Need to know personal thoughts! Look at the value, there are only two options, mortgage sale and loan sale! Pledge is valuable, will not be scrapped, and flexible enough.

Bai Zehui, anything of value is available.

Second, how to mortgage the full car purchase?

Hello, the whole car shows that you have a car title certificate. This car is entirely yours and can be used as a car mortgage.

Mortgage premise:

The car belongs to your qualification completely, and you have the car title certificate.

Suggestion:

You can go to the bank to ask, the mortgage interest rate is relatively low, and the common Ping An, China Merchants Bank and China Construction Bank should basically have low-voltage products. When you need to go to the outlet, you need to ask and compare the interest. Some unique local banks also have this kind of mortgage loan.

The general mortgage amount will be 70% of the current car price, which is the highest, and basically many of them are lower than this. Someone needs a specific evaluation, and it seems necessary to install gps.

Third, how to buy a full car from a bank loan?

You can get a loan from the bank if you buy a car in full. The materials required to apply for a car loan from a bank include personal loan application, valid identity certificates of myself and my spouse, income certificates of myself and my spouse, marriage certificate and household registration book, identity card and its copy, car purchase agreement, contract or letter of intent signed with dealers, proof of deposit or down payment, supporting documents or materials required for guarantee and other documents and materials required by the cooperative organization.

Loan terms:

1. Car buyers must be at least 18 years old and be citizens of China with full civil capacity.

2. Car buyers must have a relatively stable job, a relatively stable economic income or assets that are easy to realize, so as to repay the loan principal and interest on schedule.

3. During the loan application period, the car buyer will deposit the down payment for car purchase lower than that stipulated by the bank into the bank savings counter account.

4. Provide banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.

5. Car buyers are willing to accept other conditions deemed necessary by the bank.

Automobile loan processing flow:

1. customer application: the customer applies to the bank, fills in the application form in writing and submits relevant materials at the same time.

2. Signing a contract: After the application materials submitted by the borrower are approved by the bank, both parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate.

3. Lending: The loan granted with the approval of the bank will be directly transferred to the account of the automobile dealer by the bank according to the contract after all the formalities are completed.

4. Repayment on schedule: The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract.

5. loan settlement.

Fourth, how to mortgage the full car purchase?

1. Loan target:/kloc-a natural person with full civil capacity aged from 0/8 to 60 (inclusive);

2. Loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the purchase price; If the purchased vehicle is a used car, the loan amount shall not exceed 60% of the purchase price of the borrower;

3. Loan term: the purchased vehicle is for personal use, and the loan term shall not exceed 5 years at the longest; The purchased vehicle is a commercial vehicle with a loan term of no more than 3 years;

4. Loan interest rate: subject to the loan interest rate regulations of commercial banks;

5. Guarantee method: To apply for personal auto loan, the borrower must provide certain guarantee measures, including pure vehicle mortgage, vehicle mortgage guarantee institution, vehicle mortgage natural person guarantee and vehicle mortgage performance guarantee insurance;

6. Repayment method: If the loan term is less than one year, you can use any repayment method such as monthly interest payment, equal principal and interest repayment, average capital repayment, and one-time principal and interest repayment. If the loan term is more than one year, the method of equal principal and interest and average capital repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.