First of all, we need to know the basic conditions for handling personal car loans:/kloc-citizens over 0/8 years old with full civil capacity; Have legal identity documents, local permanent residence or valid residence certificates. This is the basic condition for handling car loans. Let's take a look at the materials needed to apply for a loan to buy a car. 1, personal loan application; 2. Personal valid identity documents. Including resident identity cards, household registration books, military officers' cards, passports, etc. If the borrower is married, the identity certificate of the spouse shall be provided; 3. Household registration certificate or long-term residence certificate 4. Personal income certificate, and family income or property certificate if necessary; 5. Certificate of intention to buy a car issued by the car dealer; 6. Loan to buy a car down payment certificate; 7. If the purchased vehicle is secured by other means other than mortgage, the relevant materials of the guarantee shall be provided, including the pledge certificate, the ownership certificate and evaluation certificate of the mortgaged real estate, and the letter of intent for third-party guarantee, etc. 8. If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the vehicle's affiliation agreement and lease agreement with the transport fleet; 9. The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by the Construction Bank; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc. The above are the basic conditions for handling personal car loans, and the materials that need to be prepared to apply for loans to buy a car. I hope this answer will solve your problem.
2. Can the mortgage car be transferred?
Generally, a mortgage car cannot be transferred. The specific reasons are as follows: 1. The car cannot be transferred during the mortgage period. Because when handling car loans, car property rights have been transferred to lending institutions. In the future, only the right to use the car, not the right to dispose of the car; Only when all the loans, including the principal and interest, are paid off, will the property right of the car be returned to the parties again. Therefore, the car cannot be transferred when mortgaged, let alone bought or sold. The specific process of vehicle transfer is as follows: 1, issue a receipt transaction and pay the second-hand car transaction tax. Private household charges 1%, Gong Hu 3%; 2. Vehicle external inspection, that is, driving the vehicle to the vehicle inspection office, carrying out external inspection, extension, license removal and taking photos of the vehicle, obtaining photos of the vehicle, posting them on the inspection records, and entering the transfer hall for filing procedures; 3. Select the license plate number. After the numbering machine takes the number, it queues up with relevant materials to pay the transfer fee; 4. To move out, the required materials include motor vehicle registration, transfer, cancellation registration form, transfer-in application form, inspection record form, original motor vehicle property registration certificate, original driving license, original owner's ID card, original license plate number, vehicle photo, and transaction market transfer invoice. Legal basis: Article 18 of the Regulations on Motor Vehicle Registration: If the owner of a motor vehicle moves out of the area under the jurisdiction of the motor vehicle management office, the motor vehicle management office at the transfer-out place shall inspect the motor vehicle within three days from the date of acceptance, endorse the changes on the motor vehicle registration certificate, and make and upload the electronic file of the motor vehicle. The owner of a motor vehicle shall apply to the vehicle management office for vehicle transfer within 30 days. If the owner's residence of a minibus or motorcycle moves out of the jurisdiction of the vehicle management office, it shall apply to the vehicle management office for registration of change. To apply for motor vehicle transfer, the motor vehicle owner shall confirm the application information, submit the identity certificate and motor vehicle registration certificate, and submit the motor vehicle for inspection. If the motor vehicle is transferred beyond the validity period of the inspection, it shall carry out safety technical inspection in accordance with the provisions, and submit the certificate of motor vehicle safety technical inspection and the compulsory insurance certificate for traffic accident liability. The vehicle management office shall inspect the motor vehicle within three days from the date of acceptance, collect and check the rubbing film or electronic data of the motor vehicle identification code, review the relevant certificates, vouchers and electronic files of the motor vehicle, endorse the transfer-in information on the motor vehicle registration certificate, recover the license plate and driving license, determine the new motor vehicle license plate, and issue the license plate, driving license and inspection mark. Before the owner of a motor vehicle applies for transfer-out or transfer-in, he shall deal with the road traffic safety violations and traffic accidents involving the vehicle.
3. Can the mortgage car be transferred?
You can't transfer the car during the mortgage period.
1, because when handling the car loan, the car property right has been transferred to the lending institution. In the future, there will only be the right to use the car, not the right to dispose of it.
Only after paying off all the loans, including the principal and interest, will the property right of the car be returned to us again. Therefore, the car cannot be transferred when mortgaged, let alone bought or sold.
3. Therefore, before applying for automobile mortgage, the borrower must consider the loan problem in combination with his own overall situation. Otherwise, the unpredictable repayment will not only leave a stain on his credit record, but also affect his application for other loans in the future.
4. Can the newly transferred car be mortgaged?
Legal analysis: Yes. If the car formalities have been completed, that is, in my name, it can be used as collateral, but it is unknown whether the bank will mortgage the car. Even if it can, there may be a soft rule of more than 300,000 cars.
Legal basis: Civil Code of People's Republic of China (PRC).
Article 394 Where the debtor or a third party does not transfer the possession of the property in order to guarantee the performance of the debt, and the debtor or the third party performs the due debt or realizes the mortgage according to the agreement of the parties, the creditor has the right to regard the debtor or the third party as the mortgagor, the creditor as the mortgagee and the property provided as the mortgaged property.
Article 395 The following properties that the debtor or a third party has the right to dispose of may be mortgaged: (1) Buildings and other land attachments; (2) the right to use sea areas; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.
Article 400 To establish a mortgage, the parties shall conclude a mortgage contract in writing. A mortgage contract generally includes the following clauses: (1) the type and amount of secured creditor's rights; (2) The time limit for the debtor to perform the debt; (3) Name and quantity of the collateral.
Article 419 During the limitation of action for principal creditor's rights, the mortgagee shall exercise the right of mortgage.