It will take three months.
First, it takes three months.
Application conditions for loan of Ping 'an car owners: age: 2 1-55 years old, income requirements: after tax ≥ 3,000 yuan/month, residence requirements: current residence ≥6 months, living or working in the place of application, applicant requirements: it must be the car owner himself, and there is no car loan under his name. Auto insurance requirements: the insured, the owner and the insured are consistent; Vehicle insurance is within the validity period; Support commercial auto insurance policies of all insurance companies.
Second, the requirements of Ping An car owners' loans for vehicles
It is a non-operating vehicle under my name and has been licensed for 3 months. The service life shall not exceed ten years (subject to the date of first registration), and the mileage shall not exceed1.5000 km. The approved value of the vehicle multiplied by the loan ratio shall not be less than 30,000. After the mortgaged vehicle meets the above requirements, the customer must meet the following conditions in order to successfully apply for the Ping An car owner loan: the age is between 22 and 60 (inclusive). The borrower is a citizen of China, a person from China, Hong Kong, Macao and Taiwan, and a foreigner. Comply with the relevant provisions of the state and local government departments, and be able to provide legal and valid identity documents, such as identity cards, household registration books, Hong Kong, Macao and Taiwan passes, passports, etc.
The owner loan of Ping An Bank refers to the consumer loan provided by Ping An Bank to users for purchasing vehicle insurance, taxes, vehicle decoration and vehicle maintenance.
1, loan term
The loan term of Ping An car owner loan is 1-3 years, and users can choose the appropriate term according to their own situation. The loan amount generally does not exceed 20% of the car price, and the range is1-200,000. If you want to apply for a car owner loan from Ping An Bank, you can go to Ping An Bank official website and click "Personal Business-Car Loan-Car Owner Worry-Free Loan" on the homepage to apply.
2. Loan conditions
Ping an car owner loan is the name of the loan. The owner loan of Ping An Bank requires individuals to submit loan applications to the bank. Loan conditions: Buying a car by mortgage means that the borrower who applies for buying a car pays part of the down payment first, and the lender will issue loans to the car buyer in installments for the rest. Buying a car by mortgage means that the borrower who applies for buying a car pays part of the down payment first, and the lender issues loans to the buyer in installments for the rest. Original ID card, residence booklet or other valid proof of residence, and provide a copy; Proof of professional and economic income, car purchase agreement, contract or letter of intent signed with the dealer; Other documents required by the Cooperation Organization. After you have provided these procedures for buying a car by mortgage, you need to meet other conditions before you can apply for buying a car: you have 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.
Why do you have to wait three months for a new car to be mortgaged?
It takes three months to get a mortgage loan for the car you bought, which has always been the case, because the newly bought car needs to go through the formalities.
(1) The mortgagor and the mortgagee shall conclude a mortgage contract in writing. Article 38 of the Guarantee Law: "The mortgagor and the mortgagee shall conclude a mortgage contract in writing."
(two) mortgage does not transfer the possession of collateral. Article 33 of the Guarantee Law: "The term" mortgage "as mentioned in this Law means that the debtor or a third party does not transfer its possession and takes the property listed in Article 34 of this Law as the creditor's right guarantee. When the debtor fails to perform his debts, the creditor has the right to discount or give priority to compensation with the price of auction or sale of property in accordance with the provisions of this law. "
(3) When the debtor fails to perform the debt, the creditor has the right to discount according to law or give priority to compensation with the price of auction or sale of the property.
Can I get a loan for a new car less than three months after it has been licensed?
No, it takes six months to apply for a mortgage.
Handling the automobile mortgage process:
1, the customer provides the materials of the vehicle to be mortgaged;
2. The appraiser of the borrower evaluates the vehicle to be mortgaged;
3. The borrower and the lender negotiate the value of the mortgaged vehicle;
4. The borrower and the lender sign a vehicle mortgage contract and notarize it at the same time;
5. The borrower and the lender shall go through the mortgage registration and relevant documents at the vehicle management office;
6. The lender drives the vehicle to the parking lot designated by the borrower, gives all the car keys to the company for safekeeping, and the borrower issues a receipt list and pays the mortgage amount at the same time;
7. After the mortgage expires, the lender and the borrower go through the repayment and mortgage cancellation procedures, repay all the loans, and cooperate with the borrower's vehicle management office to go through the mortgage registration cancellation procedures and get the car keys;
8. After the loan expires, the mortgage shall be released.
What are the conditions for a full car loan? How to deal with it.
A: The full amount of the car loan needs to be met: the naked price of the car is more than 70,000, the car is not more than five years or 654.38+10,000 kilometers, and the age is 25-55 years old. The registration certificate must be in the name of an individual, and the credit situation is not very bad. Note: It takes three months to borrow the mortgage that has just been decompressed by the guarantee company and the second-hand car registration certificate that has just been bought, and it takes one year to repay the new loan of Ping An.