At present, automobile mortgage is a popular loan product. Because of the existence of collateral, the applicant's personal credit and income level are not as high as credit loans when applying. Moreover, there is another advantage of automobile mortgage, that is, some banks or lending institutions pledge their own automobile mortgage products instead of automobiles. This undoubtedly provides great convenience for borrowers, so how to apply for automobile mortgage products with a mortgage certificate instead of a car? Now let me introduce you:

First, consult the local automobile mortgage application institution.

Ask your local bank or lending institution if you can apply for automobile mortgage without stopping. At present, most companies that can apply for a car loan can apply for a car mortgage without taking a car, but they still need to consult clearly.

Second, prepare the relevant application materials for automobile mortgage.

After selecting the applicant that can apply for automobile mortgage, you can prepare the materials for applying for automobile mortgage. Generally, you need ID card, household registration book, work certificate, income certificate, bank account, automobile registration certificate, driving license, etc.

Third, go through the relevant procedures in automobile mortgage.

Handle the relevant loan procedures. After preparing the information, apply for a loan from the local loan company or bank, submit personal data, and it is possible to go through the loan procedures after the bank has approved it. Generally speaking, some lending institutions will charge some fees, such as car price evaluation fees and GPS installation fees. , need the attention of the borrower.