Having a car in a bank may not be able to get a loan, but it can only be handled if it meets the loan conditions of the bank.
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. 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.
Do you have a car to mortgage?
Cars are collateral recognized by financial institutions and can be used to apply for mortgage loans. However, cars are consumables and wear and tear every year. Therefore, if you apply for a loan with a car as collateral, the loan period and loan amount will be limited to some extent. Common collateral is generally real estate, which belongs to real estate, and financial institutions have higher recognition of real estate than cars.
Of course, as long as the user's car meets the mortgage conditions, it can be used to apply for a mortgage loan. Compared with credit loans, the amount of mortgage loans will be higher.
Extended information
Mortgage classification
Bank mortgage loan
1, personal housing loan
1, personal housing commercial loan
Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a self-operated loan in which a natural person with full capacity for civil conduct buys a self-occupied house in the urban area of this city, and the purchased property house is used as collateral. Repay the loan. And apply to the bank for commercial housing loans.
2, personal housing provident fund loans
Personal housing provident fund loans are entrusted loans issued by policy housing provident fund. Refers to the workers who pay the housing provident fund in the urban area of this city and purchase, build, transform or overhaul their own houses. The housing provident fund loan applied to the bank is used as a guarantee for repayment of the loan.
3. Individual housing portfolio loans
All borrowers who meet the requirements of commercial loans for individual housing pay the housing provident fund at the same time, and apply to the bank for personal housing provident fund loans at the same time when applying for commercial loans for individual housing, that is, the borrowers will use the purchased urban self-occupied housing as collateral. You can apply to the bank for personal housing provident fund loans and personal housing commercial loans at the same time (this loan method is called personal housing portfolio loans).
2. Enterprise mortgage loan
Enterprise loan target: small and medium-sized enterprises in good operating condition in industrial and commercial registration.
Term of enterprise loan: generally 1-5 years.
Enterprise loan amount: generally 500,000 to 65.438 billion yuan.
Basic requirements:
1. Holding a loan card issued by the People's Bank of China, with no bad credit record.
2. The company has been registered and operated for 1 years, with an annual turnover of more than 3 million in the previous year.
The comprehensive interest rate handling fee is generally between 8%- 14%.
Can I get a loan from the bank to buy a car?
At present, the Bank of China does not accept personal mortgage (pledge) revolving loans for the time being.
The above contents are for your reference. Please refer to the actual business regulations.
Where can I get a loan to buy a car?
Lenders can apply for loans in real financial institutions such as banks, consumer finance and small loan companies if they have a car. You can directly mortgage your car and apply for a mortgage loan. Or apply for other types of loans and submit the automobile property certificate as proof of financial resources, so that the lending institution will think that the user has strong repayment ability and give a higher loan amount.
Of course, if users want to use their own vehicles, they can apply for non-mortgage loans.
If I have a car in my name but I don't have it with me, can I get a loan?
First of all, if you have a car in your name and he is in your name, you can get a loan. You can borrow money. So, I think if you have a car in your name, you can still get a loan even though you don't have it with you.
If I have a car in my name, can I get a loan from the bank?
Having a car in a bank may not be able to get a loan, but it can only be handled if it meets the loan conditions of the bank.
As long as a customer with a car under his name maintains good personal credit, has a stable and legal source of economic income, and has the ability to repay the principal and interest of the loan on time, he can go to any bank for a loan or use the car under his name as collateral.
Of course, if you want to use a car as a mortgage to get a loan, and the car itself is bought by a loan and has not been paid off, it is best to pay off the car loan first, and then apply for a car mortgage loan; Or you can go to a bank that provides secondary mortgage business, such as Industrial and Commercial Bank of China, China Merchants Bank and so on.
Matters needing attention in bank loans
Define the loan amount: when applying for a loan, the application amount should not be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, borrowers should apply for loan amount according to their repayment ability to avoid economic pressure caused by high monthly payment.
Keep good credit information: keep a good credit information status. If the credit information is seriously overdue (three times in a row and six times in overdue repayment) or bad debts, the loan amount will be reduced to increase the loan interest, and the loan will be directly refused in serious cases.