2. Suzhou, automobile mortgage and automobile mortgage
3 Luanchuan Hengfeng Microfinance Co., Ltd.
4 Luanchuan Jin Hui Investment Guarantee Co., Ltd
5 Luanchuan Tianyi Company Limited by Guarantee
6 Luanchuan Jinda Investment Guarantee Company Limited
7 Luanchuan Jincai Investment Guarantee Co., Ltd.
8 Luanchuan Shunshi Guarantee Co., Ltd.
Luoyang Luanchuan real estate mortgage loan refers to the loan that the borrower uses the house with its own property rights as collateral and the bank issues to the borrower for the purchase of real estate, cars, decoration and other consumption.
1. Conditions that a borrower should meet when applying for a loan in Luanchuan, Luoyang.
1, age 18-70, with full capacity for civil conduct.
2. Hukou (local and foreign) is acceptable.
3. Residential housing can be loaned for 70% for 30 years, and 60% for 20 years within 10.
4. The building area is more than 25 square meters (companies below 40 square meters can handle it).
5. Region: Luanchuan City, Luoyang and its surrounding areas (with clear property rights and state-owned land).
6. The house age+loan period is less than 40 years, and the loan period is over 30 years. The borrower's age+loan period cannot exceed 70 years.
The above is related to housing mortgage loan, which can not only handle housing mortgage loan, housing secondary mortgage, mortgage housing secondary arrival, mortgage housing bridge mat, but also do car mortgage in automobile mortgage and automobile mortgage.
Second, the advantages of Luoyang Luanchuan automobile mortgage
1. Low application threshold: Only the borrower owns 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 for a vehicle mortgage loan. Because there is a car as collateral, there is no strict requirement for the borrower's credit information, so it may be a good choice for friends with insufficient personal credit information records.
2. The next payment is fast: the car mortgage procedure is simple and the approval speed is fast. For borrowers who are in urgent need of funds, automobile mortgage is undoubtedly a good way to get funds quickly.
Three, Luoyang Luanchuan car mortgage defects
1. Short loan term: Due to the rapid depreciation of cars, the loan term is short, usually within one year. Therefore, car mortgage is more suitable for friends who need funds in the short term. For friends who need to use funds for a long time, it is recommended to apply for a real estate mortgage loan.
2. The loan cost is high: when handling the car mortgage, you need to pay not only the car value evaluation fee, but also the GPS installation fee and rental fee if the pledge certificate is issued. Therefore, under normal circumstances, the handling fee for mortgage and mortgage will be relatively low, but the borrower cannot use the car. Generally speaking, the comprehensive calculation of various expenses in automobile mortgage is relatively high.
Car mortgage has certain advantages, but the loan amount is not high. If you need a lot of money, car mortgage can't be satisfied.
If you need a lot of liquidity, you might as well try a real estate mortgage. The amount you can apply for is higher, the loan interest rate is lower, and the loan time can be as long as 30 years, which can effectively reduce the borrower's monthly payment burden.