1, apply. If you plan to use your own car for mortgage loan, you must first prepare the corresponding information and apply to the loan bank. When applying, you should fill in the loan application form and fill in the corresponding information.

2. Review the materials. After receiving the information of the loan applicant, the bank will review the information submitted by the loan applicant according to the internal requirements of the bank, but the review will inform the loan applicant of the specific reasons, and then inform the applicant to enter the next step after the review is passed.

3. Evaluate the vehicle. After the data is approved, the loan audit will entrust the corresponding vehicle evaluation agency to evaluate the vehicles submitted by the loan applicant, and the evaluation fee will generally be paid by the loan applicant.

4. Determine the quota. After completing the vehicle value assessment, the bank will determine the loan amount for the loan applicant according to the assessed price of the vehicle.

Step 5 go through the formalities. After determining the loan amount, go through the loan procedures according to the bank's loan requirements. The specific procedures of each bank may be different, depending on the situation of the lending bank.

6. Conduct notarization. After the loan formalities are completed, it is necessary to notarize the loan contract of both parties, and a notarial certificate will be issued by the notary office, which will be put together with a set of loan materials and kept as files.

7. Admission documents. After the notarization is completed, the loan bank will extract the relevant information of the mortgaged vehicle according to the corresponding requirements, such as the original motor vehicle registration certificate.

After the above procedures are completed, the bank can issue loans to the applicant according to the contract. After the loan is paid to the applicant's account, the whole automobile mortgage process is completed.

What does automobile mortgage do?

Handling process

1. The lending institution receives the information provided by the applicant.

2. Conduct home visits, investigate and evaluate the value of the applicant's vehicle.

3. Lending institutions initially reserve loan quotas.

4. Handling entrustment notarization and loan notarization.

5. The lending institution accepts the relevant documents of the applicant.

6. Go through the mortgage registration formalities.

7. loans.

Extended data:

According to the motor vehicle registration regulations:

Twenty-second motor vehicle owners who use motor vehicles as collateral shall apply for mortgage registration to the vehicle management office at the place of registration; 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 certificates and vouchers:

(1) Identification certificates of the motor vehicle owner and 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 examine the submitted certificates and vouchers within one day from the date of acceptance, and endorse the contents and date of mortgage registration on the motor vehicle registration certificate.

Article 24 Apply for cancellation of mortgage registration

(1) Identification certificates of the motor vehicle owner and mortgagee;

(2) Motor vehicle registration certificate.

If the people mediate, make a ruling or make a judgment to cancel the mortgage, the motor vehicle owner or mortgagee shall fill in the application form and submit the motor vehicle registration certificate, the effective mediation book, ruling or judgment issued by the people and the corresponding notice of assistance in execution.

The vehicle management office shall examine the submitted certificates and vouchers within one day from the date of acceptance, and endorse the contents and date of cancellation of mortgage registration on the motor vehicle registration certificate.

Twenty-fifth motor vehicle mortgage registration date, cancellation of mortgage registration date for public inquiries.

Article 26 In case of any of the circumstances specified in Item (1), (7), (8) and (9) of Article 9 or Item (2) of Article 20, mortgage registration shall not be handled. No mortgage cancellation registration will be handled.