Looking for acquaintances to buy used cars can get loans from banks. Bank loan requirement: 1, with full capacity for civil conduct and no bad bank credit record; 2. Units with good personal social credit and no bad credit records can also apply, and they need to provide real estate licenses (or purchase contracts) such as business licenses. Customers who have no real estate can find someone to guarantee (the guarantor must have a real estate license or a house purchase contract), and customers who have proof of income and a running account for half a year. Basic requirements for personal loans for used cars: 1. Vehicle type restriction: the age of the vehicle cannot exceed 5 years from the date of production; The loan period for vehicle age cannot exceed 6 years; 2. Loan ratio: 50%-70% of the estimated car price; 3. Loan term: 13 months to 36 months; 4. Car price requirements: higher than the estimated price of 6.5438+10,000 yuan; 5. Interest rate: the annual interest rate is 8.8% (7.33 per month).

Can someone else use my car as collateral?

The loan applicant can apply for a mortgage loan from the bank with someone else's car as collateral, but it needs the consent of the owner.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 394 Where the debtor or a third party mortgages the property to the creditor to guarantee the performance of the debt without transferring the property, and the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be paid in priority for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

Article 395 The following properties that the debtor or a third party has the right to dispose of may be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.

Article 400 To establish a mortgage, the parties shall conclude a mortgage contract in writing. A mortgage contract generally includes the following clauses: (1) the type and amount of secured creditor's rights; (2) The time limit for the debtor to perform the debt; (3) The name and quantity of the mortgaged property; (4) the scope of the guarantee.

Article 419 During the limitation of action for principal creditor's rights, the mortgagee shall exercise the right of mortgage. If it is not exercised, people will not be protected.

Can't I get a mortgage on my car?

Even if the vehicle is not in its own name, it can be mortgaged.

The procedures for using automobile mortgage in the name of others must be complete. In fact, using the car as collateral in the name of relatives is undoubtedly an expedient measure to alleviate the financial problem, but the premise is that all procedures are complete and indispensable.

Generally speaking, the required materials include the ID card of the borrower and the owner, vehicle driving license, vehicle registration certificate, car purchase invoice, tax payment certificate, automobile insurance policy, etc.

Note that there are two forms of car mortgage in other people's names: there are two forms of borrowing. First, the owner has the same loan as the borrower, and becomes a nominal lender with the same repayment obligation as the borrower; Second, the actual user is the borrower, and the owner does not need to go through relevant procedures on the spot. However, because it is not clear whether the vehicle mortgage has been approved by the owner, the lending institution will make up for the business risk by raising interest.

Can I get a car mortgage loan in my own name? Actually, you can do this.

Everyone who owns a car knows that when applying for a loan from a bank, the car can be used as collateral and taken to the bank to apply for a mortgage loan. However, many borrowers are not clear about the threshold for applying for bank car loans and the requirements for vehicles. Can I apply for a mortgage loan without my own name? This is actually possible!

Can I get a car mortgage loan in my own name?

Under normal circumstances, the vehicle mortgage loan requires that my car can be mortgaged at the vehicle management office. If the vehicle is not mortgaged in my name, the consent of the owner is required.

In order to avoid mortgage of vehicle loans without the consent of the owner, if the actual employer is the borrower, the lending institution will reduce the operating risk by raising interest.

There are two ways to mortgage a car that is not in my name. One is that the owner and the borrower have the same loan and become nominal lenders, and * * * has the same repayment obligations; The second is that the actual employer is the borrower, and the owner does not need to go through the relevant procedures.

But the premise is that all procedures must be complete before they can be handled, and none of them are indispensable. Generally speaking, the required materials include the identity cards of the borrower and the owner, vehicle driving license, vehicle registration certificate, car purchase invoice, tax payment certificate, automobile insurance policy, etc.

Fill in the name of the actual user: when applying for a vehicle mortgage loan that is not in his own name, the actual loan fund user must fill in his own name, so that others can rest assured to lend you the vehicle loan, and secondly, it can save the owner the trouble of going to the scene to go through the relevant procedures.

In addition, the borrower should be reminded that if you apply for a loan by car in the name of others, if you don't repay the loan on time, it will not only affect your own credit, but also affect the credit of the owner, increasing the risk of the owner lending you the car.

The above is the sharing of "Non-personal automobile mortgage", I hope it will help you!

Can't I mortgage my own car? Can't a car be mortgaged in its own name?

It's not a car in its own name, but it can also be mortgaged. One is that the owner and the borrower have the same loan and belong to the nominal lender, so * * * has the obligation to repay the loan. The other is that the actual user uses a non-personal vehicle to handle the relevant procedures, and the owner can do it without going to the scene. However, in order to avoid the vehicle loan mortgage without the consent of the owner, if the actual user is the borrower, the lending institution will reduce the operational risk by raising interest.

What should I pay attention to when I get a mortgage loan without my own name?

1, you must obtain the consent of the vehicle owner before you can use a car that is not in your own name as a mortgage loan, so it is also the best choice to use a car in the name of a relative.

2. To use automobile mortgage, you must have complete procedures, such as vehicle driving license, motor vehicle registration certificate, owner's ID card, borrower's ID card, automobile insurance policy, car purchase invoice and so on.

3. When the vehicle mortgage loan is not in his own name, the actual user of the loan funds needs to fill in his own name, which will make it more convenient to go through the formalities and the lending institution will feel more at ease.

4. When using a vehicle loan under someone else's name, you must repay it on time, otherwise it will affect the credit of the owner and your own credit.

Can I get a loan if the car is not in my name?

Can handle loan business. If the user does not own a car, he can use someone else's car as a condition for applying for a mortgage loan.

Usually, using someone else's car as collateral must obtain the owner's consent, otherwise the loan will not have serious consequences.

When you get a mortgage loan under someone else's name, you must pay attention to the relevant procedures, get the consent of the owner, and make full preparations.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Establish a fixed-term appointment system for the legal representative of the borrower and its main management personnel. The appointment period can be determined according to the size of the loan amount and the changes in the production and operation of the borrower. If the loan amount is large, the appointment period should be shortened accordingly.

Loan officers (loan officers, members of the credit review team and members of the credit review committee) shall not engage in improper private contact with borrowers in loan activities.

Credit officers and their immediate family members shall not accept the borrower's cash, precious gifts, shopping vouchers, etc. ; Shall not participate in recreational activities paid by the borrower; No expenses shall be repaid to the borrower.

For loans with large loan amount and long term, or loans used by borrowers for specific purposes, lawyers, accountants and other professionals should be hired to make professional judgments and provide expert opinions on related matters.