The difference between not riding and riding in Wei automobile mortgage;

1. Who pawned the car for car mortgage: After registering the car mortgage, you need to park the car in the garage set up by the lending institution, and the car can no longer be used. The loan amount is higher than that of the non-bus mode, the interest rate is lower than that of the non-bus mode, and the loan period is longer than that of the non-bus mode.

2. Who doesn't mortgage the car? You only need to go through the relevant formalities of mortgage the car, and you can also use the car after handling the loan. You need to install GPS in the car, and the installation fee is borne by the borrower. Correspondingly, the loan amount is not as good as the former, and the interest rate has no advantage. The loan term is generally short-term.

Visa car mortgage does not take a taxi conditions:

1, aged between 18-60 years old, with full civil capacity;

2. The applicant owns the motor vehicle of the local vehicle management office brand, and the borrower owns the motor vehicle ownership;

3. Have a local account with a loan and a fixed residence in the local area;

4. The income is stable and the loan principal and interest can be repaid on schedule;

5. Other conditions that meet the requirements of the lending institution.

What are the advantages of the vehicle mortgage loan mortgaged by Visa?

1. The lender can choose not to mortgage the vehicle and enjoy the convenience of free driving.

2. The threshold for handling vehicle mortgage loans is low, and the procedures are simple, so you can lend money on the same day.

3. The repayment method of the lender is free and flexible.

What materials should be prepared for Visa's vehicle mortgage loan?

1. Proof of identity of the lender, such as ID card and residence permit. Water, electricity, coal and other expenses.

2. The borrower's income certificate, such as the income certificate issued by the company.

3. Vehicle driving license and motor vehicle registration certificate.

Generally speaking, the appraisal price of a car is determined by the appraisal agency, and the interest rate in automobile mortgage is determined by the borrower's credit status and repayment ability. Usually, the interest rate in automobile mortgage is around 70-80%.

5. For example, a new car mortgage loan of 60,000 yuan is generally estimated to be 40,000 yuan due to the rapid depreciation of the car. According to the mortgage interest rate of 70%, you can get a loan of 20,000-30,000 yuan.

6. In addition, the amount that a car can be mortgaged is also related to the nature of the car. The details are as follows: if the loan car is a commercial vehicle, the loan amount shall not exceed 70% of the total value of the car; If the car is a private car, the loan amount. Not more than 80% of the total value of the car; If it is a used car, the loan amount is determined by the evaluation value.

7. At present, private lending institutions in the market can reach the institutional price of 9- 10%, that is to say, according to your current 60,000 yuan, you can borrow 50,000-60,000 yuan, and the interest is generally divided. Of course, there is more flexibility. You can calculate the daily interest and how much it will cost.