Hello, if you need to apply for a loan business, our bank has not applied for a loan secured by a vehicle at present. Our loan is earmarked and it is impossible to lend cash directly. If you can't provide collateral for the loan, we have personal consumption credit loans and our consumption loans have credit loans. Credit loans can only be used for personal consumption purposes (including car purchase, decoration, teaching materials, bulk shopping, tourism, etc.). ), and you need to provide proof of use when applying, because the collateral review is strict. The specific application requires you to provide personal information through the counter personal loan department, and the handling bank will review your situation before handling it.
Whether the loan can be released in the end shall be subject to the audit results of the loan handling bank.
If you have any other questions, please visit the Online Customer Service of China Merchants Bank (website: /cmu/icslogin.aspx? From = b & ampLogincmu=0), we will serve you wholeheartedly! Thank you for your concern and support for China Merchants Bank!
2. Can I mortgage the used car I bought?
Of course. The premise is to buy a second-hand car, the procedures are handled normally, and the vehicle transfer procedures are handled at the vehicle management office. When mortgage loans, you can provide relevant procedures for vehicle ownership. Automobile mortgage automobile mortgage takes the borrower's or a third party's car or self-purchased car as collateral to obtain loans from financial institutions or automobile consumption loan companies. At present, loans secured by cars are mainly fast. (Of course, cars depreciate rapidly, and traffic accidents have a high probability of affecting the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage, and the general loan evaluation price is 50-80%. )
3. Can a used car be used as a mortgage?
In fact, used cars can also apply for mortgage loans.
Although it is said to be a used car, you can apply for a mortgage as long as you buy it in full and there is no problem with your account and procedures.
Of course, the biggest difference between used cars and new cars is value.
Especially for some used cars with broken records, it is more difficult to apply for automobile mortgage in banks.
In addition, because of the low value and rapid depreciation of used cars, the loan amount that borrowers can apply for is about 30% less than that of new cars.
And the interest rate of used car mortgage is usually higher than that of new car. It is suggested that borrowers can use it in short-term and long-term installments with higher interest rates.
In order to maintain a good credit record, we should also pay attention to our online loan big data in time. You can click on the query in "Xiaoqi Credit Information" to view our own online loan big data report and keep good credit at all times.
Extended data:
Can old cars be mortgaged?
If the old car meets the mortgage conditions of the bank, then you can apply for a mortgage loan.
The old car is too old, or the kilometer is too long. At this time, it does not meet the mortgage conditions of the bank and cannot be used to apply for a mortgage loan.
Before the old car is mortgaged, it is recommended to consult the staff in charge of loans to find out in advance whether the old car can be mortgaged.
When the old car does not meet the mortgage conditions, users can provide collateral recognized by other banks, so they can still apply for mortgage loans.