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.
If you apply for a credit loan, the focus is on good credit, and it doesn't matter if the car you bought with the loan is not paid off. But the debt should not be too high, otherwise it may also affect the loan approval.
Extended data:
Matters needing attention in automobile mortgage:
1. Due to the rapid depreciation of a car and the high probability of encountering a traffic accident, which easily affects the value of the car, the loan evaluation price is generally not particularly high when applying for a loan for a mortgaged car, which is generally around 50% to 80%.
2. Car mortgage is often used for short-term turnover. If you need a long-term loan, it is not recommended to apply for a car mortgage.
3. If the motor vehicle owner mortgages the motor vehicle, he shall apply for mortgage registration at the vehicle management office at the place of registration.
4. Some cars don't need to put the car in the lending institution, but only put the green paper, the so-called "car-free pledge card", and then install the GPS positioning system on the car, and the car can still be used normally.
5. Customers had better choose to go to the bank for auto mortgage, or choose a formal consumer financial institution with a financial license approved by the CBRC. Never go to an unknown loan company, which may lead to loan fraud and loss of money.
Vehicle mortgage loan process:
To handle the vehicle mortgage loan, the lender first needs to apply to the lending institution, and then prepare the corresponding materials according to the requirements of the lending institution. After the approval of the lending institution, if it passes, the vehicle mortgage formalities will be handled and the loan will be made after signing the contract.
If the vehicle is still mortgaged, then the lender needs to consult the lending institution, and in this case, whether the loan can be made. Generally speaking, mortgaged vehicles can also be loaned, but vehicles still have loan scope and need to be evaluated by relevant institutions.
If my car doesn't apply for a mortgage, it must be approved by the owner. In this case, more materials are needed to apply for a loan, and the procedures will be more troublesome. You can consult relevant lending institutions for details.
After handling the mortgage loan, the lender needs to repay the loan according to the contract, otherwise it will have a serious impact on the lender's credit information. If it exceeds the limit stipulated in the contract within the time limit, the lending institution has the right to terminate the contract in advance, and the consequences are more serious.
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.
What app can use vehicle loans?
First, car loans.
Chelai Loan is a mobile phone software that provides vehicle mortgage loan. As long as you have a car, you can come here to solve your financial difficulties. Convenient, safe and secure, and the user experience is very good.
Second, worry-free car loans
Worry-free car loan is an online loan APP that does not bet on cars. Flexible term, fast loan and high valuation. There are hundreds of offline stores to meet your online and offline loan needs. If you have a car, you can apply for a loan from Worry-Free Car Loan.
Third, China car flash loan
Shenzhou Car Flash Loan is an online loan APP, and you can borrow money if you have a car. High-speed lending does not require a car. The loan amount is as high as 90% of the vehicle valuation, and the monthly interest rate is as low as 0.36%. There are wired stores all over the country, so it is very convenient to apply for car mortgage.
Fourth, CreditEase Car Loan
Yixin car loan is a super practical online loan APP, and you can borrow money if you have a car. Friends who have cars under their names and need money urgently can choose. They can only lend money quickly without taking a bus, provide the service of signing the front door, and borrow money without leaving home.
Verb (abbreviation of verb) Chebang loan
Chebang Loan is an APP that only makes cars. The maximum loan amount of each pledged vehicle is 80% of the assessed value, which is a platform with both safety and flexibility.
What are the car loan platforms?
First of all, the car is for a loan.
Car loan is a mobile phone software that provides vehicle mortgage loan. As long as you have a car, you can come here to solve the problem of tight money.
Second, enjoy the car loan
Worry-free car loan is a car-free online loan APP with flexible term, fast loan and high valuation.
Third, China car flash loan
Shenzhou Flash Loan is an online loan APP. You can take a car loan without taking a car loan.
Four. Yi Xin che Dai
Easy car loan is a super practical online loan APP, which can be used for car loans. Friends who have cars and need money urgently can choose.
Verb (abbreviation of verb) Chebang Loan
Car loan is an APP that only makes cars. The maximum loan amount for each mortgaged vehicle is 80% of the assessed value.
There is a car loan platform.
There are many platforms that want to mortgage your vehicle, such as: credit, CRRC flash loan, and Chebang loan.
1. Hey. Credit is a car loan APP under Ping An Bank, which belongs to Ping An mortgage loan product. If users want to apply for a loan with their own car as collateral, they need to provide proof of marital status, loan use plan, income certificate, personal assets certificate and other related materials. The entrance to the credit store is also easy to find. Users can search Ping An Pocket Bank in the mobile app store, then click "My" to find a car loan, and then apply for a car loan according to the operating instructions.
2. shenzhou car flash loan. Shenzhou Flash Loan is a financial service product under UCAR, which mainly provides users with services such as used car loans and car mortgages. Users can apply for a loan on Shenzhou Car Flash Loan, which can be up to 90% of the estimated car price, and the loan can be completed within 2 hours at the earliest. According to the feedback from real users, even if the user's car is not very valuable, he can apply for a certain amount of loan in Shenzhou Car Flash Loan.
3. Chebang loan. Chebang Loan is an automobile pledge platform under Zhejiang Chebang Internet Finance Information Service Co., Ltd. Users can apply for loans on Chebang Loan, up to 80% of the vehicle appraisal value. According to the official explanation of Chebang Loan, applying for a loan on Chebang Loan can complete the loan within one hour at the earliest.
Extended information:
I. Definition: A simple and popular understanding of a loan (e-IOU credit loan) is to borrow money with interest.
Two. Repayment method:
(1) Equal principal and interest repayment method: equal repayment of loan principal and interest every month. For housing provident fund loans and commercial personal housing loans, most banks have adopted this method. So the monthly repayment amount is the same;
(2) Average capital repayment method: that is, the borrower distributes the loan amount evenly throughout the repayment period and pays off the loan interest from the previous trading day to the current repayment date. In this way, the monthly repayment amount decreases month by month;
(3) Pay interest on a monthly basis, and repay the principal at maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [applicable to loans with a term of less than one year (including one year)], and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;
(4) Early repayment of part of the loan: that is, the borrower applies to the bank for early repayment of part of the loan amount, which is generally an integer multiple of 1 000 or 1 000. After repayment, the loan bank issues a new repayment plan, and the repayment amount and repayment period change, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period.
(5) Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance by applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
(6) Pay as you borrow: the interest after the loan is calculated on a daily basis, and the interest is calculated on one day. You can pay the money in one lump sum at any time without any penalty.
Third, the "three principles" of loans refer to safety, liquidity and efficiency, which are the fundamental principles of commercial banks' loan operation.
1. Loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without losing the land to meet the customer's demand for withdrawal of deposits at any time;
3. Efficiency is the basis of sustainable operation of banks. For example, issuing long-term loans, the interest rate is higher than short-term loans, and the income will be good. However, if the loan term is longer, the risk will increase, the safety will decrease and the liquidity will weaken.
Therefore, the "three natures" should be harmonious, and the loan can be no problem.