Users can mortgage the green capital of the car to the bank and apply for a mortgage loan to obtain loan funds, and users can use the car during the loan period. Users can check the loan amount of their vehicles first, and then decide whether to apply for a loan in this way. In addition, many banks do not handle this business, and users need to consult before lending.
After successful handling, the user has to go through the mortgage cancellation procedures after clearing the loan, so as to get back the green copy of the car.
The green car may have been mortgaged. Users can apply for loans with ID card, marriage certificate or unmarried certificate, bank account, income certificate, personal credit report, motor vehicle registration certificate, driving license, compulsory insurance policy, driver's license, loan purpose commitment letter and application form to relevant banks.
Motor vehicle registration certificate mortgage loan conditions:
China citizens over 65 and under 65 have full capacity for civil conduct.
2 have a stable source of income and the ability to repay the principal and interest of the loan in full and on time.
3. Personal credit is good. There is no negative information in the credit report that will affect the loan approval.
4. Collateral certification materials with loan approval, including but not limited to the list of collateral/pledge, the certificate that the dispositioner (including the property co-owner) agrees to the collateral/pledge, the written evaluation certificate, the certificate of ownership or use right of collateral, etc.
5. Have a legal and valid identity certificate, household registration certificate or valid residence certificate of the city where the loan bank is located, marital status certificate or unmarried certificate.
6. Open a personal settlement account in a loan bank.
7. Other conditions stipulated by the lending bank.
Is green car mortgage safe?
First of all, an affirmative answer.
Mainly depends on who to mortgage. If formal institutions are safe, informal institutions are not.
Second, the specific analysis
The green paper of the automobile is the motor vehicle registration certificate, which is equivalent to the household registration book of the vehicle. Because it is a green shell, it is called a "green book". So, is green automobile mortgage safe?
Whether green automobile mortgage is safe or not mainly depends on where you mortgage the green car. If you apply for a loan in a bank or a formal lending institution, then the green car will naturally be mortgaged in the bank and lending institution. Basically, it is very safe and there will be no problems.
But now there are more and more private loans, and many lawless elements are mixed in. If you accidentally mortgage the Green Paper to fraudulent institutions, those criminals are likely to steal your information to commit some illegal acts or commit them on you. This is a big security risk.
Usually, when borrowing money, you must also keep your eyes open to avoid falling into the trap. It is better to apply for loans from banks and regular large lending institutions, which is safer and more secure.
Borrowers who apply for loans too frequently or operate loans too frequently will increase their personal credit risk. You only need to check the personal credit risk index in "Beijian Quick Check". The higher the risk score, the easier it is for the application to be rejected.
3. How much is the green mortgage?
When you apply for automobile mortgage, whether you can apply for your favorite loan amount depends on the mortgaged car.
Under normal circumstances, the higher the vehicle value, the higher the loan amount that can be applied for. In addition to the value of the car itself, the service life, mileage and whether it has been hit will affect the final credit line.
If you apply for automobile mortgage in a bank, you can generally apply for a loan amount of about 50% of the vehicle appraisal price.
If you apply for automobile mortgage in an auto financing company, you can generally apply for a loan amount of about 70% of the vehicle appraisal price.
If you apply for automobile mortgage on the mobile phone small loan software, you can generally apply for a loan amount of 80%-90% of the vehicle evaluation price.
However, the loan interest rate of mobile phone microfinance is usually higher than that of banks and auto financing companies.
Of course, your personal qualifications can also determine the loan amount you finally apply for. If your personal credit level is high, the amount approved by financial institutions will also be high.
If there are some bad overdue records on personal credit information, even if the car is valuable, the applied credit limit may not be within the ideal value.
Why did automobile mortgage press the Green Paper?
Jetcar does not have a green paper, because when applying for mortgage, the green paper is stored in the lending institution of the nuclear bank.
At this time, if you apply for a loan again, you still need a green copy to register the mortgage. You can't apply for a mortgage without a green copy. There are also some loans. You only need to provide a green copy of the call to apply for a loan.
There is a kind of loan that you can apply for automobile mortgage without a license, that is, you can mortgage your car to a lending institution, but you don't need a green copy, so you can also get a loan. If the car is mortgaged, users will not be able to use the car normally.
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