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Car transfer loan is not very safe. You are advised not to choose this kind of loan.
Interest is generally high, and car transfer is not very safe. I advise you not to choose this kind of loan, because the interest is usually high.
Either find a qualified and powerful company to ensure that the vehicle can be transferred to its own name in time after repayment:
Secondly, read carefully before signing the agreement and sign the contract after confirming that there are no problems.
In order to avoid encountering loan swindlers, the vehicle should not come back after the loan is repaid. If there are no other creditors in the car, it doesn't matter to you to go through the transfer formalities legally according to the law.
Should I repay the loan when I transfer the ownership?
Transfer to pay off the loan: 1, because the car in the process of repayment is mortgaged to the bank during this period, it cannot be transferred, but after the loan is paid off, it can be transferred; 2. Procedures required for vehicle transfer The seller shall provide the owner's ID card: the owner's ID card is used to prove the legal citizenship of the owner. Vehicle registration certificate: the vehicle registration certificate is equivalent to the vehicle's ID card, which is the legal proof of vehicle ownership and records the relevant information of the vehicle, and is extremely important in the process of used car trading; The seller needs to show the vehicle registration certificate to show the ownership of his vehicle. If the seller fails to show the vehicle registration certificate for various reasons during the transaction, then the buyer must be vigilant, because the vehicle is likely to be illegally obtained.
My friend wants to borrow money to buy a car in my name and then transfer it to him. How to deal with the loan?
Generally speaking, the car bought by loan cannot be transferred before the car loan is paid off, because the car is mortgaged to the lending institution. If the vehicle is to be transferred, the creditor's consent must be obtained. Because because the vehicle is in the repayment cycle, it cannot be traded and purchased, and obviously it cannot be transferred. The only solution is to pay off the loan in advance, and then go to the relevant departments to handle the transfer formalities with the repayment list.
Automobile loan application conditions
(1) The car buyer must be at least 18 years old and a citizen of China with full civil capacity.
(2) Car buyers must have a relatively stable job, a relatively stable economic income or assets that can be easily realized, in order to repay the loan principal and interest on schedule. Assets that are easy to realize here generally refer to securities and gold and silver products.
(3) During the loan application period, the car buyer will deposit the car purchase down payment lower than that stipulated by the bank into the account of the bank savings counter.
(4) Providing banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.
(5) Car buyers are willing to accept other conditions deemed necessary by the bank.
information giving
Personal loan application;
Two, I and my spouse's valid identification;
Three, I and my spouse's occupation, position and income certificate;
Four, marriage certificate (unmarried proof is required, except the legal age of marriage) and household registration book;
5. Original ID card, residence booklet or other valid proof of residence, and provide a copy;
6 car purchase agreement, contract or letter of intent signed with the dealer;
7. Proof of deposit or down payment;
Eight, the documents or materials required for the guarantee;
9. Other documents required by the cooperative organization.
Extended data:
Loan classification
1, enterprise car loan
To apply for auto consumption loan, if the borrower is a legal person, it is required to provide business license, organization code, tax registration certificate, etc. In addition to ID card, household registration book, income statement and asset certificate, the legal person must be himself.
2. Interest-free loans
Buying a car with interest-free loan is a preferential scheme of car loan proposed by dealers according to market demand, which reduces the pressure on consumers to buy a car to some extent. Interest-free car loan concessions are not available for all models, but there are certain restrictions.
According to informed sources, not all models can enjoy this policy when buying a car with interest-free loans. Only vehicles that meet certain conditions can apply for interest-free car loans. Generally speaking, there are two conditions for applying for an interest-free loan to buy a car:
1, vehicle type restriction. Usually, interest-free car loan is a preferential scheme proposed by dealers for specific models, which is not applicable to all models.
2. The monthly repayment amount is large. Some models require consumers to pay less than 5,000 yuan per month. Comparatively speaking, this repayment method is more stressful.