Automobile mortgage processing flow

1. The borrower submits the loan information to the lending institution; '

2. Lending institutions conduct home visits to borrowers to assess the value of vehicles;

3. The lender preliminarily evaluates the loan amount;

4. Apply for mortgage registration;

5. Lending institutions take away the borrower's car information;

6. When the institution lends money, the borrower repays the principal and interest on time.

Second, what is the process of car mortgage loan?

Used in automobile mortgage.

1. Handling automobile mortgage registration: Fill in "Motor Vehicle Mortgage/Cancellation" with the motor vehicle registration certificate, the identity certificates of the mortgagee and mortgagor, the master contract and the mortgage contract.

2. Cancellation of automobile mortgage registration: The unit shall affix the Motor Vehicle Registration Certificate and the Application Form for Cancellation of Mortgage Registration of the mortgagee and mortgagor.

Materials to be prepared for automobile mortgage:

1, owner's ID card, household registration book and other materials.

Extended data

Relevant regulations

1. Determination of loan interest rate: The lender shall issue the loan according to the regulations of the People's Bank of China, and specify it in the loan contract;

Two. Collection of loan interest: Lenders and borrowers shall collect or pay interest according to the loan contract and the time limit stipulated by the People's Bank of China. When the loan interest rate is graded, it will be charged according to the new term grade interest rate from the date of extension. Penalty interest is charged for overdue loans according to regulations.

3. Loan discount: According to the national policy, in order to promote the economic development of some industries and regions, the relevant departments can issue loans, which are independently approved by the undertaking bank and conform to the general principles of loans.

4. Loan suspension, reduction and interest-free: except as stipulated by the State Council, any unit is interest-free. The Lender shall, according to the decision of the State Council, specifically handle the cessation, interest reduction and interest-free according to the scope of duties and authority.