If it is a mortgage loan of China Merchants Bank, only real estate is accepted as mortgage at present; If you need to apply for "personal automobile mortgage", you can use the purchased car (brand-new non-operating car) as a mortgage application; If you have unexpired time deposits, certificates of deposit, etc. , you can also try to apply.
If you have a smart card of China Merchants Bank, you can log in to the mobile banking, click My-All-Loan-I want a loan, and try to check whether you are qualified to apply for a "lightning loan" through this interface. If so, you can try to apply.
2. What are the application conditions of Ping An Bank in automobile mortgage?
Ping An Bank car mortgage application conditions: 25-55 years old, with stable income; Apply for a vehicle under the name of an individual, and there is no guarantee at present; Subject to the date of first registration, the purchase time shall not exceed 5 years, and the mileage shall not exceed 80,000 kilometers; The vehicle appraisal value is more than 70,000.
Application materials for car mortgage of Ping An Bank: second-generation ID card; Vehicle driving license and motor vehicle registration certificate; Proof of income, such as bank running water or income certificate issued by the company; Proof of residence, such as water, electricity and coal bills.
It should be noted that Ping An Bank's car mortgage business is currently only carried out in 34 cities including Guangzhou, Shenzhen, Beijing, Shanghai, Chengdu, Chongqing, Hangzhou and Nanjing.
If it has not been launched in your city, you may wish to apply to the loan company.
3. Where is the car mortgage?
Wage loan conditions;
Good credit information, working in Shenzhen for 6 months,
You can apply for a monthly income of 8 to 14 times and make a payment within 2 days. Interest is approximately equal to bank interest.
Real estate loan conditions;
1. Real estate information room (copy of property right certificate or mortgage loan contract).
2. ID card.
3. A month's water and electricity list of the property.
Real estate mortgage interest;
1, short-term loans, interest from 3%, because the borrowing time is relatively short, so the need for bank interest is relatively small.
2, short-term loans, interest from 1.5%, suitable for friends who need money for short-term loans urgently;
3, medium and long-term loans, interest from 0.8%, suitable for friends who need long-term stable funds.
Automobile loan conditions:
A card is not a car;
Need a copy of driving license, insurance policy and ID card. It is also necessary to install gps in the car and register the car mortgage.
Two kinds of parking;
The customer needs to register the mortgage and give everything in the car to the loan company.
How much interest;
About equal to the bank's benchmark interest rate.
My advantages:
1, fast lending speed;
2. The loan amount is large;
The interest is approximately equal to the bank's interest in the same period.
These can all serve you.
4. Where can I handle the second mortgage of Shenzhen Auto?
1, Shenzhen Auto Second Mortgage can consult the local bank.
2. Secondary mortgage refers to taking what has been mortgaged as collateral. For another example, the existing house is still in the normal repayment stage after applying for a loan from the bank as collateral. After passing the professional evaluation, it is not considered to repay the loan in advance.
3. Under normal circumstances, the weight of the second mortgage will not exceed the balance of the value of the first mortgage loan, which is mainly to avoid the trouble brought to the bank by the applicant's inability to pay off the debt. In addition, the second mortgage year does not require the consent of the first mortgagee, but it is obliged to reach the first mortgagee.
4. The documents of the second mortgage and the first mortgage are basically the same, that is, it includes the procedures of car inspection-car inspection-car mortgage registration at the vehicle management office-signing a loan agreement-withdrawing money on the day of lending.