If your credit information is good, the vehicle value is above 70,000, and you have a local Ping An Bank, you can go to Ping An Bank to make a automobile mortgage, and the interest is between 5% and 8%, but it is usually 8%. It is estimated that the interest of 5% is very small.
Then if your vehicle is under 70,000, you can apply within one year. If the vehicle is more than three years old and the damage assessment is less than 50,000, which is not enough for the initial amount, then your vehicle cannot be mortgaged.
The advantage of Ping An Bank's car loan is that it does not need to install GPS, evaluation fee and other handling fees. Compared with other car loans on the market, it kills all products.
However, if your credit information is not very good, other financial companies can also apply for car loans, with interest between 8% and 5%. All the benefits I said are equal principal and interest. In addition, there are other miscellaneous fees for installing GPS, about 2000 yuan, and the monthly traffic fee to 300 yuan 100, depending on the situation of financial companies. The maximum amount of auto loan bank is 500 thousand, and a few financial companies can reach 800 thousand. In addition, the repayment time is basically 3 years, at least 2 years. Some companies also have six months.
2. Can ICBC handle car mortgage?
There are many kinds of ICBC loans, and the collateral provided by different loans is different. Please refer to the regulations of the loan bank for details. If you have any questions, please contact 95588 for details. You can also pay attention to the official WeChat account of "China Industrial and Commercial Bank Customer Service" and reply to the "loan outlet" to inquire about the phone number of the loan bank. Tips: The mobile phone is unattended. In case of busy business, no one may answer. Please call several times during working hours. (Answer time: March 22, 2020. In case of business changes, please refer to the actual situation. )
3. Can ICBC mortgage the car bought by installment?
Staged vehicles cannot be directly mortgaged in ICBC, and credit loans can be applied according to the repayment situation of the lender. You can also repay the loan in advance and apply for a mortgage loan after redeeming the ownership of the car.
Apply for credit loan by taking advantage of loan repayment opportunity;
1. The borrower shall submit relevant materials (ID card, household registration book, vehicle registration certificate, driving license, etc. ) go to the bank and apply for a loan;
2. After the bank examines the application materials submitted by the borrower, both parties sign a loan contract;
3. The bank issues loans to borrowers through transfer.
Process for installment payment in automobile mortgage:
1. The customer provides information, fills in the loan application form and submits the application;
2. The bank appoints an evaluation agency to evaluate the vehicle;
3. The lender contacts the prepayment company;
4. The bank shall review the information and handle relevant formalities;
5. Redeem the car and release it;
6. Re-register the mortgage;
7. Restart repayment.
4. Can ICBC mortgage the car bought by installment?
Staged vehicles cannot be mortgaged directly at ICBC, but can be mortgaged according to loans. You can also repay the loan in advance and apply for a mortgage loan after redeeming the ownership of the car.
Paragraph:
The borrower needs to submit relevant information (ID card, household registration book, vehicle registration certificate, driving license, etc.). ) get a loan from the bank.
After the bank examines the application materials submitted by the borrower, the two parties sign a loan contract;
The bank issues loans to borrowers through transfer.
Process for installment payment in automobile mortgage:
Customers provide information, fill in loan application forms and submit applications;
Bank name
The lender contacts the prepayment company;
The bank examines the data and goes through the relevant procedures;
Redeem the car and release it;
Re-register the mortgage;
reopen