Going to the bank to apply for a car loan, car mortgage loans do not bet on the car bet on the green book?
Vehicle mortgages can bet on the green book, because the lending institutions to use the customer's green book to do mortgage registration procedures, generally must bet on the green book of vehicle mortgages will not provide the customer to bet on the car loan. If the customer does not want to bet on the green book, so some lending institutions will provide customers with a car loan, which is also a lending institutions in order to avoid the risk of maintaining their own interests.
If the customer has more application requirements for the car, you can choose to bet on the green book of the pledge loan method, in this case as long as the customer in accordance with the provisions of the loan repayment, will not affect their daily see the car. Of course, in the customer to pay off the car loan, but also as soon as possible to retrieve from the vehicle registration certificate to do vehicle release.
If the customer does not use the car frequently, or still in the loan vehicle, the vehicle registration certificate is not in their hands, in this case the customer can try to apply for a car loan loan loan, but in this case, the collateral must be the car still has a certain relative residual value, and this is a second mortgage, there are a number of formal lending institutions are not easy to agree to this type of loan application for the application. The first is to make sure that you have a good idea of what you want to do with your car.
So if you need a vehicle mortgage loan, you need to be able to choose the right lender to apply for the loan, and you can make your own judgment.
In addition to the green book, the customer should also according to the needs of the lending institutions in advance to prepare personal credit report, personal income certificate, tax certificates, personal identity card number, a spare car key and other related information and objects, depending on the needs of the lending institutions as a standard.
Vehicle mortgage process
The important steps of vehicle mortgage are as follows:
1. Submit a loan application to the lender for processing. At this point, customers are advised to consult more lenders and pick the one that suits them to submit the application.
2, in accordance with the needs of the lending institutions to prepare loan documents in advance. This information includes the identity card number of the driver and his pledgee, personal income proof and personal credit report, which should be based on the notice of the lending institution's work.
3, the lending institution on the customer's relevant information to review. The main thing is to see whether the customer's income meets the requirements, and whether there are stains on his personal credit report.
4, the approval will rate the collateralized vehicle its value. The higher the value of the mortgaged vehicle, the more loan credit the customer can get. There are some lenders who are very strict about the need for a mortgaged vehicle, the age of the car and its mileage must not exceed the limit.
5. After the car is evaluated, the lender will sign a loan contract with the customer. The customer must carefully observe the specifics of the loan contract to see if the credit limit, annual interest rate, and deadline are consistent with the original contract.
6. After signing the contract, the lender will provide the loan. Generally speaking, the vehicle mortgage lending time can not be more than 1 month, the customer can be concerned about the lending institutions work in a timely manner to notify the loan once the loan has been issued need to also remember to follow the agreement to repay the loan.
Being able to see that it is after the loan has been dispatched that the customer needs to repay the loan in accordance with the regulations, the loan has not yet been dispatched, it is all not yet really reached the entrusted relationship.
No green book no car loan
Reveal the car without a green book, because when applying for a mortgage, the green book is stored in the nuclear silver has been lending institutions.
Then apply for a loan, still need to green book registered mortgage, no green book premise, can not apply for a mortgage Zheng Diao loan. There are also some loans that can be applied for with just a Shout's Nen green book.
There is a kind of loan that you can apply for to mortgage a car without a license, which is to mortgage a vehicle to a lender, but without a green book, so that you can also get a loan. The car will be mortgaged out, the user will not be able to normal use of the vehicle
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The car loan without a green book is also a loan. When we say a car doesn't have a 'green book', we generally mean that it doesn't have a certificate of motor vehicle registration. If you can't mortgage the "green book" to the lender, you can apply for a car without a license. But in this case, your car can not be used normally, so this mode of lending is still relatively rare.
Banks commonly refuse to lend home loans in several cases:
(1) Bad credit record leads to loan approval failure: Most people now have multiple credit cards at the same time, and many people in the "card family" have a record of late repayment. After enjoying the convenience of credit cards, they don't care about credit history. In recent years, banks have refused to lend money because of overdue credit cards. Three consecutive cumulative six late repayments on credit cards will be regarded as bad credit by banks and loan applications will be rejected. Therefore, it is important to pay attention to credit problems and make timely repayments so as not to become a credit blacklist.
(2) Microfinance: With the development of the Internet and big data, many people around you have started to borrow money online, there are capital turnover for business, and there are loans for loans. These people have good credit, but when applying for a home mortgage in the bank, the bank will require you to pay off the small loan in advance. Therefore, before purchasing a home, you should accurately assess your indebtedness in a timely manner, unless your income can fully support microcredit and home loans. However, as a rule of thumb, 95% of banks will ask you to repay the microloan when you actually apply for the loan. Once the home loan is approved, the microfinance loan can be processed. Therefore, it is important to inquire about this before you buy a house, as there are many cases of people withdrawing from a house because they can't settle the microloan. (The above refers to loans on credit).
(3) Consumer loans: refers to some small loans, such as computer installments, cell phone installments, etc., no matter how much the amount, must be paid off before you can apply for a home loan, especially for single customers.
(4) Car loan: usually it is not difficult to apply for a car loan with a home loan. It would be difficult to have a car loan and then apply for a home loan.
(5) whether there is a certain period of low-cost housing or special welfare housing (regional policy): before buying a house, you should determine whether there is a family member's name of low-cost housing. Before buying a house, ask the family if there is such a house. If so, you'd better go to the Housing Authority in advance to inquire whether it needs to be canceled or whether it can be transferred. Then decide whether to buy the house. Don't pay the money and can't get out of the house, the dilemma.