Address of Shenzhen Auto Loan Sub-branch: Shenzhen Times Financial Sub-branch, 5th floor, Times Financial Center, No.4001,Shennan Avenue, Futian District, Shenzhen.
Response time: June 9, 2020. Please refer to the latest business changes announced by Ping An Bank in official website.
2. Where can I get a vehicle mortgage loan in Shenzhen?
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.
3. Where is the car mortgage?
Shenzhen mortgage house mortgage loan and Hongben house mortgage loan
45 times the monthly payment (if the monthly payment is 20,000, the loan amount is 900,000).
Shenzhen car loan loan
The monthly payment is 36 times
Shenzhen (ID card, social security card, recent 6 months' salary, work certificate)
Shenzhen redeemed the house and worked as a short-term worker.
Please contact me by name and release the loan within 3 days. Welcome to consult.
4. Where can I get a car mortgage?
In Shenzhen, if you want to apply for a car loan, it is recommended to go to a regular car loan company. Interest is not very high and the cost is transparent. There are still many auto mortgage companies in Shenzhen, so I suggest you know more about them. What are the main steps and processes of Shenzhen car loan process? Shenzhen Henghong Finance (v 135308758 15) is here to tell you. 1. There are two main ways to apply for a car loan. One is that individuals apply directly to banks, and the other is through auto loan guarantee companies. Generally speaking, the first situation requires higher personal requirements, requiring customers to have better personal conditions, while the second situation is relatively low. The second is the current mainstream model. 2. Preliminary inspection of data. After the customer submits the application, application form and related materials, the bank or guarantee institution will conduct a preliminary examination of the applicant's personal data. After the preliminary examination, the agent bank will submit the application form and materials to the pre-lending investigator for pre-lending investigation. The contents of the review mainly include the applicant's loan qualification, the completeness and standardization of the submitted materials, the applicant's personal credit information and repayment ability, the lender's economic situation and loan purpose. After the preliminary examination, the investigators should explain the relevant information of their data and make suggestions on the loan amount, loan interest rate, guarantee method and repayment method. 3. Car loan review and approval The loan auditor is responsible for reviewing the compliance of the materials submitted by the car loan applicant, and after the review, approving or modifying the opinions of the investigators. Decide on the final loan plan. 4. Sign contracts and issue loans. After the loan is approved, the auto loan contract can be signed. After the contract is examined and signed, the loan will be issued according to the contract. When applying for bank car loan, the borrower needs to meet these conditions: 1. The borrower is a citizen of China or a resident of Hong Kong, Macao and Taiwan with full capacity for civil conduct, and a foreigner who has lived in China continuously for more than one year; 2. The borrower holds legal and valid identity documents or domestic long-term residence certificates; 3. The borrower must have a fixed detailed address; 4. The borrower has stable legal income or personal legal assets sufficient to repay the principal and interest of the loan; 5. The borrower has no bad credit record; 6. The borrower can provide effective guarantee; 7. Meet other conditions required by the bank. Related Q&A: What are the car mortgage terms of Shenzhen Bank? The conditions of mortgage loan are as follows: 1, the applicant 18 years old, with full capacity for civil conduct; 2. Have a stable income; 3. The vehicle under its name has complete documents and is currently unsecured; 4. Having legal identity documents and a fixed address at the place where the loan is applied; 5. Personal social credit is good; 6. For mortgaged vehicles, the bank requires that the vehicle should not exceed 5 years and the mileage should not exceed 80,000 kilometers; 7. Mortgaged vehicles can only be processed if the assessed value is more than 70,000 yuan. First, mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off. Second, vehicle mortgage Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower or a third party's car or self-purchased car as collateral. The purpose of loans with automobiles as collateral is mainly automobile consumption. Of course, cars depreciate rapidly, and traffic accidents are likely to affect the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage. ) The emergence of automobile mortgage service platform "Easy Car Loan" provides a new channel for people who own private cars to borrow money in the short term. With Auto Easy Loan, customers can use the ownership of their own vehicles as collateral to obtain short-term financing needs. It broke through the traditional vehicle mortgage loan model and put forward the service of "vehicles without mortgage". The vehicle loan applicant can continue to use the vehicle after going through the formalities only by installing the GPS positioning system on the mortgaged vehicle, without pledging the vehicle like the traditional vehicle mortgage loan, and will not lose face or cause inconvenience in travel because the vehicle is pledged, and can obtain funds as soon as possible on the same day.