Matters needing attention in buying a car by mortgage: 1, application conditions. The threshold of financial car loan is low, and many brands screen loan consumers relatively simply; 2. Loan amount. Credit card car loan has a small amount, and credit card car loan has more restrictions on loan amount; 3. Loan interest rate. Credit card car loans do not charge interest, but the two-year handling fee is not much less than the loan interest rate of ordinary banks; 4. Term of the loan. Financial and bank car loans have a long service life, up to 5 years; 5. Loan procedures. There are a lot of financial and bank car loan materials. With the continuous improvement of China's credit system, there will be more and more credit card car loan models.

How to borrow automobile mortgage?

Bank mortgage loans can be divided into car mortgage loans and used car mortgage loans. These two kinds of mortgage loans will have different loan conditions and loan quotas under different circumstances, so how to borrow bank mortgage loans? The specific loan operation process can be viewed separately.

How to borrow automobile mortgage?

1. Personal car bank mortgage loan

1. Apply for a loan and fill in the application form;

2. Submit personal ID card, household registration certificate, income certificate, car purchase intention certificate, car purchase down payment certificate and other relevant application materials;

3. The bank shall investigate and review the submitted data;

4. After approval, both parties sign a loan contract and a guarantee contract;

5. Handle relevant notarization and mortgage registration procedures as appropriate;

6. The loan shall be directly transferred to the dealer's account by the bank.

Second, personal second-hand car bank mortgage loan

1. Before applying, make sure that the owner is the lender himself, the mortgaged vehicle is free, and the vehicle documents are complete;

2. Apply for a loan from the bank and fill in the application form;

3. Submit ID card, household registration certificate, income certificate, vehicle registration certificate, vehicle driving license, driver's license and other related materials;

4. The bank shall investigate and review the submitted data;

5. After approval, evaluate the mortgaged vehicle and determine its value;

6. Determine the amount of vehicle mortgage loan, such as signing a loan contract to evaluate 60% of the vehicle value;

7. Handle relevant notarization and mortgage registration procedures as appropriate;

8. Issue loans and transfer the loan funds to the bank card account designated by the lender.

The above is about "How to handle mortgage loans for bank cars". I hope I can help you.

Process of handling mortgage car loan

1. The borrower applies to the lending institution, takes the car as collateral, and provides the lending institution with personal ID card, motor vehicle registration certificate, original car purchase invoice and other materials;

2. The lending institution will confirm the information of the borrower and review the relevant qualifications of the borrower;

3. The lending institution will comprehensively evaluate the borrower's vehicle and determine the loan amount;

4. The lending institution signs a loan contract with the borrower, and the lending institution issues loans;

5. The borrower repays the loan according to the repayment method agreed in this contract.

The above is the relevant content of the mortgage loan process.

How to cancel the mortgage after the change of car loan?

1. After paying off the last monthly payment, the borrower will go to the lending institution for loan settlement with the loan contract and ID card;

2. The borrower and the staff of the lending institution bring relevant materials to the local vehicle management office;

3. After arriving at the vehicle management office, find the corresponding window, fill in the application form for cancellation of mortgage, and hand it over to the staff to handle the relevant procedures for cancellation of mortgage;

4. After the mortgage cancellation formalities are completed, the borrower takes back the vehicle ownership certificate.

What if the car loan is not paid back?

If the car loan can't be repaid on time, the owner needs to take the initiative to contact the bank with the loan to communicate and negotiate with its staff, explain the reasons why the individual can't repay, sincerely express his psychology of wanting to repay, and try to communicate with the bank staff whether he can apply for deferred repayment or repayment in batches. Banks that buy car loans will give due consideration to users' active negotiation. If the user's financial situation is really difficult, then the bank is likely to extend a certain period.

Car loan refers to the form of mortgage loan in which the owner applies for a certain amount of loan from financial institutions such as banks when buying a car. Usually when handling a car loan, the owner needs to be a permanent resident of the place where the loan bank is located. Automobiles mainly sign loan contracts with banks and other financial institutions to stipulate the loan term and related interest. The term of car loan is very short, no more than five years at most. This article mainly writes about the knowledge points related to the mortgage loan process, and the content is for reference only.

How to get automobile mortgage?

I. automobile mortgage Process

1. Step 1: The borrower applies for a loan;

2. Step 2: Review;

3. Step 3: After the evaluation of vehicle value is approved, the lending institution will evaluate the vehicle mortgaged by the borrower and reserve the loanable amount by evaluating the vehicle value.

Step 4: Sign the contract and issue the loan. After the vehicle evaluation is completed, the lending institution will sign a loan contract with the borrower, and then issue the loan. The borrower only needs to mortgage the vehicle driver's license to the lending institution.

Second, what about loans overdue?

1, the first is to pay off the overdue.

For overdue car loans, the car is mortgaged in the bank, and the owner himself does not have full ownership, so there are certain reasons for others to detain the car. In this case, the best solution is to raise money to settle the overdue, so that you can get back to the car.

2. Negotiate repayment.

For the temporary economic turnover problem, we should negotiate with the bank or the detaining party in time, ask for a certain grace period, or re-formulate the repayment plan. If you really have no money, it's no use for others to impound the car. Sometimes we can negotiate.

3. Find out the terms of the contract.

Regular car loans are generally contracted. Now banks usually collect money through debt collection companies, and they may not study the terms of the contract seriously. First of all, you should take out the previous contract and see how it is agreed to detain the car.

4. Illegally impound the car.

If you don't breach the contract, or detain the car in violation of the contract, you should ask the detaining party to return the car immediately. If the other party doesn't answer, you can ask.

5. Refuse high towing and parking fees.

For some small loan companies, especially those involving conventional loans, after paying off the overdue, the other party may ask you to pay high towing fees and parking fees. In this case, you can refuse to pay, which is the way to make money by routine loan, even if there is an agreement in the contract, it also includes fraud.

6. Call the police.

After paying off the overdue reasonable fees, the other party is still asking for high fees. At this time, don't have too much conflict with each other. You can report the case to the public security organ, and the other party is likely to be involved in extortion. Ordinary civil engineering, you can also go.

How to get a mortgage loan when buying a car?

The first one depends on whether your house is 15 years old (there may be some differences between banks), and the area should be at least 60-70 square meters. If your house meets the above requirements, you can consider applying for a mortgage consumer loan. Generally, loans can be made to 10 years, and the current interest rate has risen from 10%. If the interest rate rises from1.2000 to 10% after ten years, the monthly payment will be 1.492.92 yuan. Process: first sign the contract in person at the bank (usually guaranteed by a guarantee company). There are many guarantee companies in the bank, so you can choose one, because there is an agreement with the bank, so don't worry about the liar); Go home and wait for the appraisal company to come. After that, a bank will call to verify. After passing, you will apply for a mortgage. After you get his warrant, the bank can make a loan. (Generally, it takes 3-5 working days after you have complete information, and the bank will have approval opinions. The mortgage processing time is 7- 10 working days. It can be expedited and paid 200-300 yuan, which can be settled in 3 working days. Get another certificate, and if there is a quota, the bank will lend money within 2-3 working days. Information provided: ID card, household registration book, marriage certificate, income certificate, salary flow, two certificates and proof of use (in your, it is a car purchase or car booking contract). I am a bank loan. Generally, banks follow this process. I hope I can help you!

How does automobile mortgage get a loan?

The process of handling automobile mortgage is as follows:

1. The borrower applies, fills in the application form, and submits income certificate, driver's license and other relevant materials required by the lending institution.

2. After receiving the information provided by the borrower, the lending institution conducts home visits, surveys and evaluates the value of the vehicle.

3. After personal credit evaluation and vehicle value are carried out by the lending institution, it is determined whether the loan can be made, and details such as loan amount and interest rate repayment method are determined.

4. Both parties sign the vehicle mortgage contract, go to the vehicle management office for mortgage registration and relevant certificates, and the lending institution will lend money with the applicant's relevant certificates.

5. After the mortgage expires, the borrower repays the loan, and the lending institution cooperates with the borrower to handle the mortgage registration cancellation procedures at the vehicle management office.

According to the provisions of the motor vehicle registration:

Twenty-second motor vehicle owners who use motor vehicles as collateral shall apply for mortgage registration at the vehicle management office where they are registered; If the mortgage right is extinguished, it shall apply to the vehicle management office at the place of registration for cancellation of mortgage registration.

Article 23 To apply for mortgage registration, the motor vehicle owner shall fill in the application form, which shall be jointly applied by the motor vehicle owner and the mortgagee, and submit the following documents and vouchers:

(a) the identity certificate of the motor vehicle owner and the mortgagee.

(2) Motor vehicle registration certificate.

(three) the main contract and mortgage contract concluded by the motor vehicle owner and the mortgagee according to law.

The vehicle management office shall, within one day from the date of acceptance, review the submitted documents and vouchers, and annotate the contents and date of mortgage registration on the motor vehicle registration certificate.