General automobile mortgage borrowers need to meet the application conditions of automobile mortgage, then prepare materials and finally go through the process.

Requirements and materials for applying for car loan service for car mortgage:

1. has a stable occupation, and the applicant has the ownership of the local mortgaged vehicle.

2, living and working in the city for a long time, to carry out business occupation and economic income.

3, motor vehicle registration certificate, driving license, purchase tax certificate (this), car purchase invoice.

4. Insurance policy, travel tax, and relevant tax payment certificates for imported vehicles.

5. ID card (temporary residence permit or residence permit within the validity period provided by non-local account customers)

6. Other documents required by the Cooperation Organization.

Processing flow:

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

2. Visit the applicant's home, investigate and estimate the vehicle value;

3. The lending institution initially sets the loan amount;

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:

Relevant regulations

(1) Determination of loan interest rate: The lender determines the interest rate of each loan according to the upper and lower limits of loan interest rate stipulated by the People's Bank of China, and specifies it in the loan contract;

(II) Collection of loan interest: Lenders and borrowers shall collect or pay interest on schedule in accordance with the loan contract and relevant interest-bearing provisions of the People's Bank of China. When the loan extension period plus the original term reaches the new interest rate grade, it will be charged at the new term grade interest rate from the date of extension. Penalty interest is charged for overdue loans according to regulations.

(3) Loan interest subsidy: According to the national policy, in order to promote the economic development of certain industries and regions, the relevant departments may subsidize the loan interest. Loans subsidized by relevant departments shall be independently examined and issued by the undertaking bank, and strictly managed in accordance with the relevant provisions of the General Rules for Loans.

(4) Loan suspension, interest reduction and interest-free loans: Except as stipulated by the State Council, no unit or individual has the right to decide to stop lending, reduce interest and interest-free. The Lender shall, according to the decision of the State Council, specifically handle the cessation, interest reduction and interest-free according to the scope of duties and authority.