortgage registration procedures

The bank shall go through the mortgage registration formalities at the registration authority with the automobile ownership certificate and notarized loan contract.

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.

The introduction of notarization mortgage of automobile loan ends here.