The vehicle registration certificate can be lent.

Mortgaging the vehicle registration certificate to the bank can apply for a loan without parking the vehicle. During this period, users can get loan funds and use the vehicle during the loan period, which is very convenient for the applicant. However, the loan amount is limited by the service life of the vehicle, and the loan life of the vehicle for evaluation purposes is no longer than 5 years. It should be noted that unsecured loans will require the installation of GPS. If the user fails to repay the loan within the prescribed time limit, the bank may tow the car away, so it is necessary to repay the loan on time.

Article 394 of the Civil Code of People's Republic of China (PRC): In order to guarantee the performance of the debt, the debtor or a third party mortgages the property to the creditor's debt without transferring the possession of the property.

If the parties agree that the person subjected to execution fails to perform the due debt or the mortgage is realized, the creditor has the right to be paid in priority for the property. The property provided by the debtor or the third party as the mortgagor and the creditor as the mortgagee mentioned in the preceding paragraph is mortgaged property.

Article 425 Where the debtor or a third party transfers his movable property to the creditor to perform the secured debt, the debtor fails to perform the due debt or the creditor has the priority to be compensated for the movable property. The debtor or the third party specified in the preceding paragraph is the pledgor, and the movable property delivered by the creditor for the pledgee is the pledged property.

Conditions for bank loans:

1. Personal credit record is good.

Credit history is no stranger to friends who often borrow money. First of all, the bank's inspection of you is to see if your credit is up to standard. This is one of the most basic conditions. When you apply for a loan, the bank will begin to examine your personal credit. If you have accumulated more than three overdue records, no matter how good the conditions are, the bank will not hesitate to shut you out. Therefore, credit cards, car loans and other loans must be paid off in time. Finally, you always have to pay them back, and your credit history will get worse. If you are a person who has never borrowed money, congratulations on your good credit. The bank likes you best.

Second, the work unit is stable and the education is high.

The world has classes. A doctor and a primary school graduate go to the loan together, and the bank will definitely give priority to doctoral students only in terms of academic qualifications. It is because of the high doctoral degree. There is nothing to complain about, after all, it is the result of decades of hard study at the cold window. For this work unit and education, it is also one of the more important conditions for bank loans. If you are an employee of a Fortune 500 company or a state-owned enterprise with a relatively high education, the bank will give you a loan every minute. Because this is the guarantee of your high income and your high repayment ability. Banks naturally like people like you.

Third, the family background is good.

This project is a plus item for lenders. If you already have some properties and funds in your name, your loan will be very easy. After all, your financial ability is recognized. It's more reassuring for the bank to lend you money. It shows that you have the ability to repay on time. Of course, if you have the above three conditions, then the door of the bank will always be open for you.

How to borrow automobile mortgage?

I. Conditions for applying for automobile mortgage

1. Applicants are required to be 25-55 years old and currently have a stable income;

2. The vehicle certificate under its name is complete and there is no guarantee at present;

3. For the mortgaged car. The bank requires the car to be less than 5 years old and the journey is less than 80,000 kilometers;

4. The current appraisal value of the mortgaged car is 70,000 yuan, which is good.

These are the conditions for bank car loans. In addition to meeting the basic conditions of bank car loans, borrowers also need to prepare complete loan-related materials. The more complete the better, in order to better handle the car mortgage.

Second, car mortgage needs information.

1. Invoice when buying a car and other certificates when buying a car.

2. Driver's license and automobile property certificate.

3. Copy of the owner's ID card.

4. Master contract and vehicle mortgage contract.

5. Proof of mortgagee and mortgagor.

6. The car is parked at the loan company.

Three. Automobile mortgage process

1. The lending institution receives the information provided by the applicant;

2. Conduct home visits, surveys and vehicle value assessments on the applicants;

3. The loan amount initially reserved by the lending institution;

4. Handling entrustment notarization and loan notarization;

5. The lending institution accepts the relevant documents of the applicant;

6. Go through the mortgage registration formalities.

7. Loans

Four. .

In any of the following circumstances, the registered vehicle shall not be mortgaged.

1. Vehicles sealed up, detained and supervised according to law.

2 vehicles that have reached the standard of automobile scrapping in China.

3, overdue inspection or unauthorized modification of vehicles.

4. The customs supervision period has not expired.

5. The service life of the mortgage expires and reaches the scrapping standard.

6. Vehicles with mortgage registration.

7, the army (armed police) production and operation of vehicles for retaining soil hanging local number plate vehicles.

8. The obligee of mortgaged property is a state organ.

9. Other vehicles that cannot be mortgaged according to law.

The above is the car mortgage process. The bank will evaluate the applicant. Whether you have the ability to repay the loan on time, whether you have good credit in the bank and whether you have a stable job are the basis for the bank to evaluate the applicant. If the car is used as collateral, the bank will also evaluate the car. The purchase time, mileage and purchase price of the vehicle will all affect the loan amount.

How to mortgage a car loan

Handling process of automobile mortgage: 1, and the lending institution will evaluate the vehicle free of charge; 2. The lending institution will grant the loan amount according to the value of the vehicle and the actual situation of the customer; 3. Lenders choose loan products according to their own needs (loan cycle, parking, etc.). ); 4. Both parties sign a formal contract and go through the corresponding formalities; 5. Loans from lending institutions.

Automobile mortgage is very convenient to handle. Generally, you can apply on the same day, apply on the same day, and lend on the same day. For car mortgage, you can consult Amway loan. It doesn't matter if the company has a car. The procedure is simple, and you can lend money on the same day, which is trustworthy. Need money badly? Find a safe way! You can get a loan if you have a car! Conditions and procedures of automobile mortgage:

1, owner's ID card.

2. Motor vehicle driver's license.

3. Motor vehicle registration certificate.

4. Vehicle compulsory insurance and vehicle commercial insurance policies within the validity period.

5. Vehicle spare key.

Want to know more about car mortgage, I recommend consulting Amway car loan. Anmeitu Group was established in 2005. Backed by the strong financial strength of Anmeitu Group, the loan interest rate is relatively advantageous in the industry, and the fees are open and transparent. There are direct stores in Shanghai, Chengdu, Xi, Wuhan, Shenzhen, Chongqing, Beijing, Kunming, Guangzhou and Shihezi, Xinjiang. The service is very professional and has a good brand awareness in the automobile mortgage industry. Customers have many product choices, flexible operation and standardized process, and have a good reputation among old customers.

What are the processes and conditions in automobile mortgage?

Vehicle mortgage loan is a private loan, and banks do not have this business. Mortgage is to register the motor vehicle registration certificate (Great Green Paper) with the local vehicle management office. Conditions: the car has been paid in full, or the installment payment has been completed, that is, the car is no longer mortgaged. This kind of car can be mortgaged without any special conditions. You can go to the local vehicle management office with the original and photocopy of the ID card of the owner and mortgagee and the mortgage contract. It's simple.

How to handle vehicle mortgage loan

To apply for a vehicle mortgage loan, you must first choose a formal and reliable platform or institution, and then apply according to the process:

1. Bring valid personal identification and vehicle registration to the lending institution for application;

2. Submit materials to employees and fill in the loan application and loan contract;

3 loan amount, repayment method, loan interest rate, loan term and other information should be clear;

4. Bring information to the local vehicle management office for mortgage registration;

5, lending institutions to review the application materials;

6. After approval, you can go through the lending procedures;

7. The borrower repays the loan in full and on time as agreed;

8. After all the loans are paid off, you can go to the vehicle management office to issue a loan repayment certificate to the bank and cancel the vehicle mortgage information.

How to deal with automobile mortgage?

1. The borrower applies to the lending institution for automobile mortgage, then fills in the corresponding mortgage application form and submits relevant materials and certification materials;

2. The lending institution shall inspect the mortgaged vehicle, check whether the vehicle meets the requirements of vehicle mortgage loan, and check whether the vehicle and vehicle materials have been mortgaged.

3. automobile mortgage applicants need to bring personal valid ID card, vehicle registration certificate, driving license and insurance policy and other related materials to the lending institution for formalities;

4. The lending institution will review and investigate the application materials submitted by the applicant and whether the applicant meets the application conditions. If it passes the examination, the lending institution will sign a loan contract and a guarantee contract for the applicant;

5. After all formalities are completed, the lending institution will issue loans according to the terms agreed in the contract;

6. The borrower shall fulfill the repayment obligation and repay the loan principal and interest according to the repayment method and plan agreed in this contract.

What does a car mortgage do?

Treatment process

1. The lending institution receives the information provided by the applicant.

2. Conduct home visits, investigate and evaluate the value of the applicant's vehicle.

3. The loan amount initially reserved by the lending institution.

4. Handling entrustment notarization and loan notarization.

5. The lending institution accepts the relevant documents of the applicant.

6. Go through the mortgage registration formalities.

7. loans.

Extended data:

According to the provisions of the motor vehicle registration:

Twenty-second motor vehicle owners who use motor vehicles as collateral shall apply for mortgage registration at the vehicle management office where they are registered; If the mortgage right is extinguished, it shall apply to the vehicle management office at the place of registration for cancellation of mortgage registration.

Article 23 To apply for mortgage registration, the motor vehicle owner shall fill in the application form, which shall be jointly applied by the motor vehicle owner and the mortgagee, and submit the following documents and vouchers:

(a) the identity certificate of the motor vehicle owner and the mortgagee;

(2) Motor vehicle registration certificate;

(three) the main contract and mortgage contract concluded by the motor vehicle owner and the mortgagee according to law.

The vehicle management office shall, within one day from the date of acceptance, review the submitted documents and vouchers, and annotate the contents and date of mortgage registration on the motor vehicle registration certificate.

Article 24 Apply for cancellation of mortgage registration

(a) the identity certificate of the motor vehicle owner and the mortgagee;

(2) Motor vehicle registration certificate.

If the people mediate, make a ruling or make a judgment to cancel the mortgage, the owner or mortgagee of the motor vehicle shall fill in the application form and submit the motor vehicle registration certificate, the effective mediation book, ruling or judgment issued by the people, and the corresponding notice of assistance in execution.

The vehicle management office shall, within one day from the date of acceptance, review the submitted documents and vouchers, and annotate the contents and date of cancellation of mortgage registration on the motor vehicle registration certificate.

Twenty-fifth motor vehicle mortgage registration date, mortgage registration cancellation date can be available for public inquiry.

Article 26 In case of any of the circumstances specified in Item (1), (7), (8) and (9) of Article 9 or Item (2) of Article 20, mortgage registration shall not be handled. Do not apply for mortgage cancellation registration.