The conditions to be met for the second energy loan of mortgaged vehicles include: the second mortgaged vehicle has room for refinancing; The procedures for handling the second mortgage of the automobile should be complete; The borrower has a legal and stable source of income and repayment ability; Other conditions required by the lending institution. According to Article 9 of the Measures for the Administration of Auto Loans, borrowers applying for personal auto loans should meet the following conditions at the same time: (1) They are citizens of People's Republic of China (PRC), or residents of Hong Kong, Macao and Taiwan and foreigners who have lived in People's Republic of China (PRC) for more than 1 year (inclusive); (2) Having a valid identity document, a fixed detailed address and full capacity for civil conduct; (3) Personal legal assets with stable legal income or sufficient to repay the loan principal and interest; (4) Personal credit is good; (5) Being able to pay the prescribed down payment; (6) Other conditions required by the lender.
Second, is it ok to get a second loan for a mortgage car?
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. No collateral is needed.
3. Can a mortgage car get a second loan?
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.