The green paper of the automobile is the motor vehicle registration certificate, which is equivalent to the household registration book of the vehicle. Because it is a green shell, it is called a "green book". So, is green automobile mortgage safe?
Whether the green car mortgage is safe or not depends mainly on where you mortgage the green car. If you apply for a loan in a bank or a formal lending institution, then the green car is naturally mortgaged in the bank and lending institution. It's basically safe, and there will be no problem.
But now there are more and more private loans, and many lawless elements have mixed in. If you accidentally mortgage the Green Paper to a fraud agency, those criminals are likely to steal your information to commit some illegal acts or commit them on you. This is a big security risk.
Everyone should also keep their eyes open when lending to avoid falling into the trap. It is better to apply for loans from banks and formal large-scale lending institutions, which is safer and more secure.
If you have overdue records online, or have loan records from multiple platforms, your records will be subject to big data risk control. When your online lending platform often rejects you, even the flower garden will close. If there is any abnormality in your online hacker data, you can find that Xiaoqi Credit Information can get your own big data and credit status, various index data, and you can query your own personal credit status, blacklist, online loan application record, application platform type, overdue amount, whether there are arbitration cases and other important data information.
Extended data:
How much is Green automobile mortgage?
Whether you can apply for your favorite loan amount when you go to the car mortgage depends on the mortgaged car.
In general, the higher the value of the vehicle, the higher the loan amount you can apply for. In addition to the value of the car itself, the service life, mileage and whether it has been hit can all affect the final credit line.
If you apply for a car mortgage in a bank, you can generally apply for a loan amount of about 50% of the vehicle evaluation price.
If you apply for auto mortgage in an auto financing company, you can generally apply for a loan amount of about 70% of the assessed price of the vehicle.
To apply for a car mortgage on the mobile phone small loan software, you can generally apply for a loan amount of 80%-90% of the vehicle evaluation price.
However, the loan interest rate of mobile phone small loans is usually higher than that of banks and auto financing companies.
Of course, your personal qualifications can also determine the loan amount you finally apply for. If your personal credit rating is high, the amount approved by financial institutions is high.
If there are some bad overdue records on personal credit information, even if the car is valuable, the credit line applied for may not be within the ideal value.
Is automobile mortgage safe? Just pay attention to these points.
Car owners can consider using their cars as collateral and apply for automobile mortgage from financial institutions when funds are tight. However, many car owners still love cars and worry about the risks of car mortgage loans. Is automobile mortgage safe? Just pay attention to these points!
Is automobile mortgage safe?
Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third party's car or self-purchased car as collateral. At present, loans secured by cars are mainly fast.
In essence, going to the bank to apply for automobile mortgage is still risky.
In terms of value evaluation, the depreciation rate will be much higher than the mortgage, and the car price will be much lower than the house price, followed by the loan period, and the car loan cannot handle long-term loans. Compared with real estate, the value of a car is not so fixed, so if you usually use a car as a mortgage, the term will not exceed one year, which is a short-term loan.
In the process of handling car mortgage, there will be certain expenses, such as evaluation fee and GPS installation fee (if the car is not backed by license plate). Comprehensive calculation of various expenses shows that the expenses in automobile mortgage are not low.
Information required for handling automobile mortgage: having a stable occupation, and the applicant has the ownership of the local mortgaged vehicle; Proof of long-term residence and work, occupation and economic income in this city; Motor vehicle registration certificate, driving license, additional proof of purchase tax (original) and car purchase invoice; Insurance policies, travel taxes and tax vouchers related to imported vehicles; Other documents required by the Cooperation Organization.
The above is the sharing of "Is the car mortgage loan safe?". I hope it will help everyone!
Is automobile mortgage in danger?
1. Credit risk: the borrower's repayment ability is reduced due to unexpected circumstances, which makes the loan risky; Automobile dealers change the use of funds or exist behaviors; The long-term credit lines of borrowers in different banks are empty, which has caused huge losses to banks;
2. Market risk: a car with the same car has multiple loans in multiple banks; There may be cases where the nominal borrower cannot be contacted and the user makes an empty loan; Dealers connect borrowers in series and apply for loans by falsely reporting high-priced car prices in various ways; Borrowers apply for loans in the name of others; All the declared information is forged by criminals to obtain bank loans; Criminals set up fake car distribution companies to defraud buyers of all car loan funds;
3. Operational risk: blind cooperation, rough pre-loan investigation, inaccurate customer information, lax loan review and follow-up inspection.
These are all risks in automobile mortgage.
Problems of each subject in automobile mortgage
1. For the borrower, there may be credit risk and payment ability risk when the borrower conducts automobile mortgage. In addition, when the borrower's car price drops below the loan amount, or when the borrower's economic strength is damaged due to unexpected events, he may choose abnormal repayment. Therefore, loan companies need to do a good job in customer risk assessment from time to time to prevent such situations from happening;
2. Dealer: It is assumed that the vehicles sold by dealers have certain quality risks, which will affect the loan recovery to a certain extent; At the same time, the risk of the maximum loan guarantee limit is too large, and the loan is generally guaranteed by the dealer, which is beyond its affordability and there will be great potential risks;
3. Insurance company: The borrowing company will take advantage of the borrower's lack of knowledge and understanding of insurance and the omissions in loan handling, and will reduce its responsibility when it needs to bear the responsibility; In addition, some employees of the company violated the relevant regulations and shortened the insurance period to make the insurance invalid;
4. Operation of the lending institution: the staff of the lending institution conducted an inaccurate investigation on the actual situation of the borrower before handling the business, and the relevant assets and income certificates were seriously distorted, which would have a certain impact; In addition, after the loan business is completed, the post-management is not in place or not in place, and the organization has not confirmed the frame number and engine number of the mortgage car, which may have a certain degree of vicious impact on the whole loan transaction.