The mortgage car can get a loan, but only if the loan of the mortgage car has been settled, and the mortgaged car cannot continue to apply for a mortgage loan.
Second, the specific analysis
1. To apply for a vehicle mortgage loan, you need to apply for mortgage registration, and the mortgaged car cannot be mortgaged to others again during the mortgage period.
2. If the mortgage loan is not settled, the motor vehicle registration certificate will always be withheld from the lending institution and cannot be recovered. It is difficult to mortgage a car without a license.
3. Most lending institutions only accept unsecured vehicles to apply for mortgage loans, which is one of the hard conditions for vehicle mortgage loans.
Therefore, if a mortgage car wants a loan, the premise is to settle the car loan and then meet the conditions for continuing the mortgage loan.
If the mortgage car loan cannot be settled, you can only apply for a personal credit loan that has nothing to do with the car, and apply in a pure credit way without any mortgage.
After the mortgage car is settled, the mortgage loan terms are usually.
1, the mortgage car is not an operating vehicle, but a small private car. It can only be mortgaged if there has been no major traffic accident.
2. The purchase time of the mortgage car is less than 10 year, the mileage is less than10.5 million kilometers, and the residual value exceeds 50,000 yuan.
3. The owner and the borrower must be the same person. At present, there is no car loan for the mortgaged vehicle.
4. The borrower is generally 22-60 years old and has full capacity for civil conduct.
5. The borrower's credit status is good, and there is no serious bad credit record in the past.
6. The borrower has a stable income and the ability to repay the loan principal and interest on time.
7. Other conditions, such as providing ID card, motor vehicle registration certificate, driving license, etc.
If you don't understand the big data on your own network, you just need to search: Xiaoqi Credit Information, click Query and enter information to find your own 100-line credit information. However, with the establishment of Baixing Credit Information, almost overdue online loans will affect personal credit in the future. You must pay attention to your ability when borrowing money.
3. How much can a mortgage car borrow?
The maximum loan amount for commercial vehicles is 70% of the total car value, and the maximum loan amount for private cars is 80% of the total car value.
At present, there are three kinds of mortgage loans, namely credit loans, automobile mortgage loans and unsecured loans.
1. Credit loan application materials include mortgage contract, ID card, driving license, driving license and vehicle insurance policy.
2. The application materials to be prepared for automobile mortgage include motor vehicle registration certificate, driving license, purchase additional tax certificate (original), car purchase invoice, insurance policy, travel tax, tax payment certificate related to imported vehicles, and ID card.
3. The application materials for non-parking loans include ID card, motor vehicle registration certificate, motor vehicle driving license, vehicle insurance policy, work certificate and address certificate.
In addition to the above application materials, the borrower can increase the quota if he provides the real estate license at the time of application.