With the rapid development of car loans, vehicles purchased by stages are also included in the scope of mortgage loans, so even vehicles purchased by stages can apply for mortgage loans.
However, the vehicles mortgaged by installment cars are different from ordinary vehicles. Mortgage loan by installment car is mainly based on installment car repayment, which is a common car loan in the market. The applicant can provide the car loan agency with the car information of buying cars by stages, and the car loan agency will evaluate the applicant's identity information, vehicle information and repayment situation, and then issue the loan amount to the applicant according to the evaluation results. However, the interest of this loan method is relatively higher than that of ordinary loans.
Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.
Bank mortgage loan
I. Personal housing loans
1. Personal housing commercial loan
Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.
2. Personal housing provident fund loans
Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.
3. Individual housing portfolio loans
Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.
Second, the enterprise mortgage loan
Enterprise loan target: all kinds of small and medium-sized enterprise customers with good business conditions in industrial and commercial registration.
Term of enterprise loan: generally 1-5 years.
Enterprise loan amount: generally 500,000 ~ 65.438+0 billion yuan.
Basic requirements:
1. Holding a loan card issued by the People's Bank of China, with no bad credit record.
2. The company has been registered and operated 1 for many years, with an annual turnover of more than 3 million in the latest year.
The comprehensive interest rate and expenses are generally between 8%- 14%.
Trust mortgage loan
Mortgaged trust loan means that the trustee accepts the entrustment of the principal and issues the loan according to the object, purpose, term, interest rate and amount specified by the principal (or in the trust plan), and the financier takes real estate mortgage as the guarantee method of the trust loan. The interest rate plus handling fee is generally around 18% per year.
Real estate investment trust
RealEstateInvestmentTrusts, abbreviated as "REITs", literally translated as real estate investment trusts, also known as real estate investment trusts, originated in the United States. REITs are generally divided into three types: stock, mortgage and hybrid.
Pawnshop mortgage
Mortgaged pawn refers to the act that a pawnshop mortgages its real estate to a pawnshop, pays a certain percentage of fees and interests to obtain a pawnshop, and pays the interest and expenses of the pawnshop within the agreed time limit, repays the pawnshop and redeems the pawnshop. The interest and expenses add up to about 3% per month.
Vehicle mortgage
Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third person's car or self-purchased car as collateral. The purpose of loans with automobiles as collateral is mainly automobile consumption. Of course, cars depreciate rapidly, and traffic accidents are likely to affect the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage. ) The emergence of automobile mortgage service platform "Easy Car Loan" provides a new channel for people who own private cars to borrow money in the short term.
With Auto Easy Loan, customers can use the ownership of their own vehicles as collateral to obtain short-term financing needs. It broke through the traditional vehicle mortgage loan model and put forward the service of "vehicles without mortgage". The vehicle loan applicant can continue to use the vehicle after going through the formalities only by installing the GPS positioning system on the mortgaged vehicle, without pledging the vehicle like the traditional vehicle mortgage loan, and will not lose face or cause inconvenience in travel because the vehicle is pledged, and can obtain funds as soon as possible on the same day.
house property mortgage
Real estate mortgage loan refers to the RMB loan in which the borrower mortgages the purchased commercial house, and the loan bank provides the borrower with a package of financial services to meet his various needs such as house purchase, parking space, large durable consumer goods, automobiles and house decoration. Financial institutions give borrowers a certain credit line within the stipulated mortgage interest rate. Generally speaking, the loan approval and lending cycle of financial institutions are relatively long.
Can the vehicle be mortgaged?
Cars are collateral recognized by financial institutions and can be used to apply for mortgage loans. However, cars are consumables and wear and tear every year. Therefore, if you apply for a loan with a car as collateral, the loan period and loan amount will be limited to some extent. Common collateral is generally real estate, which belongs to real estate, and financial institutions have higher recognition of real estate than cars.
Of course, as long as the user's car meets the mortgage conditions, it can be used to apply for a mortgage loan. Compared with credit loans, the amount of mortgage loans will be higher.
Extended information
Mortgage classification
Bank mortgage loan
1, personal housing loan
1, personal housing commercial loan
Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a self-operated loan in which a natural person with full capacity for civil conduct buys a self-occupied house in the urban area of this city, and the purchased property house is used as collateral. Repay the loan. And apply to the bank for commercial housing loans.
2, personal housing provident fund loans
Personal housing provident fund loans are entrusted loans issued by policy housing provident fund. Refers to the workers who pay the housing provident fund in the urban area of this city and purchase, build, transform or overhaul their own houses. The housing provident fund loan applied to the bank is used as a guarantee for repayment of the loan.
3. Individual housing portfolio loans
All borrowers who meet the requirements of commercial loans for individual housing pay the housing provident fund at the same time, and apply to the bank for personal housing provident fund loans at the same time when applying for commercial loans for individual housing, that is, the borrowers will use the purchased urban self-occupied housing as collateral. You can apply to the bank for personal housing provident fund loans and personal housing commercial loans at the same time (this loan method is called personal housing portfolio loans).
2. Enterprise mortgage loan
Enterprise loan target: small and medium-sized enterprises in good operating condition in industrial and commercial registration.
Term of enterprise loan: generally 1-5 years.
Enterprise loan amount: generally 500,000 to 65.438 billion yuan.
Basic requirements:
1. Holding a loan card issued by the People's Bank of China, with no bad credit record.
2. The company has been registered and operated for 1 years, with an annual turnover of more than 3 million in the previous year.
The comprehensive interest rate handling fee is generally between 8%- 14%.
Does the bank have car loan business?
Most banks have car mortgages. As long as the borrower meets the loan conditions, he can apply for a loan with the car as collateral. The details are as follows:
1, which is not used for other mortgage loans;
2. The vehicle has clear property rights and is considered by the bank as a vehicle that can be used for mortgage;
3. The borrower holds valid identity documents;
4. The borrowing age should be at least 18 years old (including 18 years old) and have full capacity for civil conduct;
5. The borrower needs to have a stable economic income and the ability to repay the principal and interest of the loan;
6. The borrower needs a good credit status and no bad credit record.
Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.
Vehicle mortgage
Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third person's car or self-purchased car as collateral. The purpose of loans with automobiles as collateral is mainly automobile consumption. Of course, cars depreciate rapidly, and traffic accidents are likely to affect the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage. ) The emergence of automobile mortgage service platform "Easy Car Loan" provides a new channel for people who own private cars to borrow money in the short term.
With Auto Easy Loan, customers can use the ownership of their own vehicles as collateral to obtain short-term financing needs. It broke through the traditional vehicle mortgage loan model and put forward the service of "vehicles without mortgage". The vehicle loan applicant can continue to use the vehicle after going through the formalities only by installing the GPS positioning system on the mortgaged vehicle, without pledging the vehicle like the traditional vehicle mortgage loan, and will not lose face or cause inconvenience in travel because the vehicle is pledged, and can obtain funds as soon as possible on the same day.
house property mortgage
Real estate mortgage loan refers to the RMB loan in which the borrower mortgages the purchased commercial house, and the loan bank provides the borrower with a package of financial services to meet his various needs such as house purchase, parking space, large durable consumer goods, automobiles and house decoration. Financial institutions are
Give the borrower a certain credit line within the specified mortgage rate. Generally speaking, the loan approval and lending cycle of financial institutions are relatively long.
From which platforms can vehicle mortgage loans be borrowed?
There are many platforms that want to mortgage vehicles, such as: credit, CRRC flash loan, and Chebang loan.
1, on credit. Credit is a car loan APP under Ping An Bank, which belongs to Ping An mortgage car loan products. 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 credit 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.
Which loan platform has the lowest interest rate and is the most formal: the loan amount with money is 500,000-200,000. This is a pure credit loan product suitable for all kinds of users, and the amount can be recycled. The minimum daily interest rate is only 0.02%, and the fastest approval is 30 seconds. Age 18-55 years old. You can apply for a loan by providing your ID card and bank card.