Depending on the situation in the first half of the year, you can get a loan, yes.
2. Can a car with a car loan be mortgaged?
First of all, answer directly.
Vehicles that are still repaying loans can apply for mortgage loans, but vehicles that need to be mortgaged still have room for refinancing. In other words, the market value of the mortgaged vehicle has a certain value after paying off the remaining loan, and only in this case can you apply for a mortgage loan.
Second, the specific analysis
Because applying for a mortgage loan for a car that is still paying off a car loan is a secondary loan, some lending institutions will not accept such a mortgage loan, probably because they think it has more potential. Therefore, it may take some time for the lender to find a suitable lending institution.
Under normal circumstances, the amount of mortgage loan application will not exceed 70% of the value of collateral. Of course, different lending institutions have different regulations, but the higher the market value of the collateral submitted by the lender as a whole, the more loan quotas can be applied for.
After the loan application is successful, the lender must remember to repay the loan on time to avoid the influence of overdue on personal credit information. If the overdue times exceed the limit stipulated in the contract, the lending institution has the right to terminate the loan contract ahead of schedule, or even dispose of the mortgaged car.
You can check your online loan big data information in Winnie Hsin. The database cooperates with more than 2,000 online lending platforms, and the queried data is very accurate and comprehensive.
3. What's the difference between parking and pressing a car?
In car loan, betting on the car is actually the same as pressing the car.
Pressing a car generally refers to traffic jams, blocking roads, and vehicles can't walk for a short time. Escort is a Chinese word, which means to take care of and keep things with the car in case they are lost or make other mistakes. In order to prevent items from being lost or making other mistakes, please keep them with the vehicle. Also known as "pressing the car".
If you choose to park, you need to put your car in the special parking space of the lending institution. Lending institutions will be guarded, and then vehicles will be regularly maintained. If you don't stop, you need to install a GPS to expose your whereabouts at any time, but the advantage is that you can use the car at any time.
If you choose a loan institution to mortgage your car, the amount will be higher than that without mortgage, the interest rate will be much higher, and the loan period will be flexible. If you don't gamble, the loan amount may be much lower and the interest may be higher.
Whether the borrower chooses mortgage or not, the process is very fast, the term and repayment method are flexible, and the money can usually be obtained on the same day, which is very suitable for car owners who need short-term loan turnover.
We can't say which of these two ways is better, only which is more suitable for one. If you often need to use the car, you naturally choose not to use it, but if you don't use the car very much, it is naturally more cost-effective to save money.
3. Can a car bought with a loan be used as a mortgage?
The car bought by installment has been mortgaged, and then the second automobile mortgage is called the second mortgage, which is what we often say: one woman marries two. If it is a car of 200,000 yuan, I only made a car loan of 1 1,000 yuan for the first time, and I am making a car loan of 1 1,000 yuan for the second time. I can lend it to you, but the bank may not necessarily.