When users apply for automobile mortgage, they shall not mortgage the Green Paper to lending institutions. Some lending institutions only need to register, and the Green Paper can be kept by users themselves, so there will be cases where the loan is used to buy a car but the Green Paper is here.

In addition, if the car is directly mortgaged to a lending institution, then there is no need for a green paper on mortgage. It should be noted that the mortgage is registered in the Green Paper, and the mortgage must be released after the loan is paid off, otherwise the user has no ownership of the vehicle.

Matters needing attention in automobile loan

Generally speaking, to apply for a loan from a lending institution, you need to bring the following documents: personal identity card, marriage certificate, work certificate, income certificate and other necessary supporting materials. Bian Xiao suggested that you must carefully check these documents before going out. In order to avoid running back and forth because of backwardness, and then wasting time and energy.

Before signing a formal auto loan contract, the borrower must carefully check every clause in the loan contract. Since most lending institutions now provide printed format contracts, their credit managers will not introduce the loans in detail one by one, but only focus on them, which may lead to deliberate neglect of some terms. Therefore, applicants must study one by one, and don't wait until they formally sign it to regret it.

Why do I have a green copy of the loan car?

When users apply for automobile mortgage, they shall not mortgage the Green Paper to lending institutions. Some lending institutions only need to register, and the Green Paper can be kept by users themselves, so there will be cases where the loan is used to buy a car but the Green Paper is here. In addition, if the car is directly mortgaged to a lending institution, then there is no need for a green paper on mortgage. It should be noted that the mortgage is registered in the Green Paper, and the mortgage must be released after the loan is paid off, otherwise the user has no ownership of the vehicle.

Buying a car by mortgage means that the borrower who applies for buying a car pays part of the down payment first, and the lender issues loans to the buyer in installments for the rest.

First, when you provide these mortgage procedures for buying a car.

1. Original ID card, household registration book or other valid proof of residence, and provide its copy.

2. Proof of occupation and economic income;

3 car purchase agreement, contract or letter of intent signed with the dealer;

4. Other documents required by the cooperation agency.

Second, the conditions for applying for a car

1. has valid identification and full capacity for civil conduct.

2. Can provide a fixed and detailed address certificate;

3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;

4. Personal social credit is good;

5. Holding a car purchase contract or agreement approved by the lender;

6. Other conditions stipulated by the Cooperation Organization.

Third, the application method

In order to increase car sales, the government and financial institutions jointly launched a personal loan car purchase business. At present, there are two main ways to buy a car with personal loans in the market finance industry, 1. It is to buy a car with real estate mortgage. Generally, a car can be mortgaged for up to 5 years with a down payment of more than 30%. The interest rate is mainly determined according to your loan type and your personal qualifications. 2. Personal credit loan to buy a car (unsecured and unsecured, generally requires you to have good credit and stable work income). This kind of loan can generally be used for 5 years with a down payment of more than 30%.

Fourth, the process of buying a car

1. Lead the customer to the bank's special dealer to choose a car and sign a car purchase agreement or contract;

2. The borrower applies to the loan bank for personal automobile mortgage;

3. Sign the contract with the consent of the investigation;

4. Go through the formalities of notarization and mortgage of automobiles;

5. Lenders (banks) handle loans;

6. After the loan is paid off, the lender (bank) cancels the pledge certificate and returns it to the customer.

I bought a car with a loan. Why do I have a green paper?

When users apply for automobile mortgage, they shall not mortgage the Green Paper to lending institutions. Some lending institutions only need to register, and the Green Paper can be kept by users themselves, so there will be cases where the loan is used to buy a car but the Green Paper is here. In addition, if the car is directly mortgaged to a lending institution, then there is no need for a green paper on mortgage. It should be noted that the mortgage is registered in the Green Paper, and the mortgage must be released after the loan is paid off, otherwise the user has no ownership of the vehicle.

The red book and the green book mainly refer to the color of the cover of the real estate license in Shenzhen. In Beijing, they are all red books, which are divided into big books and small books. Big capital can be listed, and small capital refers to small property houses that cannot be bought or sold.

1. Shenzhen has dividend capital and green capital. The same red houses are large property houses that can be used for general commercial houses, while green houses are small property houses that cannot be bought or sold. Most of the small property houses are public welfare houses.

To change the original owner, only he knows what his house is like. If it is a "housing reform house", it can be changed after completing the formalities, and it can be listed after getting the little red book.

You can't sell the green house, otherwise it's illegal, and you can't expect legal protection at all, so it's definitely impossible for you to apply for a long-term residence endorsement or settlement with this green house. This is similar to the situation that public property in Taiwan Province Province was occupied by private individuals in the 1950s and the procedures were incomplete.

Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. The actual interest rate of car loan is set by the handling bank according to the actual situation of customers and with reference to the benchmark interest rate stipulated by the central bank. There are three types of car loans: direct, indirect and credit card. The term of car loan is generally 1-3 years, and the longest is no more than 5 years.

Personal loan car purchase business is divided into direct customers, indirect customers and credit card car loans. The direct customer type is generally a bank car loan for customers to meet directly, and the indirect customer type is generally a car loan from an auto finance company to a customer car loan.

The fees charged by banks for direct car loans include deposit, principal and interest, and 3% guarantee fee. And the bank's premium customer fees will be discounted, but the preferential policies of each bank are different.

In addition to the above fees, personal auto financing companies also need to bear supervision fees, fleet management fees and warranty renewal deposits.

And credit cards, car loans. Credit card installment car loan only provides installment payment for bank credit card users, not all conditions can be handled, and there is an audit procedure, which is difficult for credit card users with bad credit records.