2022-04-22

The process of car-free mortgage loan with mortgage card is as follows:

Step 1: Prepare personal ID card, automobile driving license, driver's license, vehicle registration certificate and personal income certificate (such as bank account and payroll) and go to the bank or lending institution to find a staff member to handle the mortgage loan.

Step 2: Get the application form from the counter and fill it out, and then submit the completed form together with the information to the staff of the bank/lending institution. After receiving the customer's request, the bank/lending institution will immediately review it according to the information.

Step 3: Approved by the bank/lending institution. After receiving the notice, the customer goes to the outlet to sign a loan contract and go through the relevant procedures such as vehicle mortgage registration. The vehicle registration certificate will be deposited with the bank/lending institution.

Step 4: Banks/lending institutions issue loan funds, which can be used by customers after receiving them. Then, pay attention to repayment in installments on time according to the repayment plan agreed in the contract (if you have sufficient funds on hand, you can also choose to repay in advance).

Handling process of non-parking loan

Now, applying for a car loan is nothing new. Many friends do this when they use money. Today, I will introduce you to the process of handling non-parking loans, hoping to help those who apply for it for the first time.

1. The borrower consults the loan institution (bank or loan company) and applies;

2. The borrower prepares all materials required by the loan bank and submits them to the bank;

3. The lending institution evaluates the mortgaged vehicle;

4. The lending institution shall review the materials submitted by the borrower;

5. After approval, notify the borrower to sign a loan contract;

6. Handle vehicle mortgage and pay appraisal and notarization fees;

7. The lending institution installs GPS on the mortgaged vehicle;

8. When granting a loan, the borrower shall repay it according to the regulations.

Matters needing attention in handling:

1. Friends who borrow from private loan companies must remember: don't pay any fees before you get the loan funds, so as not to be cheated!

2. The mortgage car can't handle the mortgage loan. If the car in the borrower's name is mortgaged, you can't expect to get a loan.

3. When applying for automobile mortgage, the borrower must be clear about the loan requirements and be seated appropriately.

What is vehicle mortgage loan mortgage? Which formal car mortgages are you looking for?

What is vehicle mortgage loan mortgage?

Automobile mortgage is a kind of automobile mortgage. According to the information of the vehicle management office, car mortgage means that the car is in a mortgage state, and the property of the mortgaged car is mortgaged to the bank for a period of time, and the car buyer only has ownership after paying off the loan. After the loan is paid off, it belongs to the car buyer.

In the process of applying for my car loan, the applicant needs a scanned ID card, a copy of the household registration book, a copy of the marriage certificate, a personal income certificate, a bank statement and proof of real estate.

Further reading: Automobile mortgage takes the borrower's or the third party's car or the car he bought as collateral, and obtains loans from financial enterprises or automobile consumption loan enterprises. The purpose of borrowing money with a car as collateral is mostly quick liquidity. (Natural cars fall in price quickly, and the probability of road traffic accidents endangering the use value of cars is high. There are few ways for financial enterprises to issue loans with cars as a single mortgage, and the transaction price of loans is generally 50-80%. )

Article 22 of the Regulations on Motor Vehicle Registration clearly stipulates that "if the owner of a motor vehicle mortgages his vehicle, he shall apply to dmv for mortgage filing. Hold the vehicle registration certificate and the ID number of the mortgagee and mortgagor → fill in the Application Form for Motor Vehicle Mortgage/Cancellation of Mortgage Registration, and affix the official seal of the department to the relevant window for handling.

Which formal car mortgages are you looking for?

1, car to financial industry

Chedi Finance is a one-stop comprehensive service platform for the auto finance industry. It has cooperative relations with financial enterprises such as Ali and Ping An Bank, and the next payers are generally major commercial joint-stock banks.

If the borrower wants to apply for a loan to the car-to-finance industry, he can choose a physical store and download the app directly for free. You don't need to mortgage a car loan, but you need to mortgage a green car. The borrower can borrow up to 200,000 yuan.

Automobile mortgage, 2.JD.COM

Belonging to JD.COM Financial Industry Group, it provides personal credit loan service for car owners, with a maximum loan of more than 500,000 yuan, and the borrower's personal credit record cannot be seriously overdue.

The cruising range of the car mortgaged by the borrower shall not exceed 654.38+10,000 kilometers, and the loan amount shall be determined according to the use value of the car. Most borrowers can lend about 70% of their cars. Of course, students are not allowed to apply, and it is easy to be refused loans if the asset-liability ratio is higher than 70%.

3. Ping An car owner loan

Ping An Bank has a relatively high priority in applying for automobile mortgage. Ping An Bank Group has many vehicle mortgage loan service platforms, and owner loan is a better platform for user evaluation.

You can apply directly without the borrower's mortgage loan or mortgage certificate. If there is no problem with the borrower's personal information, this car is in line with the owner's loan needs. If you apply on the same day, you can complete the next payment on the same day.

4. CreditEase Car Loan

Yixin Auto Loan mainly provides loans for users to buy new cars and used cars through direct sales and loan assistance, which is related to the official cooperation between Tencent in JD.COM.

The maximum loanable amount of the borrower is more than 500,000 yuan, which can be divided into three years at most. If the borrower's qualification certificate is excellent, most of them can complete all the steps of review-next payment on the same day. Of course, Yixin's car loan does not mortgage cars, but it needs a green paper on mortgage cars.

5. Ping An Auto Loan-Credit

Credit loan is automobile mortgage under Ping An Bank Group, which can provide borrowers with a maximum loan amount of 300,000 yuan, which can be divided into three phases at most. No, but the car mortgaged by the borrower must be a car that has applied for a car loan at Ping An Bank. The borrower does not need mortgage loan or mortgage certificate.

6. China Automobile Flash Loan

The loan amount that can be provided depends on the car mortgaged by the borrower. At most, 90% of the mortgaged car loan means the loan amount. For example, if the value of the car mortgaged by the borrower is 6.5438+0 million, then the borrower can apply for a loan of 900,000 at most.

7. Weizhong Bank Owner Loan

You can choose to pay in installments for up to 24 months, which can be used by customers all over the country. You must provide your own driver's license and car green paper. The lowest juvenile interest rate is 9.8%, and the highest is not easy to exceed 15%. After the loan application, there may be a return call that must be connected, and the borrower needs to pay attention.

8, 58 car loan

Unsecured, unsecured, providing cash loan services for car owners. The maximum loan of the borrower is 80,000 yuan, and the value of the borrower's car is not less than 1.2 million yuan.

9. ICBC Personal Car Loan

Personal car loans of ICBC can be divided into direct customer loans and indirect customer loans. The maximum loan amount can be 80% of the car payment, and the loan can be paid off in five years at most. The minimum bank loan interest rate shall not be lower than the new LPR annual interest rate.

10, vehicle mortgage loan in Ctrip.com

Ctrip's car loan can assume that the loan amount provided by the borrower does not exceed 300,000, the minimum daily interest rate is 0.02%, and the converted annualized interest rate is actually 7.2%. Suppose the borrower borrows more than 6,543,800 yuan, then the interest for one day is 20 yuan.

How to get a loan without a car loan?

1. Online application: Go to official website, a lending institution, and prepare relevant application materials, such as ID card and its copy, ownership of mortgaged vehicle, work certificate, motor vehicle registration certificate, etc.

2. Vehicle detection and evaluation: the lending institution shall review the application materials within the prescribed review period and inform the applicant whether the application is successful;

3. Signing a contract: When signing a contract, you need to read the relevant regulations carefully;

4.gps service: the lending institution will install GPS on the car that has not borrowed the car;

5. Lending: The lending institution will release the loan amount to the applicant's account within the time limit stipulated in the signing of the contract.

If you want to apply for an unsecured car loan, you can follow the above process. When applying for a loan, you also need to know a lot of precautions, communicate with financial institutions in advance, understand the specific loan situation, and avoid problems when applying for a loan again.

Can a mortgage car not use a mortgage loan?

If you meet the requirements, you can apply for unsecured credit loans. The conditions are as follows: ① For high-net-worth people: These products are mainly aimed at civil servants; Staffing of teachers, doctors and other institutions; Finance, telecommunications, electric power, tobacco, oil refining, ports, salt affairs, lawyers, accounting and other industries have formally established employees. Product advantages: fast payment (about 3 days), high amount (maximum 1 10,000 yuan), low interest (6%-8% annual interest) ② For individual industrial and commercial households and business owners: for people who have normal business premises (preferably in large business districts), real estate under their names and good running water. Product advantages: high amount (up to 500,000 yuan) and long term (up to 5 years). ③ Customers with mortgage under personal name: Mainly for customers with mortgage or car loan under personal name, it is required that the mortgage must be repaid for half a year and the car loan must be repaid for one year. The loan amount of a mortgage customer is 45 times the monthly repayment amount of the mortgage, and the loan amount of a car loan customer is 36 times the monthly repayment amount of the car loan, and the payment is 3 to 5 days. Slow Bull Wealth provides specific consulting services.

How much is ICBC's auto mortgage interest?

ICBC automobile mortgage interest calculation method: 6. % is 1 year; 2 -3 years 6.7 1%: 1, automobile mortgage, refers to the loan obtained from financial institutions or auto loan companies with the borrower's or a third party's car or self-purchased car as collateral; 2. The business of automobile mortgage is divided into parking and non-parking, and the mortgage interest rate of parking in automobile mortgage is relatively low; You don't need to mortgage your car, but you need to pay a storage fee in addition to interest.

So much for the introduction of ICBC's unsecured loans.