The lending institution receives the information provided by the applicant; Conduct home visits, investigate and evaluate the value of the applicant's vehicle; The lending institution initially reserves the loan amount; Handling entrustment notarization and loan notarization; The lending institution accepts the relevant documents of the applicant; Go through the mortgage registration formalities, and the mortgage institution lends money. Mortgage interest rate refers to the loan with real estate in the bank, and the loan should pay interest according to the interest rate stipulated by the bank. The mortgage interest rate in China is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range.
Second, how to operate Wuxi automobile mortgage?
Mortgage loan process:
(1) The mortgaged property information is confirmed to be available for sale as a commodity;
(2 people provide appraisal collateral and submit appraisal report, which is 5% of the appraisal value.
(3) The bank assists the applicant in handling insurance procedures and corresponding loans;
(4) Not exceeding 70% of the assessed value, and approved by the examination and approval.
(5) The borrower shall go through the mortgage registration formalities at the vehicle management office with the vehicle registration certificate and loan contract, and the relevant expenses shall be borne by the borrower;
(6) After the mortgage registration is completed, the bank can issue the loan to the borrower's personal savings account.
3. How to operate Wuxi automobile mortgage?
Mortgage loan process:
(1) The mortgaged property information is confirmed to be available for sale as a commodity;
(2) The bank designates an appraisal institution to appraise the collateral provided by the applicant, and submits an appraisal report, charging an appraisal fee of 5‰ of the appraisal value;
(3) The bank assists the applicant to handle the insurance formalities and the corresponding loan approval procedures, and the loan amount is the highest;
(four) no more than 70% of the assessed value, and the loan contract and mortgage contract are issued after approval;
(5) The borrower shall go through the mortgage registration formalities at the vehicle management office with the vehicle registration certificate and loan contract, and the relevant expenses shall be borne by the borrower;
(6) After the mortgage registration is completed, the bank can issue the loan to the borrower's personal savings account.
4. Can Wuxi automobile mortgage be done?
You don't need a China Merchants Bank card, you can apply for a car owner loan, you don't need to stop and install GPS, and you can lend money in real time for up to 3 years and up to 300,000. You can choose the repayment method of equal principal and interest, paying interest first and then paying principal. To apply, you need to download China Merchants Bank Pocket Life APP.