I sit on the sofa, too.
Second, how to apply for a car loan?
Automobile mortgage process:
1. The applicant applies to the lending institution;
2. The lending institution conducts an investigation according to the applicant's materials to evaluate the value of the vehicle;
3. The lending institution evaluates the loan amount according to the information of the applicant;
4. Handle relevant procedures and entrust the judiciary;
5. The lending institution receives the relevant documents of the applicant;
6. After approval, the lending institution lends money to the applicant. Matters needing attention in automobile mortgage, Beijing: 1. In most automobile mortgage, you can mortgage your car instead of your car. In other words, as long as you mortgage the relevant documents of your car to the lending institution, you can get a loan, and after installing GPS, the car will still be used as usual. Therefore, before making a mortgage, we must first understand whether the car mortgage has a mortgage, and try to avoid the institutions that want to mortgage the car; 2. automobile mortgage's funds are often used for short-term turnover. If you need a long-term loan, it is not applicable to borrow money with a car as collateral.
Third, how to apply for a car loan?
It is suggested to handle the loan business through formal channels for financing, and you can consider applying for the online loan business of Agricultural Bank of China.
Online loan realizes the process of self-service application, online signing of credit contract and self-service credit. The application process is as follows:
(1) Loan line channel (personal online banking loan) application interface.
(2) The borrower understands the conditions and handling process of NetJet loan.
(three) fill in the basic information, the proposed loan period, loan and repayment account, mailing address, etc.
(4) Department
(5) Signing the Power of Attorney for Personal Credit Business online.
(six) to confirm the loan information, the amount and purpose of the loan application.
(seven) read and sign the "one" application information online, and then apply.
The annual interest rate of NetJet: the interest rate of mortgage customers rises by 65,438+05%, and the interest rate of non-mortgage customers rises by 65,438+05. Interest rates will be adjusted in due course.
The term of NetJet loan shall not exceed one year.
Use of NetJet loan:
(1) The online loan business shall be used for personal consumption purposes, and shall not be used for the purposes stipulated by relevant state laws and regulations.
(2) NetJet loan is sent in cash.
If you need other help, you can further call the customer service center of Agricultural Bank of China for verification.
Fourth, how to borrow a mortgage car?
Steps of automobile mortgage: 1. Apply for a loan and submit the corresponding application materials; Then it will be audited by the lending institution; After examination and approval, the borrower and the lender may conclude a written mortgage loan contract through consultation; Finally, the mortgage registration is handled according to law, and the lending institution issues loans to the applicant. Legal Basis Article 12 of the Interim Measures for the Administration of Personal Loans, the lender shall require the borrower to apply for personal loans in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions. Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion. Article 23 A lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels. Article 28 After the loan contract comes into effect, the lender shall issue the loan in time as agreed in the contract.