Matters needing attention in automobile mortgage application 1. Basic requirements and materials for automobile mortgage application service: 1. Have a stable occupation and the applicant has the ownership of the local mortgaged vehicle; 2, living and working in the city for a long time, to carry out business occupation and economic income; 3, motor vehicle registration certificate, driving license, purchase tax additional proof (this), car purchase invoice; 4. Insurance policy, travel tax and relevant tax payment certificates for imported vehicles; 5. ID card (temporary residence permit or residence permit within the validity period provided by non-local account customers); 6. Other documents required by the Cooperation Organization. Second, supplementary explanation: different institutions of automobile mortgage have slightly different requirements when applying. Generally speaking, the general conditions are: 1, the original ID card, household registration book or other valid residence documents, and provide their copies; 2. Proof of occupation and economic income; 3 car purchase agreement, contract or letter of intent signed with the dealer; 4. Other documents required by the Cooperation Organization. 5. This kind of car mortgage without parking needs to meet the following conditions: having a stable job, the applicant has the ownership of the local mortgaged car, and his business is to live and work in this city for a long time. Motor vehicle registration certificate, driving license, additional proof of purchase tax (original), car purchase invoice, insurance policy, travel tax, tax certificate of imported vehicles, and ID card (temporary residence permit provided by non-local registered customers within the validity period) are required. Iii. Loan process: 1, the lending institution receives the information provided by the applicant; 2. Visit the applicant's home, investigate and estimate the vehicle value; 3. The lending institution initially sets the loan amount; 4. Handling entrusted notarization; 5. The lending institution accepts the relevant documents of the applicant; 6. loans. Four. Precautions 1. In most car mortgages, loans can only be obtained if the relevant documents of your car are mortgaged to the lending institution, and the car will be used as usual after GPS is installed. Therefore, before making a mortgage, we must first understand whether the car mortgage has a mortgage, and try to avoid the institutions that want to mortgage the car; 2. automobile mortgage's funds are often used for short-term turnover. If long-term loans are needed, it is not applicable to borrow money with cars as collateral; 3. Because automobile mortgage often produces higher expenses, if you choose a vehicle mortgage loan with a long cycle, you can try to repay it in advance if there is prepayment. 4. When choosing institutions, borrowers should try to choose formal lending institutions.

Second, what are the conditions for making a vehicle mortgage loan?

1. What are the requirements for automobile mortgage?

1. At least 18 years old, with complete

2. Live and work in China for a long time and have the ownership of local mortgaged vehicles;

3 have a stable job and economic income, and can guarantee the repayment of loan principal and interest on schedule;

4. Bad credit records such as personal credit.

The above are the basic conditions for applying for a car mortgage, but different loan conditions will be slightly different. It is recommended to consult the staff of the lending bank or lending institution before applying.

When applying, you must also prepare temporary residence permit or residence permit and ID card, household registration book and other ID cards. And proof of work and income should also be prepared. There are also machine, additional proof of purchase tax, vehicle insurance documents, travel tax payment certificate, signed car purchase agreement and other related information.

Second, the advantages and disadvantages of automobile mortgage

superiority

First, the application threshold is low.

Only when the borrower has a car with an estimated value of not less than 50,000 yuan and a car age of not more than 5 years can he apply to the auto mortgage company. It is more reassuring for the borrower, so there is no strict requirement for credit investigation, which is simply a sound. "

Second, the loan speed is fast.

The company's approval speed is very fast. The borrower can complete the formalities as soon as possible and get the loan funds. For borrowers who are in urgent need of funds, automobile mortgage is undoubtedly a good way to get funds quickly.

automobile mortgage

First, the loan period is short.

Because the car depreciates quickly, it is suitable for borrowers who need funds in the short term. If they need to use funds for a long time, it is not recommended to apply for a car mortgage.

Second, the loan cost is high.

To apply for a car mortgage, you need to pay a car value assessment fee. If you don't pledge the car, you need to pay the handling fee of G. Generally speaking, the handling fee paid is relatively low, but it will affect the comprehensive calculation of the borrower's car cost.

3. How to prevent car mortgage from being cheated?

1. If you want to apply for automobile mortgage, you must find a regular loan company.

2. Most car mortgages are based on mortgage cards instead of cars. That is to say, as long as you mortgage the relevant documents of your car to a loan, you can use it as usual after installing GPS. Therefore, before making a mortgage, we must first understand whether the car mortgage has a mortgage, and try to avoid the institutions that want to mortgage the car.

There is no charge for formal loans. If you charge fees before the loan, you must be a liar.

3. What are the requirements for applying for automobile mortgage?

Spread out completely

Required information:

1, the license plate must be in the borrower's name;

2. The license plate is the location of the lending institution;

3. The bare car price is at least 50,000 yuan;

4. The longest age of the car cannot exceed ten years;

5. The vehicle has no mortgage.

In addition, the conditions for handling automobile mortgage through different lending institutions will be different. Therefore, borrowers need to negotiate with lending institutions in advance before handling loans, and make preparations in advance before applying for loans.